BNP Paribas Personal Finance, S.A., Sucursal em Portugal
Cetelem Black Plus
Cetelem Black Plus is a Portugal credit card for daily spending with 3% cashback in 6 everyday sectors: supermarkets, restaurants, fuel stations, electric vehicle charging, TVDE and streaming. It has no annual fee, no opening commission and no maintenance expenses, with flexible payment options and digital wallet support.
Highlights
Main benefits
- 3% cashback in 6 everyday sectors
- Cashback available for supermarkets, restaurants, fuel stations, EV charging, TVDE and streaming
- Up to €10 cashback per month
- Up to €120 cashback per year
- No annual fee
- No opening commission
- No maintenance expenses
- No fuel station fee
- Flexible payment options including monthly, special instalments and one-time payment
- Supports MB Way, Apple Pay, Google Pay and Samsung Pay
- 100% online management through the Cetelem app
Fees
Fees and charges
Joining fee
No opening commission
Renewal fee
No annual fee
Annual fee waiver
No annual fee
No maintenance expenses
No waiver condition required
Who can apply
Eligibility
- Applicant must be eligible for consumer credit in Portugal
- Applicant must complete Cetelem identity and credit assessment requirements
- Applicant must provide valid personal, contact and financial information
- Approval depends on Cetelem credit assessment
Checklist
Documents required
- Valid identification document
- Portuguese tax identification number
- Proof of address
- Proof of income when requested
- Bank account details when requested
Process
How to apply
1. Visit the official Cetelem Black Plus card page
2. Start the online card application
3. Choose the required credit limit and monthly payment option
4. Enter personal, tax, contact and financial details
5. Upload or submit the requested documents
6. Complete the credit assessment and contract signing process
7. Activate the card after approval and manage it through the Cetelem app
Value
Reward and cashback structure
Reward rate
3% cashback in supermarkets
3% cashback in restaurants
3% cashback at fuel stations
3% cashback at electric vehicle charging points
3% cashback on TVDE
3% cashback on streaming
Cashback up to €10 per month
Cashback up to €120 per year
Cashback
3% cashback in 6 daily spending sectors
Eligible sectors include supermarkets, restaurants, fuel stations, electric vehicle charging, TVDE and streaming
Maximum cashback of €10 per month
Maximum cashback of €120 per year
Good fit
Pros
- Strong 3% cashback across useful daily categories
- Good for grocery, dining, fuel and streaming expenses
- No annual fee or maintenance expenses
- Useful digital wallet support
- Fuel purchases do not carry a fuel station fee
- Flexible repayment options
- Backed by BNP Paribas Personal Finance in Portugal
Watchouts
Cons
- Monthly cashback cap limits high-spend value
- Cashback only applies to selected merchant categories
- No lounge access benefit
- Credit approval is required
- Revolving credit interest can be costly when balances are carried
Related
Related cards
Comparar cartões
Comparar cartões
| Field | Cetelem Black Plus | Cartão Universo+ |
|---|---|---|
| Bank/provider | BNP Paribas Personal Finance, S.A., Sucursal em Portugal | Universo, IME, S.A. |
| Taxa de adesão | No opening commission | No joining fee |
| Taxa de renovação | No annual fee | No annual card availability commission |
| Best for |
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| Taxa de recompensas |
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| Cashback |
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| Acesso a lounges | Not available | Not available |
| Isenção de sobretaxa de combustível |
| No commission on purchases at fuel stations |
| Beneficio de boas-vindas | Not specified | Not specified |
| Isenção de anuidade |
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| Elegibilidade |
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| Link de candidatura | Candidatar-se agora | Candidatar-se agora |
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