CLASSIC CREDIT CARD¹ | TAEG 17,9%

€0 Card issuance fee

Pay your monthly expenses and get €25 back!

If between 01/10 and 31/10/26:

Request the Classic Credit Card

Enter the promotional code CASHBACK25 in the App > More > Promotional Code

You cannot have had this Card in the last 24 months.

Campaign valid for new applications from 01/10 to 31/10/26.

Request Credit Card Refer to the regulations.

The Card with classic benefits

Without costs

You dont have to pay a Credit Card provision fee ² to have it

Use it anywhere in the world

Always available for your trips and international purchases

Manage through the App

In the ActivoBank App, you can view the digital version of your Card, such as number, expiration date and CVV. You can also activate/deactivate Contactless, international transactions and online purchases

-10% off iServices repairs

Whenever you need your smartphone, computer, tablet or other accessory repaired, pay with your Classic Credit Card and receive a 10% discount

With Activo Travel, you don't pay international fees!

€3.99 / 30 days

Immediate activation on any ActivoBank Card, in the App.

Learn more

What if your Classic Credit Card gave you advantages at Pestana Hotels? Now it can.

TAEG 17,9%

To access the benefits and discounts, all you need to do is register with the Pestana Guest Club program by accessing the ActivoBank App - select the Card, tap on the small dots and select Benefits.

Take the break you need with your Classic.

Payment flexibility

Choose when and how to pay. The payment date and type can be changed on the App

Make it about your limits

Pay the amount you owe, totally or partially (between 3% and 100%).

Choose the payment date

Between the 11th or the 20th of each month the payment will be made. You choose the date.

Start slicing your payments in 3 simple steps

1

If you pay with your Credit Card, you can slice any purchase over €75

2

Choose to slice your payment into 3, 6 or 9 months

3

Track your instalments in the ActivoBank App under More > Slice payment or in your Credit Card monthly statement

Purchases of €75 or more, with up to 50 transactions at the same time. The instalments correspond to payment plans or split payments. Transactions can be split into instalments in the App until 6:00 p.m. on the last business day of the month in which the transaction was made.

Digital Card

After the Card is issued, you will immediately receive the digital version to use in your App, while you wait for the physical version to arrive at your home.

To access the details of the Digital Card, you should go to More > Cards > Show details.

Fazer compras online, transferências ou levantamentos

Fazer pagamentos digitais com smartphones ou smartwatch

Associar às Wallets Digitais (Apple Pay, Google Walltet, Fitbit Pay e Garmin Pay

Digital shopping safer?

When you make an online purchase with your Card, you will receive a notification to approve the purchase in the App. This level of security, which is mandatory for all EU merchants, is designed to verify that the Internet payment is being made by the cardholder.

This system is available on all ActivoBank Cards and is linked to the phone number registered with the Bank.

Choose a Credit Card without provision fee

Request Card

TAEG 17,9%

Classic Credit Card table Comission
Fee	Cost
Provision	Exempt.
International Service	3,85% of the amount transacted, applicable on purchases in countries and currencies not covered by regulation 518/2019. Countries covered by regulation 518/2019 (Eurozone, European Union and EEA): Belgium, Germany, Greece, Spain, France, Ireland, Italy, Luxembourg, the Netherlands, Austria, Portugal, Finland, Slovenia, Cyprus, Malta, Slovakia, Estonia, Latvia and Lithuania, Czech Republic, Denmark, Hungary, Poland, Sweden, Bulgaria, Romania, Croatia, Iceland, Norway and Liechtenstein. Currencies covered: euro, Swedish krona and Romanian leu.
Cash Advance	Commission of €4+4,00% of the amount traded in countries and currencies covered by regulation 518/2019. For the rest of the world, the commission applied is €4+4,00%+3,85% of the amount traded. Countries covered by regulation 518/2019 (Eurozone, European Union and EEA): Belgium, Germany, Greece, Spain, France, Ireland, Italy, Luxembourg, the Netherlands, Austria, Portugal, Finland, Slovenia, Cyprus, Malta, Slovakia, Estonia, Latvia and Lithuania, Czech Republic, Denmark, Hungary, Poland, Sweden, Bulgaria, Romania, Croatia, Iceland, Norway and Liechtenstein. Currencies covered: euro, Swedish krona and Romanian leu.
Tax	If you pay the outstanding balance of the Card in other than 100%, a TAN of 17,400%.
Petrol station fee	€0,50. Plus Stamp Tax.

