Credit cards with benefits at novobanco
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Cashback included in your packaged accountDiscover exclusive offers from well‑known brands in the App and in novobanco Online. Pay with any novobanco card, debit or credit, and get part of your spend back with no vouchers and no hassle.
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Digital paymentsYou do not need to carry your card to make payments. Pay with your iPhone, smartphone or smartwatch using Apple Pay, Google Wallet or MB WAY.
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3D Secure and Strong Customer AuthenticationThe 3D Secure service has no subscription or usage costs. All online purchases benefit from additional security, as payments are only completed after an authentication request sent via a notification to the novobanco App or the MB Way App, depending on the cardholder’s settings.
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Contactless paymentsContactless payments allow faster checkout without entering your PIN for amounts below €50.
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MB NET Virtual Cards
Create virtual cards for one‑off or recurring online purchases, with spending limits defined by you. No associated costs.
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Cash advance
Receive extra funds directly in your current account to cover unexpected expenses. Cash advance does not require prior approval and funds are made available immediately.
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Usage services, insurance and assistance
Your subscription includes free access to a set of insurance and assistance services. Exclusive to Verde Credit Card, Gold Credit Card and Gold 360º Credit Card.
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Protection Insurance
Provides access to emergency cash abroad up to the assigned credit limit. The subscription includes free access to Protection Insurance, which covers the monthly payment of 10% of the outstanding card balance at the date of the claim, up to a maximum of €750 per month, in situations of unemployment, incapacity or hospitalisation.
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Sustainability
novobanco credit cards are made from 100% recycled PVC, reducing the production of new plastic.
Note: Cards placed in the yellow recycling bin will not be recycled.
Applying for a Credit Card is fast, simple and secure
Choosing the right card is key to finding the credit card that best suits your needs. Discover our four credit cards. Explore their benefits and services and apply for the card that suits you best.
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A simple gesture that helps the planetMade from 100% recycled and biodegradable plastic. When your card reaches its expiry date, insert it into an ATM so it is retained by the machine.
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What do you need to do
At the end of your card’s validity, insert it into an ATM so it is retained. novobanco will then send the card to Extruplás, where it will be recycled and reused in the production of urban furniture, significantly reducing environmental impact.
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Benefits
- Simple. ATMs are available nationwide.
- Secure. The card is destroyed.
- Eco‑friendly. The material is reused for urban furniture.
Frequently Asked Questions about our credit cards
A credit card is more than a payment method for purchases or cash withdrawals, online or in store. It is a liquidity management tool. You can use it without having funds in your current account, provided the assigned credit limit allows it. You can choose how to repay the outstanding balance, in full or in part.
Yes. At novobanco, you can apply for your credit card online. It is fast, simple and secure.
novobanco credit cards can be used at any merchant or ATM that accepts Multibanco or VISA. You can use the card up to the assigned credit limit. If the limit is reached, you can free up available credit by making a payment, just like topping up your mobile phone.
A monthly statement is issued showing the outstanding balance, which can be paid in the most convenient way up to 20 days later. If you pay the full amount, no interest is charged. Otherwise, you may choose partial payments at a fixed amount or percentage. novobanco credit cards include an interest‑free period of between 20 and 50 days, depending on the purchase date.
After approval, the credit card is usually delivered within 3 to 5 days.
novobanco offers different cards for different needs. Compare and choose the credit card that best suits you.
Log in via the novobanco website and access novobanco Online, then go to Credit / Cards / Card Management and select change limit and complete the fields in the form.
A credit card is linked to a card account with an assigned credit limit. Transactions such as purchases, cash advance, refunds and payments are recorded in this account. A debit card, by contrast, is linked directly to your current account balance.
novobanco credit cards are sent active, unless they are delivered to an address abroad. In that case, activation must be done through novobanco Online under Everyday Banking. Cards. Card activation. Alternatively, you can contact the Direct Line.
The minimum age is 18.
You can check card movements and available balance at any time through novobanco Online or the App, including access to your monthly statement.
A payment option defines how you repay your outstanding balance each month, either in full or in part.
Partial payment options include 5%, 15% or 50%, with a minimum of €15. You may also choose a fixed monthly payment, provided it is equal to or above 4% of your credit limit.
If you choose a partial payment option, interest will be charged according to the rate defined in your credit agreement.
Yes. You can make full or partial payments on a different date. These payments release available credit and may cancel the monthly payment.
If a one‑off payment equal to or above the minimum amount due is made after the statement date and before the payment deadline, the monthly payment will not be charged. If the payment is below the minimum required amount and before the payment date, the system will debit the difference on the payment date.
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