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.
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
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