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Cartão de Crédito Platinum 360º - Credit Card Platinum 360º

Our most exclusive card

APR 18.5%*
  • Credit limit up to €40,000

(!) The Credit Card Platinum 360º is an exclusive product with selective eligibility criteria.

Credit Card Platinum 360º

The Credit Card Platinum 360º is a premium solution that lets you make and manage payments in a versatile and effective way, supporting a simpler and more efficient approach to your finances.

Discover the benefits of our most exclusive card   and request it through your relationship manager.

 

Benefits and advantages of the Credit Card Platinum 360º 

  • 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.

  • Exclusive credit limit

    From €15,000 to €40,000, choose the limit that fits your day‑to‑day needs.

  • Use in Portugal and abroad
    • Use your card at merchants and ATMs worldwide.
    • In the euro area, you do not pay fees on purchases made in euros.
  • Free everyday payments and apps

    Pay and shop using MB WAY through the novobanco App, Google Pay and Apple Pay, or manage your card through 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.

Money when you need it

Wherever you are, with the Credit Card Platinum 360º you will always have access to the money you need.

  • 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 Insurance

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

Flexible and convenient repayment options 

Choose the repayment option that suits you each month.

You can change the payment option of your Credit Card Platinum 360º in the novobanco App or novobanco Online and manage all payments simply online.

  • Pay in instalments with no surprises

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

  • Choose the most convenient payment option

    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.

Credit Card Platinum 360º

A unique and exclusive card for a more effective financial management approach.

Request the card through your relationship manager. 

Features of the Credit Card Platinum 360º

You can select credit limits from €15,000 to €40,000.

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 €110 plus Stamp Duty at 4%.

Fee waiver conditions may apply depending on the linked account type and cardholder position, as described in the applicable terms.

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. 

 

As part of your subscription, you have access to:

• A comprehensive set of insurance and assistance services, with high coverage limits, including travel assistance for people, travel assistance for vehicles and occupants, and complementary services.

• Reimbursement of amounts resulting from fraudulent transactions following loss, theft, misplacement, counterfeiting or improper use of the card and or PIN.

• Reimbursement of travel or accommodation costs for the card account holder if they are unable to travel, provided the payment was made with the credit card. 

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

 

This card is linked to a card account and allows, in Portugal and abroad, the following operations:

• Purchases at merchants and fuel stations that accept VISA and or Multibanco.

• Cash advance at ATMs on the VISA network, 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 applicable fees.

The Credit Card Platinum 360º 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.

Documentation

General Conditions for New Accounts General Conditions for New Accounts
Standardised Information Sheet Standardised Information Sheet

FAQs about the Credit Card Platinum 360º

It is not possible to apply online for the Credit Card Platinum 360º. Contact your relationship manager to request the card.

Yes. Purchases of €75 or more can be split into 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.

The maximum credit limit is €40,000.

The annual card fee is €110 plus Stamp Duty at 4%.

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

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.

Information and examples of Credit Card Platinium

 (*) Credit Card Platinium: 18.5% APRC at 16.250% APR, for a credit limit of €15,000 with repayment at 12 months. 3rd Quarter 2026.

Credit card provision fee of €110, plus stamp duty.

 (2) Countries covered by Regulation (EU) 2021/1230. Euro area, European Union and EEA. The currencies covered include the euro, the Swedish krona and the Romanian leu.

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

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

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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