Start with where you live. Compare local cards, their recurring costs and the benefits that can fit spending you already planned.
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Country of residence
Language changes how you read. Country changes which card is available. Your selection does not confirm eligibility; the issuer makes that decision.
Portugal⌄
Compare local options
Portugal
Your planned spending may bring something back: useful rewards, a future trip or a little more room in your everyday budget. The right choice depends on the local terms.
BNP Paribas Personal Finance · Portugal
Cetelem Black Plus
€0.00Standard annual fee · EUR
No annual, opening or maintenance fee. Interest, taxes and charges for particular uses can still apply.
3% cashback on eligible supermarket, restaurant, fuel, EV charging, ride-hailing and streaming purchases; capped at €10 per statement month and €120/year.
Who can apply
Adult applicants must provide identity, residence, income/employment or pension evidence and a named IBAN. Cetelem assesses the application; approval is not guaranteed.
Before you choose
Merchant classification determines eligibility; no cashback while in default. Repayment interest can exceed cashback, and the issuer may change or end the programme.
In Fim do Mês mode, 5% at Continente and Meu Super and 1% on other eligible purchases, credited as Continente loyalty balance with a shared €10/month cap.
Who can apply
Requires identification, Portuguese tax number and a named IBAN; non-EU applicants need permanent-residence authorisation. Further address/income documents may be requested. Subject to issuer approval.
Before you choose
Rewards are loyalty balance, not cash. Bills, transfers and instalment payments are excluded. Choose 100% monthly repayment; interest and other charges can exceed savings.
