In a world where financial tools must meet more than just our basic needs, the ActivoBank Gold Card rises to the challenge with a perfect blend of lifestyle perks and functional benefits.
Whether you’re a frequent traveler, a streaming addict, or just someone who wants peace of mind with your purchases, this card brings a versatile package to the table — all without complicating your routine.
From cashback rewards to fee exemptions and smart travel features, the AB Gold Credit Card is not just a payment tool. It’s a passport to convenience, savings and flexibility — ideal for anyone looking to streamline expenses while enjoying modern advantages in Portugal and abroad.
Essential details of the ActivoBank Gold Card
Issued by Banco ActivoBank S.A., the AB Gold Credit Card comes with a competitive TAEG of 17.9% and a TAN of 12.200%, making it a mid-range credit option designed for users looking for lifestyle benefits with predictable costs.
The card issuance fee is €2.99/month, totaling an annual provision cost of €35.88, plus stamp tax. Once approved, users receive an instant digital version of the card via the app, which can be used while waiting for the physical version.
One of the highlights of the card is the travel campaign valid until April 30, 2025, offering 20% cashback (up to €150) on flight purchases made with easyJet, Ryanair or TAP, exclusively for new applicants who haven’t had the card in the past 12 months.
Moreover, all users get 2% cashback (up to €5/month) for purchases in restaurants, ride-hailing apps (TVDE), food delivery, and streaming services.
The card is packed with seven types of insurance and includes an international usage policy with no foreign transaction fees for operations outside the Eurozone.
There’s also no petrol station fee and no cash advance fee for monthly withdrawals up to €400 — a rare combo in the Portuguese market.
Furthermore, the AB Gold Credit Card supports installment plans for purchases over €75 and allows flexible monthly payments based on the user’s preference.
Qualification requirements
Getting approved for the ActivoBank Gold Card requires a credit review process, as it’s a regulated financial product. Applicants must be residents of Portugal, of legal age, and meet the bank’s income and credit criteria.
Although the specific income threshold isn’t publicly disclosed, the bank considers your ability to manage credit responsibly and maintain an active banking relationship.
The card is only available for individuals who have not held an AB Gold Credit Card in the past 12 months. This is especially relevant for those hoping to qualify for the limited-time 20% flight cashback campaign, which applies only to new cardholders making eligible airline purchases.
In addition, users will need to pass the Know Your Customer (KYC) process and provide identification, proof of income, and residence.
While these requirements are standard, the approval process is subject to internal credit risk assessment by ActivoBank, and acceptance is not guaranteed.
Benefits and perks
The ActivoBank Gold Card stands out not only for its sleek digital approach but for its wide range of built-in advantages, tailored to meet different lifestyles:
- 20% travel cashback
Until April 30, 2025, users can receive up to €150 back when purchasing flights with Ryanair, TAP, or easyJet. It’s ideal for anyone planning travel in spring. - 2% lifestyle cashback
Earn up to €5/month with purchases in restaurants, TVDE apps like Uber or Bolt, food delivery services, and streaming platforms such as Netflix, HBO, and Spotify. - No international service fees
Make purchases and withdrawals abroad with zero foreign transaction fees, including destinations outside the Eurozone. - Cash advance without fees
Withdraw up to €400 monthly from ATMs on credit without paying the usual €4 + 4% withdrawal fee. - Seven insurance coverages
Includes travel insurance, card theft protection, medical assistance abroad, and unforeseen travel events — perfect for those on the move. - SmartDelay access
In case of flight delays over 1 hour, enjoy free access to over 1,300 airport lounges for you and one guest. - Petrol station freedom
No service fees when fueling up, making this card budget-friendly for drivers. - Digital-first experience
Upon approval, access a digital version of your card immediately, manage features through the app, and enjoy full control over spending and security. - Payment flexibility
Choose your payment day (11th or 20th of each month), and decide to pay the full balance or only a part (minimum 3%). - Installment options
Slice purchases over €75 into manageable payments. From March 1st to 31st, enjoy a 3-installment plan with 0.000% TAN, and options for 6 or 9 installments with TAN 9.900%.
These features combine practicality with lifestyle support, positioning the card as a powerful tool for managing everyday expenses and unexpected travel plans alike.
How to apply
Applying for the ActivoBank Gold Card is simple and streamlined through the bank’s digital platform. First, you’ll need to download the ActivoBank app if you’re not already a client. Once logged in, you can begin your credit card application directly within the app.
The interface will guide you through entering personal data, uploading required documents, and selecting your preferred credit limit and payment date.
After submitting your application, the bank conducts a credit evaluation to determine approval. If you’re accepted, your digital card will be issued immediately and made available in the app.
You’ll be able to see your card number, CVV, and expiration date — perfect for instant online use. The physical card is mailed shortly after for offline purchases and ATM withdrawals.
What’s more, ActivoBank offers full control of the card’s functionalities via app. You can toggle features like contactless payments, international usage, or online purchase permissions in seconds, making the experience secure and fully customizable.
If you’re targeting specific benefits such as the Pestana Hotels perks, you’ll just need to register with the Pestana Guest Club inside the app. Once enrolled, the card will automatically unlock discounts and exclusive hotel offers tied to that program.
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