{"id":241,"date":"2020-09-22T01:17:02","date_gmt":"2020-09-22T01:17:02","guid":{"rendered":"http:\/\/creditoportugues.com\/?p=241"},"modified":"2026-04-08T17:25:20","modified_gmt":"2026-04-08T17:25:20","slug":"cartao-de-credito-classic-do-banco-montepio-o-cartao-que-isenta-taxas-de-comissao","status":"publish","type":"post","link":"https:\/\/creditoportugues.com\/wp-backup\/cartao-de-credito-classic-do-banco-montepio-o-cartao-que-isenta-taxas-de-comissao\/","title":{"rendered":"Cart\u00e3o de Cr\u00e9dito Classic do Banco Montepio: o cart\u00e3o que isenta taxas de comiss\u00e3o. &#8211; TAEG 12.2%"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Cart\u00e3o de Cr\u00e9dito Classic do Banco Montepio<\/h2>\n\n\n\n<p>\u00c9 um cart\u00e3o com Bandeira Visa, que permite&nbsp; efetuar compras, pagamentos, utilizar o sistema Cash Advance e que tamb\u00e9m oferece ao&nbsp; usu\u00e1rio diversas vantagens entre elas, a isen\u00e7\u00e3o de taxas mediante suas compras. <\/p>\n\n\n\n<p>Comiss\u00e3o&nbsp; mensal de disponibiliza\u00e7\u00e3o para este cart\u00e3o de cr\u00e9dito \u00e9 de 1,50\u20ac, entretanto, se o cart\u00e3o tiver&nbsp; um m\u00ednimo acumulado de 150\u20ac, no m\u00eas seguinte haver\u00e1 isen\u00e7\u00e3o da comiss\u00e3o de&nbsp; disponibiliza\u00e7\u00e3o.&nbsp;<\/p>\n\n\n\n<p>E tem mais vantagens bem interessantes para si. Al\u00e9m da isen\u00e7\u00e3o de comiss\u00e3o de disponibiliza\u00e7\u00e3o, h\u00e1 ainda a oportunidade de ades\u00e3o do Pacote de Seguros e Servi\u00e7os, pelo&nbsp; valor de 13,50 \u20ac por ano que inclui, entre outros produtos e seguros, o seguro de bilheteira e&nbsp; assist\u00eancia em viagem, se tiver sido pago com o cart\u00e3o Classic Montepio.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pacote e Servi\u00e7os do Cart\u00e3o de Cr\u00e9dito Classic Montepio&nbsp;<\/strong><\/h2>\n\n\n<div class=\"lazyblock-cartao-como-solicitar-14RwhP wp-block-lazyblock-cartao-como-solicitar\"><style>\n.cp-card-pro {\n  display: flex;\n  flex-direction: column;\n  border: 1px solid #E8E8E8;\n  border-radius: 16px;\n  overflow: hidden;\n  width: 100%;\n  box-shadow: 0 4px 24px rgba(0, 0, 0, 0.07);\n  background: #ffffff;\n  box-sizing: border-box;\n  margin-bottom: 24px;\n}\n\n.cp-card-pro__image-wrap {\n  background: linear-gradient(135deg, #fff5f5 0%, #f0fff4 100%);\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  padding: 32px 24px;\n}\n\n.cp-card-pro__image-wrap img {\n  width: 100%;\n  max-width: 220px;\n  height: auto;\n  display: block;\n  filter: drop-shadow(0 8px 16px rgba(232, 35, 42, 0.12));\n}\n\n.cp-card-pro__content {\n  padding: 24px 20px;\n  display: flex;\n  flex-direction: column;\n  gap: 14px;\n}\n\n.cp-card-pro__label {\n  font-size: 11px;\n  text-transform: uppercase;\n  letter-spacing: 0.09em;\n  color: #999;\n  font-weight: 600;\n}\n\n.cp-card-pro__title {\n  font-size: 1.25rem;\n  font-weight: 700;\n  margin: 0;\n  color: #1a1a1a;\n  line-height: 1.3;\n}\n\n.cp-card-pro__attributes {\n  display: flex;\n  gap: 8px;\n  flex-wrap: wrap;\n}\n\n.cp-card-pro__tag {\n  border-radius: 20px;\n  padding: 5px 14px;\n  background: #E8F9EA;\n  color: #1A7A2E;\n  font-size: 12px;\n  font-weight: 600;\n  border: 1px solid #A8DFB0;\n}\n\n.cp-card-pro__description {\n  font-size: 14px;\n  color: #555;\n  line-height: 1.65;\n  margin: 0;\n}\n\n.cp-card-pro__footer {\n  display: flex;\n  flex-direction: column;\n  align-items: stretch;\n  gap: 8px;\n  margin-top: 4px;\n}\n\n.cp-card-pro__cta {\n  display: block;\n  border-radius: 