Cartão de Crédito Branco - Credit Card Branco
The credit card with 0% interest
APR 10.6%*
- 0% interest rate
Credit Card Branco
The Credit Card Branco is a unique credit card that allows you to shop with no interest and pay later in low, fixed monthly instalments from €24 per month, according to your budget and with no surprises.
Discover an innovative solution designed to help you manage everyday payments and unexpected expenses with a 0% interest rate. Apply online now.
Benefits designed for your everyday life
-
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. Find out more.
-
0% interest rateMake your purchases and pay in fixed monthly instalments with no interest.
-
Credit always availableChoose the credit limit that best suits your needs, from €600 up to €2,000.
-
Free everyday payments and appsPay and shop using MB WAY via the novobanco App, Google Pay, Apple Pay, or manage your card through the App and novobanco Online, with €0 fees.
-
Advanced security for your purchases3D Secure, Strong Customer Authentication and MB NET Virtual Cards ensure enhanced protection and security for your purchases.
-
Fixed monthly payments with no surprisesPay for your purchases in low, fixed monthly instalments from €24 per month, with no interest. Find out more.
-
Transfer money to your current accountYou 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. (2)
-
Protection Solution
You may subscribe to Protection Solution for greater peace of mind and security.
This service provides access to emergency cash abroad up to your assigned credit limit and includes free Protection Insurance. The insurance guarantees 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.
Insurance information does not replace consultation of the relevant policy.
What does it cost to access the benefits of the Credit Card Branco
-
You only pay the annual card feeThe Credit Card Branco has a single cost associated with the annual card fee, which varies according to the selected credit limit, plus Stamp Duty at 4%. Find out more.
Take it with you abroad
Use your Credit Card Branco at merchants and ATMs worldwide.
-
Use in Portugal and abroadUse your Credit Card Branco at merchants and ATMs worldwide.
Fixed monthly payments with no surprises
Paying the outstanding balance of your Credit Card Branco is simple, easy and convenient.
-
Pay with peace of mindMake your payments in comfortable, low monthly instalments. With no interest.
-
Controlled finances with low fixed monthly paymentsYou always pay the same fixed amount every month, with no surprises. Find out more.
You can make, manage and control all payments for your Credit Card Branco through the App and novobanco Online, quickly and conveniently.
Apply for you Credit Card Branco in 5 minutes
Application
Complete the required fields, review the legal documents and accept the terms and conditions.
Approval
You will receive a message on novobanco Online. The PIN and card will then be sent to your home.
- Features
- Documentation
Features of the Credit Card Branco
Available credit limits: €600, €1,000, €1,500 or €2,000.
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.
The Credit Card Branco 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 applicable fees.
The Credit Card Branco 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.
.jpg/_jcr_content/renditions/cq5dam.thumbnail.48.48.png)
FAQ about the Credit Card Branco
Yes. The Credit Card Branco has a nominal interest rate of 0%.
Yes. You can apply online through novobanco digital channels in less than 5 minutes.
The maximum credit limit is €2,000.
The APR reflects the total annual cost for the customer, which in this case corresponds to the annual card fee plus Stamp Duty.
The card availability fee (annual fee) is charged at the start of the card agreement and, subsequently, each year on the anniversary date of the card account.
Yes. The Credit Card Branco can be used in Portugal and abroad.
You can check transactions and statements at any time through the novobanco App or novobanco.pt.
Yes. The Credit Card Branco can be used in Portugal and abroad.
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.
Yes. You must hold a current account to apply.
Apply for a card online in less than 5 minutes
Information and examples of Credit Card Branco
(*) Branco Credit Card: 10.6% APRC at 0.000% APR, for a credit limit of €1,500 with repayment at 12 months, updated in the 3rd quarter of 2026. Credit card provision fee of €65/year, plus stamp duty.
(2) Cash advance fee, depending on the channel used, can be up to €4.25 + 4.50%.
(3) 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