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

Can I start using the Card once I receive it?

You will need your PIN code to start using your Card.

On the App: on the home page there will be a notification. Click it and follow the steps.

On the Website: Daily basis > Cards > More Operations > Activate Card.

You'll receive the PIN code through SMS on the phone number associated with your Account. Before you make the first payment with your Card, go to the ATM and consult your balance or movements to activate the Card.

How do I change the payment date of the Credit Card?

You can change the payment date, with effect in the current month, up to the last day of the monthly statement (ie., the last business day of each month).

In the App, access the Card and select the "Change date” option.
On the Website: login and go to Daily basis > Select the Card in the left menu > More Operations > Change Payment Date.

How do I change the payment option of the Credit Card?

The Bank offers two payment options:

100% payment, in which the used balance is paid in full by the previously agreed payment deadline.
Partial payment, which makes it possible to pay the total amount owed in monthly percentages until the value of the debt is reached. Interest will be added to this option (according to the APR of your Card).

You can change the payment option, with effect in the current month, up to the last day of the monthly statement (ie., the last business day of each month).

In the App, access the Card and select “Payment option”.
On the Website: login and go to Daily basis > Select the Card in the left menu > More Operations > Change Payment Option.

How can I change the Credit Card limit?

You can request a credit limit change:

On the App, access the card, select option "Credit limit".
On the website: Login > Daily basis > select the Card on the left menu > More Operations > Change Credit limit.

What should I do in case my Card is stolen or lost?

Contact us immediately in case of loss, theft, or fraud involving your Cards, through the Urgent Card Service at +351 800 913 700. Available 24/7.

Call costs depend on the pricing plan agreed with your telecommunications provider. If you are abroad, contact us through the Customer Support Line and select option 8 (Emergency Services).

Please note: ActivoBank will never contact Clients using this number.

How do I validate 3D Secure transactions?

To validate 3D Secure transactions, you need to ensure that you have:

Internet access via mobile data or Wi-Fi;
Notifications are enabled in the ActivoBank application. You can confirm this by logging in to the App, selecting the "More" section and managing notifications under configurations.

At the moment of online purchase:

Enter your card details and wait.
You will then receive a notification from the ActivoBank application. Click on it.
Follow the instructions to validate the payment.
At the end, it's important to go back to the merchant's website or App to complete the purchase.

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Documentation

Consult here more information about the Credit Card Classic

1 - Classic Credit Card

TAEG 17,9%, TAN 17,400% for a Credit limit of 1.500€ paid in 12 equal monthly installments of capital plus interest and charges. No provision fee. Request subject to Credit risk analysis. You must not have held this Card in the last 12 months.

To receive €25 Cashback, you must follow these steps between 01/10 and 31/10/2026:

Open the ActivoBank App > More > Campaign Codes and register the promo code CASHBACK25.

Request the Card and make purchases of €250 or more.

You must not have held this Card in the last 24 months.

Payments to the State and public entities, games of chance, foreign currency, financial transfers/top-ups, and digital wallets (except MB Way, Apple Pay, and Google Pay) are excluded.

Refer to the regulations.

2 - SLICE

Slice for payments in 3, 6 or 9 months: TAN 9,900%.*

The Split Payment option for terms of 3, 6, or 9 months involves the use of credit for a specified period, subject to Stamp Duty, which is paid and charged at the time of granting, according to the applicable legal rates: For a term of less than 1 year: 0.1410% per month (TGIS 17.2.1.).

Minimum amount for split payment: €75, with a maximum of 50 simultaneous transactions.

The transactions can be split until 6:00 PM on the last business day of the month in which the transaction was made.

*TAN of 9,900%. Slice is subject to Stamp Duty on the Use of Credit (ISUC), charged at the time of activation, according to the applicable legal rates: Term < 1 year - 0.1410% per month (TGIS 17.2.1). Representative example for the creation of a plan associated with a purchase of €373 over 6 months: ISUC payment of €3.12 and a monthly instalment of €64.05.