BPI Business (APR 19,8% to 21,6%)

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Credit limit may be distributed by several cards.

BPI Business Card is addressed to Companies, Individual Business Owners and Liberal Professionals, with employees who recurrently make payments for service or representation expenses, allowing the allocation of differentiated credit limits for each of the employees.

Advantages
  • Reduction of administrative costs, reducing cash fund requirements;
  • Allocation of an autonomous credit limit per card, defined by the company according to the user's profile;
  • Card accepted all over the world in the MasterCard network;
  • Option to pay 100% of the balance, interest-free, or 10%, 25% or 50% of the outstanding balance;
  • Efficient and secure management of employee representation expenses, avoiding advances on foreseeable expenses;
  • Access to current account (dual version), for checking balances and movements, cash debit withdrawals and payment of services in Portugal;
  • Fast, simple and safe card management and checking through BPI Net Empresas.
Characteristics 

The BPI Business Card is intended for Small and Medium-Sized Companies, Individual Entrepreneurs and Individuals with business activity (e.g. Self-Employed persons), with head-office or resident in Portugal.

BPI Net Empresas permits to view information by company, department, card, and supplier, according to user profile.

The company can choose between centralized payment (single debit for the set of cards) or individual payment (debits card by card in different accounts).

The BPI Business card is available in Classic or Gold versions, allowing access to a set of insurance products and providing advantageous conditions on Hertz car rentals and discounts in the Pestana Group Hotels and Inns.

The BPI Business Line telephone answering service is permanently available: (+ 351) 21 720 77 40 or 22 607 22 80.
 

Beneficiaries

Companies based in Portugal.

Other Services

Permanent Telephone Answering Service (24 hours a day, every day of the year):

  • Useful information: immediate medical advice, on-duty pharmacies, hospitals, plane timetables and fares, road traffic, weather forecast, restaurants, schools, shops and museums.
  • Miscellaneous services (cost paid through authorized debit to Card Account): sending of flowers; home doctor; home delivery of medicines; booking tickets for shows; and finding qualified professionals for urgent repairs at home.

Hertz Corporate Business Programe:
The BPI Business Classic Card offers its holders free access to this programe, which, among other benefits, provides very advantageous rental conditions, including special rates (discounts of up to 40% on the public rate). For more information, please go to any Hertz Rental Station or call 808 20 20 38 in Portugal.

Pestana Hotels and Pousadas de Portugal
Discounts in the Pestana Hotels all over the world and in the network of Pousadas de Portugal. 


For more information, please go to any BPI Branch or Corporate Centre or contact us. 

Observations

BPI Business Gold Card: 21,6% APR; BPI Business Classic Card: 19,8% APR. APR calculated based on € 1.500 of credit, 16% nominal annual rate, annual fees of € 50 and € 30, respectively, 12-month term and single repayment at the end of term in accordance with Decree-Law 220/94. The interest rate is calculated on a 360-day basis, without rounding.

Issuer and Lender of the BPI credit cards: CaixaBank Payments & Consumer, E.F.C., E.P.,S.A.U. Registered Office: Manoteras Avenue 20, París Building, 28050 Madrid - Spain, with Tax Identification Number A08980153, registered in the Commercial Registry of Madrid, volume 36556, folio 29, sheet M-656492.

Agent in Portugal of the issuer (CaixaBank Payments & Consumer) and acting as an exclusive tied credit intermediary: Banco BPI, S.A, Registered Office: Avenida da Boavista, 1117 - 4100-129 Porto, Share Capital €1,293,063,324.98, registered at the Commercial Registry of Porto under the registration number PTIRNMJ 501 214 534 and Tax Identification Number 501214534.

These are Allianz Portugal S.A. insurance products, distributed by Banco BPI, SA, having its registered office at Avenida da Boavista, 1117, Oporto, acting as Insurance Intermediary No. 419527591, registered with the Portuguese Insurance and Pension Funds Supervisory Authority on 21/11/201, authorised to carry out Life and Non-Life Insurance businesses. Banco BPI, SA has ownership interests exceeding 10% in Companhia de Seguros Allianz Portugal, SA and in COSEC - Companhia de Seguros de Créditos, S.A. For further details on the registration please visit www.asf.com.pt. Banco BPI, SA is contractually bound to conduct insurance mediation business exclusively for one or more insurance companies and is compensated, as a fixed commission, with a portion of the insurance premium, and a variable commission based on its overall performance. In its capacity as Insurance Intermediary, Banco BPI, SA advises its Clients on Allianz Portugal SA insurance products, in a partial and personal manner, and is not liable for risk coverage under the insurance contract, does not act for or on behalf of the Insurance Company and is not authorised to collect premiums or enter into contracts on behalf of Companhia de Seguros Allianz Portugal, SA, and its intervention ends when the insurance contract is concluded. The Client is entitled to ask for information about the name of the insurance company or companies with which Banco BPI, SA works, relevant under requirements and needs presented, and about the remuneration to be received by the intermediary for the intermediation service provided. There are no other insurance intermediaries in this contract. Complaints may be filed against Banco BPI, SA with the Portuguese Insurance and Pension Funds Supervision Authority. Without prejudice to the right to appeal to courts, in case of any dispute arising out of the insurance intermediation business carried out in Portugal, Clients may use out-of-court redress bodies set up for the purpose. Any information about insurance can be obtained at any BPI Branch and Premier Centres, at www.bancobpi.pt or on 808243444 (customised service from 08:00 to 21:00).