Cards

BPI or BPI Prémio card: which is best?

Do you want to choose between the BPI or BPI Prémio card and don't know where to start? Be aware that both offer incredible advantages, such as international coverage and partner discounts. Compare your features here!

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Discover the best card for you among these BPI options

Logo BPI fundo branco
Decide which card to choose. Source: Youtube Banco BPI.

To choose between the BPI or BPI Prémio card, it is essential that you study them in depth in relation to the advantages and disadvantages they offer. So, get to know them!

Both cards belong to BPI bank. This, in turn, is a Portuguese banking institution. In addition to cards, it offers a current account, insurance and other very interesting and important financial products for everyday life.

Regarding cards, the BPI or BPI Prémio card stands out. They are two of the alternatives available and are very successful. Thus, they end up being the ones that attract the most attention from the public, who tend to be in doubt between the two.

But your problems in this regard are over! With the complete information we have provided about each credit tool, you can decide between them without any difficulty. So, keep reading and check it out!

BPI Credit Card

The BPI credit card uses contactless technology, its operating brand is Visa, which allows the use of the exclusive points program. See how to request here!

cartão de crédito BPI Prémio

BPI Prémio Credit Card

The BPI Prémio credit card has discount programs at partner stores, which allows up to 2% of discount on the purchase price. See how to request here!

BPIBPI Prize
Annuity20 Euros or free € 14 
Do you accept denial?UninformedUninformed
FlagVisa Visa
RoofInternationalInternational
BenefitsContactless payment, Visa International brand, debit and credit, possibility of not paying annual fees, partner discounts, possibility of taking out additional insuranceContactless payment, up to 2% of discounts on purchases, up to 15% of discounts at partners, Visa International brand, additional card with an annual fee of 4 Euros, benefits associated with the brand

BPI Prémio Card 

Cartão BPI Prémio fundo laranja e branco
What you need to know about the BPI Prémio card. Source: Banco BPI.

The BPI Prémio card, as the name suggests, is a Premium version of the credit cards offered by BPI. It offers debit and credit functions, and for the first it is linked to a current account.

Furthermore, it has the international Visa flag. This allows it to be used all over the world, as well as allowing purchases in cash or for payment when due or in installments. So, it is quite practical!

BPI Card

Logo BPI fundo rosa
Find out more about the BPI card. Source: Youtube Banco BPI.

On the other hand, the BPI credit card is simpler, but this does not mean that it does not have its advantages and highlights. It, like the previous card, is credit and debit and has the Visa International brand. From now on, its scope is clear.

It is also linked to a current account. And when it belongs to BPI, it is possible to waive the need to pay annual fees for both the card holder and one more. So, start off on the right foot!

Advantages of the BPI Prémio Card 

To know which is the best, it is interesting to know what the benefits and negative points of each of them are. Only then, after all, will it be possible to make a comparison.

So, let's start with the BPI Prémio card. Among the advantages it offers, the following stand out:

  • International Visa Flag;
  • Debit and credit function;
  • Contactless payment;
  • Possibility of contracting another card on the same account;
  • Benefits associated with the flag;
  • Up to 2% discount on purchases;
  • Up to 15% discount at BPI partners;
  • Possibility of taking out insurance jointly.

BPI Card Advantages

On the other hand, these are benefits that we identified in relation to the BPI credit card:

  • Contacless payment;
  • International Visa Flag;
  • Free annual fee (when signing up for a current account);
  • Partner discounts;
  • Possibility of jointly taking out insurance;
  • Cash Advance;
  • Free, interest-free credit for up to 50 days;
  • Free annual fee for up to 2 cards.

Disadvantages of the BPI Prémio Card 

Still, both BPI card models have their negative points. Therefore, they should log in to make a comparison and find out which is best for their life!

With regard to the BPI Prémio card, it is possible to mention the following as disadvantages:

  • Annual fee collection;
  • Exclusive for those residing in Portugal, so it is necessary to prove permanent residence in the Portuguese country;
  • There is no online membership. That is, to do so you need to go to a BPI branch and request the card to be issued in person.

Disadvantages of the BPI Card

On the other hand, the BPI card also has its negative points, of which the following stand out:

  • There are annual fees charged;
  • The card is exclusive to those who live in Portugal, once again, so it is essential to prove Portuguese residence (although it is not necessary to be a native of Portugal);
  • Adhering to the card is exclusively in person, and it is not possible to do so online;
  • To avoid paying an annual fee, you must join the BPI account.

BPI card or BPI Prémio card: which one to choose?

Now you know the main points about the BPI card and the BPI Prémio card. Therefore, the question may still remain: which one is better to do? What, then, should I request from BPI bank?

Well, remember that this is a personal choice. After all, it is necessary to take into account what you are looking for in a credit card, what your priorities are and what you consider essential.

Likewise, it is necessary to understand which one fits your profile, as it is not always possible to have access to a card that interests us, as they undergo credit analysis and other relevant issues.

Therefore, the choice, in the end, is yours. What you should do is compare the options, keeping in mind what you want and what you don't want on your card. Furthermore, it is interesting to have other alternatives at hand, such as the Millennium Caixa In card! Don't forget to get to know him and see if he's the solution for you!

Mão segurando cartão de crédito Caixa In; detalhe de teclado e mouse

How do I apply for the Caixa In credit card?

See what procedure is necessary to apply for the Caixa In credit card and thus have access to the card's numerous advantages!

About the author  /  Aline Augusto

My name is Aline Mesquita, I'm a writer here on the blog, where I write about finance in general, as well as other topics. I have been working with content creation for 10 years, with a postgraduate degree in Project Management, with expertise in SEO practices, in addition to studying finance, market trends and cryptocurrencies.

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