10px;\n  padding: 13px 28px;\n  background: #2DB84B;\n  color: #ffffff;\n  text-decoration: none;\n  font-size: 14px;\n  font-weight: 700;\n  text-align: center;\n  transition: background 0.2s ease, transform 0.15s ease;\n  box-sizing: border-box;\n}\n\n.cp-card-pro__cta:hover {\n  background: #229B3D;\n  color: #ffffff;\n  transform: translateY(-2px);\n}\n\n.cp-card-pro__note {\n  font-size: 11px;\n  color: #bbb;\n  text-align: center;\n  margin: 0;\n}\n\n@media (min-width: 768px) {\n  .cp-card-pro {\n    flex-direction: row;\n    min-height: 260px;\n  }\n\n  .cp-card-pro__image-wrap {\n    width: 36%;\n    flex-shrink: 0;\n    padding: 40px 32px;\n  }\n\n  .cp-card-pro__content {\n    flex: 1;\n    padding: 32px 40px;\n    justify-content: center;\n  }\n\n  .cp-card-pro__title {\n    font-size: 1.5rem;\n  }\n\n  .cp-card-pro__footer {\n    align-items: flex-start;\n  }\n\n  .cp-card-pro__cta {\n    display: inline-block;\n    width: auto;\n  }\n\n  .cp-card-pro__note {\n    text-align: left;\n  }\n}\n<\/style>\n\n<div class=\"cp-card-pro\">\n  <div class=\"cp-card-pro__image-wrap\">\n    <img decoding=\"async\" src=\"https:\/\/creditoportugues.com\/wp-content\/uploads\/2022\/12\/montepioclassic.jpg\" alt=\"CART\u00c3O CLASSIC\" loading=\"lazy\" \/>\n  <\/div>\n  <div class=\"cp-card-pro__content\">\n    <span class=\"cp-card-pro__label\">CART\u00c3O DE CR\u00c9DITO<\/span>\n    <h3 class=\"cp-card-pro__title\">CART\u00c3O CLASSIC<\/h3>\n    <div class=\"cp-card-pro__attributes\">\n      <span class=\"cp-card-pro__tag\">0\u20ac DE COMISS\u00c3O<\/span>\n      <span class=\"cp-card-pro__tag\">CR\u00c9DITO IMEDIATO <\/span>\n    <\/div>\n    <p class=\"cp-card-pro__description\">Mais liberdade nos momentos do seu dia a dia.<\/p>\n    <div class=\"cp-card-pro__footer\">\n      <a href=\"https:\/\/creditoportugues.com\/cartao-de-credito\/como-aderir-ao-seu-cartao-classic-montepio\/\" class=\"cp-card-pro__cta\">VER COMO ADERIR \u279d<\/a>\n      <p class=\"cp-card-pro__note\">Permanecer\u00e1s no s\u00edtio atual<\/p>\n    <\/div>\n  <\/div>\n<\/div><\/div>\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"lazyblock-bloco-de-links-a8rVB wp-block-lazyblock-bloco-de-links\"><style>\n.cp-links {\n  width: 100%;\n  box-sizing: border-box;\n  padding-bottom: 24px;\n}\n.cp-links__title {\n  font-size: 1rem;\n  font-weight: 700;\n  color: #1a1a1a;\n  margin: 0 0 12px;\n}\n\n.cp-links__grid {\n  display: grid;\n  grid-template-columns: 1fr;\n  gap: 8px;\n}\n\n.cp-links__item {\n  display: block;\n  background: #E8F9EA;\n  border: 1px solid #A8DFB0;\n  border-radius: 10px;\n  padding: 12px 14px;\n  font-size: 13px;\n  color: #1a1a1a;\n  text-decoration: none;\n  transition: background 0.2s ease, transform 0.15s ease;\n  box-sizing: border-box;\n}\n\n.cp-links__item:hover {\n  background: #d0f0d5;\n  color: #1a1a1a;\n  transform: translateX(3px);\n}\n\n@media (min-width: 768px) {\n  .cp-links__grid {\n    grid-template-columns: 1fr 1fr;\n  }\n}\n<\/style>\n\n<div class=\"cp-links\">\n  <h3 class=\"cp-links__title\">Conte\u00fado Recomendado<\/h3>\n  <div class=\"cp-links__grid\">\n    <a href=\"https:\/\/creditoportugues.com\/cartao-de-credito\/caixa-in\/\" class=\"cp-links__item\">CR\u00c9DITO S\/ JUROS \u279d<\/a>\n    <a href=\"https:\/\/creditoportugues.com\/cartao-de-credito\/ctt\/\" class=\"cp-links__item\">FRACIONAMENTO \u279d<\/a>\n    <a href=\"https:\/\/creditoportugues.com\/cartao-de-credito\/activobank\/\" class=\"cp-links__item\">INTERNACIONAL \u279d<\/a>\n    <a href=\"https:\/\/creditoportugues.com\/cartao-de-credito\/millennium-platinum\/\" class=\"cp-links__item\">PONTOS E MILHAS \u279d<\/a>\n  <\/div>\n<\/div><\/div>\n\n\n<p>O Pacote de Seguros e Servi\u00e7os proporciona tamb\u00e9m aux\u00edlio jur\u00eddico e apoio de sa\u00fade, caso&nbsp; haja necessidade.