# What Are the Best Credit Cards for Students in Portugal? (2026) > The cards a student in Portugal can actually get with no income and no credit file, ranked with the weighting published. By Jules de Bruin · URL: https://www.how-to-portugal.com/finance/credit-cards/best-for-students Updated August 2026. Get the **Cartão Caixa ISIC** at **EUR 18 a year**. A student has no **income proof** and no **credit file**, so the ranking is decided by who says yes and what the first card costs, not by rewards. The student and under-30 cards waive the annual fee; a fintech debit card covers online payments from day one while the application runs. Whatever you pick, never carry revolving credit at Portuguese card rates, which run near **18 to 19% TAEG**. ## Which credit card is the best for students? ★ Student pick ### Cartão Caixa ISIC 5.0Student fit 5 of 5. The student credit card in Portugal EligibilityPortuguese IBAN required[Get the Caixa Geral de Depósitos card](https://www.cgd.pt/Particulares/Cartoes/Pages/Cartoes-Estudantes.aspx)Cards(4) - Cartão Caixa INEUR 12.00/yrrevolving credit / annual fee · 19% TAEG · above 1% abroad - Cartão Caixa ISICOur pick hereEUR 18.00/yrcredit / annual fee · Above 1% abroad - Caixa ClassicEUR 18.00/yrrevolving credit / annual fee · 17.5% TAEG · above 1% abroad - Cartão Miles & More ClassicEUR 25.00/yrrevolving credit / annual fee · 18.8% TAEG · above 1% abroad Fees as of August 2026, verify on the issuer's price list. More detailsAnnual feeEUR 18.00/yrAnnual feeEUR 18.00/yrAPR?APR The yearly cost of carrying a balance, interest plus fees (TAEG). It only bites if you do not repay in full, and it compounds fast. n/aCost abroadAbove 1%Network?Network The card scheme that moves the payment: Visa, Mastercard, or American Express. It decides where the card is accepted, not who issues it. VisaPortuguese IBAN?Portuguese IBAN Whether the product needs a bank account with a Portuguese (PT50) IBAN. Foreign-IBAN accounts are legal to use, but some billers still reject them. RequiredBest for students who want the safest yes. Also great ### Cartão Millennium Go! 4.0Student fit 4 of 5. The best free card for a young student with a Millennium account EligibilityPortuguese IBAN required[Get the Millennium bcp card](https://www.millenniumbcp.pt/particulares/cartoes)Cards(4) - Cartão Millennium Go!Our pick hereFreerevolving credit / annual fee · 15.5% TAEG · above 1% abroad - Cartão Classic Millennium bcpEUR 10.40/yrrevolving credit / annual fee · 15.7% TAEG · above 1% abroad - Millennium ClassicEUR 10.40/yrrevolving credit / annual fee · 15.7% TAEG · above 1% abroad - Cartão Millennium Gold PrestigeEUR 31.20/yrrevolving credit / annual fee · 18.8% TAEG · above 1% abroad Fees as of August 2026, verify on the issuer's price list. Annual fee FreeMore detailsAnnual feeFreeAPR?APR The yearly cost of carrying a balance, interest plus fees (TAEG). It only bites if you do not repay in full, and it compounds fast. 15.5% TAEGCost abroadAbove 1%Network?Network The card scheme that moves the payment: Visa, Mastercard, or American Express. It decides where the card is accepted, not who issues it. VisaPortuguese IBAN?Portuguese IBAN Whether the product needs a bank account with a Portuguese (PT50) IBAN. Foreign-IBAN accounts are legal to use, but some billers still reject them. RequiredBest for students who need a different issuer. Best value ### Cartão FNAC 4.0Student fit 4 of 5. Free, tech-focused instalments and 2% cashback suit students with income EligibilityNo Portuguese IBAN neededSupportEnglish support is limited[Get the Cetelem card](https://www.fnac.pt/cartaocreditofnac-cetelem)Cards(3) - Cetelem Black PlusFreerevolving credit / annual fee · 19% TAEG · above 1% abroad - Cartão de Crédito Banco CTTFreerevolving credit / annual fee · 18.9% TAEG · above 1% abroad - Cartão FNACOur pick hereFreerevolving credit / annual fee · 19% TAEG · above 1% abroad Fees as of August 2026, verify on the issuer's price list. Annual fee FreeMore detailsAnnual feeFreeAPR?APR The yearly cost of carrying a balance, interest plus fees (TAEG). It only bites if you do not repay in full, and it compounds fast. 19% TAEGCost abroadAbove 1%Network?Network The card scheme that moves the payment: Visa, Mastercard, or American Express. It decides where the card is accepted, not who issues it. Mastercard/MultibancoPortuguese IBAN?Portuguese IBAN Whether the product needs a bank account with a Portuguese (PT50) IBAN. Foreign-IBAN accounts are legal to use, but some billers still reject them. Not requiredBest for students who need a different issuer. **This ranking differs from the general one.