UNIBANCO

Unibanco Credit Card

Unibanco Credit Card is a Portugal-focused credit card with no annual fee, cashback during the first 12 months, flexible repayment options, 20 to 50 days of interest-free credit, interest-free splitting of eligible purchases above €150 into 3 instalments, and support for major digital wallets.

cashback, rewards, shoppingBest for Users in Portugal who want a no-annual-fee cashback credit card Shoppers who want monthly cashback during the first year People who want flexible repayment options for everyday purchases Users who want to split eligible purchases above €150 into 3 interest-free instalments Cardholders who want Apple Pay, Google Pay, Garmin Pay, Fitbit Pay, and MB WAY support

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Highlights

Main benefits

No annual fee
Up to €200 cashback during the first 12 months
Monthly cashback credited to the card account
€20 monthly cashback for eligible monthly spend of €500 or more
€10 monthly cashback for eligible monthly spend from €300 to €499
€5 monthly cashback for eligible monthly spend from €100 to €299
20 to 50 days of interest-free credit on eligible purchases
Eligible purchases above €150 can be split into 3 interest-free instalments
Flexible monthly repayment options
Supports Apple Pay, Google Pay, Fitbit Pay, Garmin Pay, and MB WAY
Useful for everyday shopping and bill payments
Eurozone usage without extra card usage fee
App-based card and spending management
Card produced with degradable PVC material
24-hour card support for loss, theft, or misuse

Fees

Fees and charges

Joining fee

€0 joining fee

Renewal fee

€0 annual fee

Annual fee waiver

No annual fee

No standard renewal fee

Who can apply

Eligibility

Applicant should be 18 years or older
Applicant should be eligible to apply for consumer credit in Portugal
Applicant should have valid identification and contact details
Applicant should have a Portuguese bank account accepted by UNIBANCO
Applicant should meet UNIBANCO credit assessment requirements
Application approval depends on UNIBANCO review

Checklist

Documents required

Valid official identity document
Portuguese tax identification number
Proof of address
Bank account details or IBAN
Income or employment information
Contact details and personal information
Additional documents requested during application review

Process

How to apply

1. Visit the UNIBANCO credit card page

2. Select the online application option

3. Enter personal, contact, and identification details

4. Provide bank account details and income information

5. Review the annual fee, cashback offer, credit limit, and repayment options

6. Submit the online application

7. Complete any identity or document verification requested by UNIBANCO

8. Download and register in the UNIBANCO app after approval

9. Activate the card after approval and delivery

Value

Reward and cashback structure

Reward rate

Up to €200 cashback during the first 12 months

€20 monthly cashback for eligible monthly spend of €500 or more

€10 monthly cashback for eligible monthly spend from €300 to €499

€5 monthly cashback for eligible monthly spend from €100 to €299

20 to 50 days of interest-free credit on eligible purchases

Cashback

Up to €200 cashback during the first 12 months after card approval

€5 monthly cashback for eligible monthly spend from €100 to €299

€10 monthly cashback for eligible monthly spend from €300 to €499

€20 monthly cashback for eligible monthly spend of €500 or more

Cashback is credited monthly to the card account

Good fit

Pros

No annual fee
Strong first-year cashback offer for Portugal
Clear monthly cashback spend tiers
Good for everyday shopping
Eligible purchases above €150 can be split into 3 interest-free instalments
Supports several major digital wallets
Flexible repayment options
No need to open a new bank account
Useful app for managing card activity
Good simple cashback card for Portuguese users

Watchouts

Cons

Cashback is limited to the first 12 months
No ongoing fixed cashback percentage after the promotional period
Cashback requires monthly spend thresholds
No standard complimentary airport lounge access
No fuel surcharge waiver
Foreign currency transactions can involve fees
Not a premium travel rewards card
Partial repayment can generate interest costs
Best value requires regular monthly spending

Apply for this card

Apply now or check the details from bank source.

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Apply for this card

Apply now or check the details from bank source.

Apply Now Source / Reference

Back to Credit Cards

Universo, IME, S.A.

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5% discount at Continente and Meu Super
1% discount on other eligible Mastercard purchases
Discount credited to Cartão Continente balance

Taxa de adesão

No joining fee

Taxa de renovação

No annual card availability commission

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3% cashback in 6 everyday sectors
Cashback available for supermarkets, restaurants, fuel stations, EV charging, TVDE and streaming
Up to €10 cashback per month

Taxa de adesão

No opening commission

Taxa de renovação

No annual fee

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Earn 1 point per €1 spent on eligible purchases
Redeem points through the WiZink rewards catalogue
No annual fee

Taxa de adesão

No joining fee

Taxa de renovação

No annual fee

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Corporate credit card for Portuguese businesses
Designed for representation, travel and employee expenses
Flexible individual credit limits

Taxa de adesão

Not specified

Taxa de renovação

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Business credit card linked to TAP Miles&Go
Earn 1.5 TAP Miles&Go miles per €1 spent
Up to 15,000 miles per month per card account

Taxa de adesão

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Taxa de renovação

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Comparar cartões

Card 1Card 2

Field	Unibanco Credit Card	Cartão Universo+
Bank/provider	UNIBANCO	Universo, IME, S.A.
Taxa de adesão	€0 joining fee	No joining fee
Taxa de renovação	€0 annual fee	No annual card availability commission
Best for	Users in Portugal who want a no-annual-fee cashback credit card Shoppers who want monthly cashback during the first year People who want flexible repayment options for everyday purchases	Shopping at Continente and Meu Super Everyday Mastercard purchases in Portugal Users who want discounts credited to Cartão Continente
Taxa de recompensas	Up to €200 cashback during the first 12 months €20 monthly cashback for eligible monthly spend of €500 or more €10 monthly cashback for eligible monthly spend from €300 to €499 €5 monthly cashback for eligible monthly spend from €100 to €299	5% discount on eligible purchases at Continente and Meu Super when paid in Fim do Mês mode 1% discount on eligible purchases at other Mastercard merchants when paid in Fim do Mês mode Discount is credited to Cartão Continente balance Monthly discount limit up to €10
Cashback	Up to €200 cashback during the first 12 months after card approval €5 monthly cashback for eligible monthly spend from €100 to €299 €10 monthly cashback for eligible monthly spend from €300 to €499 €20 monthly cashback for eligible monthly spend of €500 or more	5% at Continente and Meu Super 1% at other eligible Mastercard merchants Credited as Cartão Continente balance Up to €10 per month
Acesso a lounges	No standard Included airport lounge access Travel value is mainly through eurozone card usage and flexible payment features	Not available
Isenção de sobretaxa de combustível	Not available	No commission on purchases at fuel stations
Beneficio de boas-vindas	Up to €200 cashback during the first 12 months Monthly cashback can be earned after meeting eligible spend tiers Card has no annual fee	Not specified
Isenção de anuidade	No annual fee No standard renewal fee	No annual card availability commission No waiver condition required
Elegibilidade	Applicant should be 18 years or older Applicant should be eligible to apply for consumer credit in Portugal Applicant should have valid identification and contact details	Applicant must be eligible for consumer credit in Portugal Applicant must complete Universo identity and credit assessment requirements Applicant must provide valid personal and contact information
Link de candidatura	Candidatar-se agora	Candidatar-se agora

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Unibanco Credit Card

Main benefits

Fees and charges

Eligibility

Documents required

How to apply

Reward and cashback structure

Pros

Cons

Apply for this card

Apply for this card

Related cards

Cartão Universo+

Cetelem Black Plus

WiZink Rewards

Caixa Business Gold

Millennium bcp TAP Business

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