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Cartão de Crédito Verde - Credit Card Verde

Everything you need in a Credit Card

APR 16.4%*
  • No annual fee with 100% Account or 26.31 Account

Credit Card Verde

Your Credit Card Verde gives you a simple, practical and secure way to manage everyday expenses, in Portugal and abroad.

Simple, practical and secure, the Credit Card Verde is a complete option for anyone looking for an essential and convenient credit card. Apply online in minutes.

Benefits of the Credit Card Verde for everyday use 

  • Cashback included in your packaged account

    Discover exclusive offers from well‑known brands in the App and on 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.

  • Simple and competitive credit card

    All the essential features of a credit card, with a competitive interest rate.

  • Credit always available

    Choose the credit limit that suits your everyday needs, from €750 up to €5,000.

  • Free everyday payments and apps

    Shop and pay using MB WAY through the novobanco App, Google Pay or Apple Pay, and manage your card in novobanco Online or the App, 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.

No annual fee

No annual card fee with your 100% Account or 26.31 Account (2)

  • Transfer money to your current account

    You can transfer funds to your current account or request a cash advance to your current account, up to the available credit limit on your card.

  • Protection Solution

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

    This service provides access to emergency cash abroad up to your assigned credit limit and includes free Protection Insurance. The insurance 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 information does not replace consultation of the relevant policy.

For everyday use and for travel 

Use the Credit Card Verde on your travels and holidays abroad, with complete security and simplicity.

  • Use in Portugal and abroad

    Use your Credit Card Verde at merchants and ATMs worldwide.

  • No fees in the Euro area

    No fees on purchases made in euros.

Simple. Practical. Secure.

All the essential benefits of a credit card, in a competitive and convenient solution.

Flexible and convenient repayment options 

Choose how and when to pay.

You can change the payment option of your Credit Card Verde through the novobanco App or novobanco Online and manage all payments simply and digitally.

  • 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 the Credit Card Verde in 3 simple steps

Apply for the Credit Card Verde 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 on novobanco Online. The PIN and card will then be sent to your home.

Apply for a card

Features of the Credit Card Verde

Available credit limits: €750. €1,000. €1,250. €1,500. €1,750. €2,000. €2,500. €3,000. €3,500. €4,000. €4,500 or €5,000.

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 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.

nnual credit card fee of €13 plus Stamp Duty at 4%.

The annual fee is waived for the first and second cardholders when linked to 100% Account, and for the first cardholder when linked to 26.31 - Account

Provides access to an emergency cash service abroad up to the assigned credit limit. When subscribing, the bank grants free access to Protection Insurance, which covers the monthly payment of 10% of the outstanding card balance at the time of the claim (up to a maximum of €750/month), in case of unemployment, incapacity or hospitalisation.

*Insurance and service information does not replace the consultation of the respective policy.

You may add access to insurance and assistance services at a more advantageous cost, including the 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 Verde 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.

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

Please consult the Price List for the applicable fees.

Credit Card Verde 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 Verde 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 money always with you.

The Credit Card Verde allows you to live with peace of mind, without worrying about unexpected situations.

 

FAQs about the Credit Card Verde

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. By choosing full payment 100% and paying the balance by the due date, no interest is charged.

Customers with 100% Account or 26.31 Account are exempt from the annual fee. Other customers are charged €13 plus Stamp Duty at 4%.

The maximum credit limit is €5,000.

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 Verde 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.

Apply for your card online in less than 5 minutes.

Other Credit Cards

  • Fixed monthly payments.
  • Credit limit up to €2,000.

Credit Card Branco

  • Fixed monthly payments.
  • Credit limit up to €2,000.
  • Option to add insurance and assistance services.
  • Credit limit up to €25,000.

Credit Card Gold

  • Option to add insurance and assistance services.
  • Credit limit up to €25,000.

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92,3% dos clientes recomendam este crédito habitação.

Recomendações

92,3% dos clientes recomendam este crédito habitação.

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Information and examples of the Credit Card Verde

(*) Credit Card Verde: 16.9% APRC at 14.350% APR, for a credit limit of €1,500 with repayment at 12 months. 2nd Quarter 2026. Credit card provision fee of €13, plus stamp duty.  Credit card provision fee waived for primary cardholders.

 (2) Annual credit card fee waived for the Cartão Crédito Verde - Credit Card Verde for the primary and secondary cardholders when linked to the Conta 100% - 100% Account, and for the primary cardholder when linked to the Conta 26.31 - 26.31 Account or the Conta Boas-Vindas - Welcome Account.

(3) Cash advance fee, depending on the channel used, can be up to €4.25 + 4.50%.

(4) Countries covered by Regulation (EU) 2021/1230 (Eurozone, European Union and EEA): Belgium, Germany, Greece, Spain, France, Ireland, Italy, Luxembourg, the Netherlands, Austria, Portugal,​ Finland, Slovenia, Cyprus, Malta, Slovakia, Estonia, Latviaand 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. Except for transactions made by card at fuel stations.

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

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