&nbsp;<\/p>\n\n\n\n<p>Em viagens, o Pacote de Seguros e Servi\u00e7os disponibiliza apoio financeiro para problemas com&nbsp; a sua bagagem, atraso de voo, perdas de liga\u00e7\u00e3o; despesas m\u00e9dicas se o cliente precisar de&nbsp; consultas, internamentos, rem\u00e9dios e, at\u00e9 mesmo o regresso ao pa\u00eds de origem.&nbsp;<\/p>\n\n\n\n<p><strong>Pagamentos, taxas e utiliza\u00e7\u00e3o do Cart\u00e3o de Cr\u00e9dito Classic Montepio&nbsp;<\/strong><\/p>\n\n\n\n<p>A Taxa Anual Efectiva Global -TAEG utilizada por este cart\u00e3o \u00e9 de: 12,2%&nbsp;<\/p>\n\n\n\n<p>Para o pagamento, o Cart\u00e3o Classic possui tr\u00eas modalidades de pagamento dispon\u00edveis, que&nbsp; podem ser escolhidas pelo usu\u00e1rio em qualquer ciclo de pagamento:&nbsp;<\/p>\n\n\n\n<p>1. Pagamento Total. Esta modalidade de pagamento pode ser realizada em sua &nbsp;totalidade do saldo em d\u00edvida. E, devido ao pagamento integral, n\u00e3o h\u00e1 cobran\u00e7a de &nbsp;taxa de juros.&nbsp;<\/p>\n\n\n\n<p>2. Pagamento Parcial. Nesta modalidade, o cliente efetua o pagamento de parte do&nbsp; saldo em d\u00edvida no cart\u00e3o que pode ser entre 5% e 95%. Por ser uma modalidade de&nbsp; pagamento parcial, h\u00e1 juros e o mesmo \u00e9 calculado \u00e0 taxa mensal de 0,67%, sobre o&nbsp; montante restante em d\u00edvida.&nbsp;<\/p>\n\n\n\n<p>3. Pagamento por Montante fixo. Tamb\u00e9m nesta modalidade de pagamento, h\u00e1&nbsp; incid\u00eancia de juros. O que difere do pagamento de percentagem \u00e9 que n\u00e3o se escolhe&nbsp; uma percentagem e sim um valor fixo para pagamento. Este valor n\u00e3o pode ser&nbsp; menor a 15% do limite de cr\u00e9dito.&nbsp;<\/p>\n\n\n\n<p>E, mesmo que a modalidade escolhida seja parcial, m\u00f3dulo de percentagem ou valor fixo,&nbsp; havendo interesse, dentro do mesmo ciclo da fatura, o pagamento adicional pode ser feito.&nbsp; Esta possibilidade minimiza os juros no c\u00e1lculo final, pois pagando mais, menos sobra para o&nbsp; m\u00eas seguinte e, consequentemente menos juros \u00e9 cobrado, uma vez que o saldo em d\u00edvida,&nbsp; torna-se menor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Taxas diferenciadas para clientes Banco Montepio<\/strong><\/h2>\n\n\n\n<p>As taxas cobradas diferem entre os clientes Banco Montepio e clientes do Banco Montepio&nbsp; associados da Associa\u00e7\u00e3o Mutualista Montepio.&nbsp;<\/p>\n\n\n\n<p>Para a comiss\u00e3o mensal de disponibiliza\u00e7\u00e3o de Cart\u00e3o de Cr\u00e9dito Classic \u00e9 taxa cobrada \u00e9 de 1,50\u20ac, mas, clientes do Banco Montepio associados da Associa\u00e7\u00e3o Mutualista Montepio,&nbsp; pagam apenas 1,10\u20ac.&nbsp;<\/p>\n\n\n\n<p>No caso da utiliza\u00e7\u00e3o em compras, pagamentos, servi\u00e7os ou atrav\u00e9s do sistema de&nbsp; adiantamento de numer\u00e1rio, o Cash Advance, quando gasto, no m\u00eas anterior 150\u20ac, a comiss\u00e3o&nbsp; mensal de disponibiliza\u00e7\u00e3o de cart\u00e3o de cr\u00e9dito seguinte, \u00e9 gratuita.&nbsp;<\/p>\n\n\n\n<p>A Taxa Anual de Encargos Efetiva Global \u2013TAEG cobrada \u00e9 12,2% para clientes do Banco&nbsp; Montepio e 11,5% para clientes do Banco Montepio associados da Associa\u00e7\u00e3o Mutualista&nbsp; Montepio.