BPI Card (APR 13,0%)


Especially for you, we present BPI Card, a Visa Credit and Debit Card that gives you access to a wide range of advantages.


With the BPI Card you can make purchases and withdraw cash on credit on the Visa and Multibanco networks. In Portugal, it also gives you the possibility to access your Current Account to check balances, make cash withdrawals, pay bills and make Low Value payments. With your mobile device (BPI App) or at your online service (BPI Net), you can also cash advance from your credit to your current account in an easy, fast and convenient way. Up to 50 days interest-free credit.

  • No Annual Fee
    Exemption of annual fee for holders of the BPI Valor Account (2 cards in the same credit card account).
  • Interest-free credit for up to 50 days
    Make your purchases and cash withdrawals and enjoy interest-free credit for up to 50 days.
  • Universal means of payment
    You can make your purchases in millions of establishments linked to the Visa network all over the world.
  • Cash advance to BPI Current Account
    With this feature you can transfer money from your credit card balance to your current account, in an easy, fast and convenient way, at BPI App or BPI Net. The balance is available immediately.
  • Choose an image for your BPI Card
    The BPI Card allows you to choose one of 21 images of Portuguese cities. If you miss the city where you were born, if you would like to return to the city where you spent your best holidays, if you love the city where you live, this is an opportunity to carry it always with you.
  • Optional insurance coverages
    - Base Insurance
    Travel Personal Accidents, Civil Liability, Home Assistance, Card Account Balance, ATM Theft, among others.
    - Health Insurance and Hospital Internment
    Health Insurance and Hospital Internment under special conditions.
  • Always at your service
    BPI Cards Line 21 720 77 00 and 22 607 22 66 (personal assistance, 24h a day).
  • Contactless technology
    The BPI Card is already fitted with the innovative contactless technology.   
Annual fee

1st card holder: € 20.00
Additional card holders: € 20.00
To these prices is added Stamp Duty at the rate in force.

Interest Rate

Nominal: 8,5%
Representative APR: 12,2%, calculated for credit limit of € 1.500, € 20,00 annual fee and repayment in 12 capital installments of the same amount, plus interest at the above mentioned APR and the legal taxes in force. The interest rate is calculated on a 360 days basis, with no rounding off. Rates valid until 30/06/2024.


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).

How do I apply for a card?

To apply for a BPI Card, you must go to any BPI Branch or BPI Premier Centre.