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Cartão de Crédito Gold - Credit Card Gold

Prestige and worldwide shopping

APR 18.5%*
  • No annual fee with 360º  Account or Golden Key Account

Credit Card Gold

Credit Card Gold gives you access to a credit limit of up to €25,000 and benefits that make it easier and safer to manage purchases and payments in Portugal and abroad. 

Discover the advantages and convenience of the Credit Card Gold and apply online now.

Benefits of the Credit Card Gold for everyday use 

  • Cashback included in your packaged account

    Discover 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. Find out more.

  • Credit limit up to €25,000

    From €1,750 to €25,000, choose the limit that fits your day‑to‑day needs

  • Free everyday payments and apps

    Pay and shop using MB WAY through the novobanco App, Google Pay, Apple Pay, or manage your card on the App and novobanco Online, with €0 fees.

  • Advanced security for your purchases

    3D Secure, Strong Customer Authentication and MB NET Virtual Cards provide enhanced protection for online and in‑store purchases. 

Annual fee waiver

No annual card fee with 360º  Account or Golden Key Account

  • Transfer money to your current account

    You can request a cash advance to your current account, up to the available credit limit on your card. (3)

  • Protection and security services

    You may subscribe to Protection Solution for greater peace of mind and security.

Travel with your Credit Card Gold 

Wherever you are, keep access to the benefits of the Credit Card Gold in a simple and secure way.

  • Use in Portugal and abroad

    Use your card at merchants and ATMs worldwide.

  • No fees in the Euro area

    No fees on purchases made in euros. (4)

Extra cash worldwide

Wherever you are, the the Credit Card Gold helps you handle unexpected expenses with more flexibility.

Flexible and convenient repayment options 

Choose how and when to pay

You can change the payment option of your Credit Card Gold on the novobanco App or novobanco Online and manage all payments simply online.

  • Instalment payments with no surprises

    Split purchases of €75 or more into fixed monthly instalments, up to 36 months.

  • Pay at your own pace

    Repay your outstanding balance in full 100% or partially from 5%.

  • Interest‑free purchases when paying 100%

    If you pay the full outstanding balance by the payment deadline shown on your monthly statement, you benefit from an interest‑free period of between 20 and 50 days.

Apply for your Credit Card Gold in 3 simple steps

Apply for the Credit Card Gold in 5 minutes

Apply for a card
1

Log in

Access the App or novobanco Online and log in to your customer area.

2

Application

Complete the required fields, review the legal documents and accept the terms and conditions.

3

Approval

You will receive a message in novobanco Online. The PIN and card will then be sent to your home.

Apply for a card

Features of the Credit Card Gold

Available credit limits: €1,750, €2,000, €2,500, €3,000, €3,500, €4,000, €4,500, €5,000, €6,000, €7,500, €8,750, €10,000, €12,500, €15,000, €17,500, €20,000 or €25,000.

Pay your outstanding balance with monthly payments from 5% or choose a fixed payment amount, with a minimum of 4% of your credit limit.

You may also make early payments or multiple payments during the same month whenever you wish.

Pay purchases of €75 or more in fixed monthly instalments, with a reduced rate, for up to 36 months.

Pay the full outstanding balance by the statement deadline and no interest will be charged.

Annual credit card fee of €25 plus Stamp Duty at 4%.

The annual fee is waived  for the first and second cardholders when linked to Conta 360º or Conta Golden Key.

Provides access to emergency cash abroad up to your assigned credit limit. The subscription includes free 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 hospitalization.

*Insurance and services information does not replace consultation of the relevant policy. 

You may add access to insurance and assistance services at a more advantageous cost, including Serviço de Utilização Tranquila and Serviço de Utilização Tranquila Plus.

Insurance and assistance information does not replace consultation of the relevant policy.

The Credit Card Gold allows the following operations in Portugal and abroad:

Purchases at merchants and fuel stations that accept VISA and or Multibanco. 
Cash advance at ATMs, via novobanco Online, the App or the Direct Line.

Please consult the Price List for the applicable fees. 

In Portugal, the card can also be used at merchants that only accept Multibanco.

The the Credit Card Gold, like all novobanco credit cards, is made from 100% recycled and biodegradable plastic, reducing the production of new PVC.

At the end of your card’s validity, insert it into an ATM so it is retained by the machine.

Applying for the Credit Card Gold online is fast and simple. Apply now through the App or novobanco Online.

Apply for a card >

 

Documentation

General Conditions for New Accounts General Conditions for New Accounts
Standardised Information Sheet Standardised Information Sheet
General Conditions for Basic Banking Services General Conditions for Basic Banking Services
Apply for a card
Extra cash always with you

The Credit Card Gold allows you to live with peace of mind without worrying about unexpected events.

FAQs about the Credit Card Gold

The maximum credit limit is €25,000. 

Yes. You can apply online through novobanco digital channels in less than 5 minutes.

Yes. Purchases of €75 or more can be split into monthly instalments, up to 36 months.

Yes. Full payment 100% is available, with no interest charged, when the used balance is paid in full by the due date.

Customers with with 360º  Account or Golden Key Account are exempt from the annual fee.  
Other customers are charged €25 plus Stamp Duty at 4%. 

The card is automatically activated upon the first purchase.

You can check transactions and statements at any time through the novobanco App or novobanco.pt.

Yes. The Credit Card Gold can be used in Portugal and abroad.

Yes. You must hold a current account to apply.

Contact the nearest novobanco branch or call the Direct Line, available 24 hours a day:

Portugal. 800 202 505 
International. +800 024 736 50

The call cost for Direct Line through 218 837 700 is the cost agreed between the customer and their telecommunications operator, and through 707 247 365 it is €0.09 per minute from the fixed network and €0.13 per minute from the mobile network, plus VAT at the legal rate in force. Personalized support on weekdays from 8 a.m. to 10 p.m., and on weekends and public holidays from 9 a.m. to 6 p.m.

Apply for a card online in less than 5 minutes

Information and examples of Credit Card Gold 

(*) Gold Card: 18.5% APRC at 14.600% APR, for a credit limit of €1,750 with repayment at 12 months. 3rd Quarter 2026. Credit card provision fee of €25, plus stamp duty.

 (2) Annual fee waived for the first and second cardholders when linked to 360º Account or Golden Key Account

(3) A cash advance fee may be charged depending on the channel used, up to €4.25 plus 4.50%.

(4) Countries covered by Regulation (EU) 2021/1230 (Euro area, European Union and EEA): Belgium, Germany, Greece, Spain, France, Ireland, Italy, Luxembourg, the Netherlands, Austria, Portugal, Finland, Slovenia, Cyprus, Malta, Slovakia, Estonia, Latvia, Lithuania, the Czech Republic, Denmark, Hungary, Poland, Sweden, Bulgaria, Romania, Croatia, Iceland, Norway and Liechtenstein. Currencies covered: the euro, the Swedish krona and the Romanian leu. Excluding transactions made at fuel stations.

PUB | NOVO BANCO S.A. | Registered no. 7 at Banco de Portugal