** The general page picks **Cartão Unibanco Clássico**. The reason is the weighting, not new information: **Eligibility** moves from **15%** to **40%** and **Cost abroad** moves from **25%** to **10%**. ## Compare two providers Already down to two? Each comparison declares a winner on every criterion that decides the purchase. [Revolut vs N26](/finance/revolut-vs-n26)[Revolut vs MoeyRevolut wins 1 of the 5 computed criteria, moey! wins 0.](/finance/compare/revolut-vs-moey)[ActivoBank vs BankinterOn the structured fields these two are effectively tied: same fee, same protection band.](/finance/compare/activobank-vs-bankinter)[CGD vs Millennium bcpCaixa Geral de Depósitos wins 1 of the 5 computed criteria, Millennium BCP wins 0.](/finance/compare/cgd-vs-millennium-bcp)[Santander vs NovobancoSantander Portugal wins 3 of the 6 computed criteria, Novo Banco wins 0.](/finance/compare/santander-vs-novobanco)[Moey vs ActivoBankActivoBank wins 1 of the 5 computed criteria, moey! wins 0.](/finance/compare/moey-vs-activobank)[Wise vs RevolutRevolut wins 2 of the 5 computed criteria, Wise wins 0.](/finance/compare/wise-vs-revolut)[Banco CTT vs ActivoBankActivoBank wins 2 of the 5 computed criteria, Banco CTT wins 0.](/finance/compare/banco-ctt-vs-activobank)[Openbank vs N26On the structured fields these two are effectively tied: same fee, same protection band.](/finance/compare/openbank-vs-n26)[SMB vs Moeymoey! wins 1 of the 5 computed criteria, All deposit-taking institutions wins 0.](/finance/compare/smb-vs-moey)[Revolut Business vs Novobanco NegócioNovo Banco wins 1 of the 5 computed criteria, Revolut Business wins 0.](/finance/compare/revolut-business-vs-novobanco-negocio)How we ranked this for students5 criteria, weights publishedA reader on a student budget is not the average reader, so this page does not use the average weights. **Eligibility** carries **40%** here against **15%** on the general ranking, and **Cost abroad** carries **10%** here against **25%** on the general ranking. The weights were fixed on **17 August 2026**, before the prices were collected. ### Criteria weighting Fixed 17 August 2026, before pricing was collectedEligibility*IBAN, address and income checks that rule cards out*****15%40%Annual fee*What holding the card costs every year*****30%30%Cost abroad*FX margin and ATM fees outside the euro area*****25%10%English support*App, contract and helpline language*****10%15%Rewards*Cashback or miles, net of their conditions*****20%5%** General ranking** This pageWeights total 100% on both. A blocker caps any score at 1.0. ## What is ruled out, and why A blocker is not a drawback. It is something that makes the card unobtainable for this reader, however good its terms are otherwise. Blocked for this reader Cartão Unibanco ClássicoRequires proof of local income, which a student does not haveWiZink FlexRequires proof of local income, which a student does not haveCartão Universo+Requires proof of local income, which a student does not haveCetelem Black PlusRequires proof of local income, which a student does not have ## What counts as student proof here Student and youth cards gate on **age** or on **enrolment proof**: a matrícula declaration from your institution, or simply being under the age cap. They do not run the income checks the standard cards run, which is exactly why they are the answer on this page. You will still need a Portuguese **IBAN** for most of them, which a student account provides for free at nearly every bank. ## Every card we compared [View all 58 cardsThe full market overview: every card from every issuer with its annual fee, APR and cost abroad, filterable and re-rankable.→](/finance/credit-cards-price-research) ## How we compared these Five criteria, weighted for this reader and published above, fixed before the fees were collected. Every fee comes from the issuer's own price list, dated in the catalogue. Of the 58 cards, 8 are obtainable by students. Sources: issuer price lists and Banco de Portugal, accessed 18 August 2026. Some links earn a commission at the same rate for every issuer, so no weighting favours a payer. --- Source: https://www.how-to-portugal.com/finance/credit-cards/best-for-students Last updated: n/a Format: LLM-readable Markdown twin (.md) of the canonical HTML page.