&nbsp;<\/p>\n\n\n\n<p>A TAN de 8,000%, que \u00e9 a cobran\u00e7a da Comiss\u00e3o Anual de disponibiliza\u00e7\u00e3o de cart\u00e3o de&nbsp; cr\u00e9dito, o valor cobrado \u00e9 de 18,00\u20ac para clientes do Banco Montepio e 13,20\u20ac para clientes&nbsp; do Banco Montepio associados da Associa\u00e7\u00e3o Mutualista Montepio.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Parcelamento de Compras com Classic Montepio&nbsp;<\/strong><\/h2>\n\n\n\n<p>O Cart\u00e3o de Cr\u00e9dito Classic Montepio oferece controlo de suas despesas, faseando suas&nbsp; compras em 3, 6, 9 ou 12 meses. O faseamento pode ser efetivado pelo balc\u00e3o ou servi\u00e7o&nbsp; Net24.&nbsp;<\/p>\n\n\n\n<p>E o mais interessante \u00e9 que esta opera\u00e7\u00e3o pode ser alterada, amortizada, cancelada a&nbsp; qualquer instante, at\u00e9 o fechamento do ciclo, podendo liquidar o saldo em d\u00edvida, alterar o&nbsp; n\u00famero de parcelas ou se bem quiser, continuar com a opera\u00e7\u00e3o faseada, desde que o&nbsp; montante a ser parcelado seja igual ou superior a 90\u20ac.&nbsp;<\/p>\n\n\n\n<p>A TAEG m\u00e1xima para esta opera\u00e7\u00e3o \u00e9 de 15,5%<\/p>\n\n\n\n<p><a href=\"https:\/\/creditoportugues.com\/cartao-de-credito\/abanca-gold\/\">Veja Mais Op\u00e7\u00f5es.<\/a><\/p>\n\n\n\n<p><strong>Aten\u00e7\u00e3o: O Cr\u00e9dito Portugu\u00eas n\u00e3o faz avalia\u00e7\u00f5es de cr\u00e9dito e nem realiza empr\u00e9stimos. O intuito do site \u00e9 s\u00f3 divulgar os produtos e servi\u00e7os oferecidos pelas institui\u00e7\u00f5es financeiras<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Conhe\u00e7a as taxas aplic\u00e1veis, como s\u00e3o calculadas e o impacto real no custo total do financiamento.<\/p>\n","protected":false},"author":3,"featured_media":12189,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","_themeisle_gutenberg_block_has_review":false,"footnotes":""},"categories":[23],"tags":[],"class_list":["post-241","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cartao-de-credito"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cart\u00e3o de Cr\u00e9dito Classic do Banco Montepio: o cart\u00e3o que isenta taxas de comiss\u00e3o. - TAEG 12.2% - Cr\u00e9dito Portugu\u00eas<\/title>\n<meta name=\"description\" content=\"Saiba tudo sobre cart\u00f5es de cr\u00e9dito em Portugal: como escolher, comparar taxas, benef\u00edcios e condi\u00e7\u00f5es dos principais bancos e financeiras do mercado nacional.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/creditoportugues.com\/wp-backup\/cartao-de-credito-classic-do-banco-montepio-o-cartao-que-isenta-taxas-de-comissao\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cart\u00e3o de Cr\u00e9dito Classic do Banco Montepio: o cart\u00e3o que isenta taxas de comiss\u00e3o. - TAEG 12.2% - Cr\u00e9dito Portugu\u00eas\" \/>\n<meta property=\"og:description\" content=\"Saiba tudo sobre cart\u00f5es de cr\u00e9dito em Portugal: como escolher, comparar taxas, benef\u00edcios e condi\u00e7\u00f5es dos principais bancos e financeiras do mercado nacional.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/creditoportugues.com\/wp-backup\/cartao-de-credito-classic-do-banco-montepio-o-cartao-que-isenta-taxas-de-comissao\/\" \/>\n<meta property=\"og:site_name\" content=\"Cr\u00e9dito Portugu\u00eas\" \/>\n<meta property=\"article:published_time\" content=\"2020-09-22T01:17:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-08T17:25:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/creditoportugues.com\/wp-backup\/wp-content\/uploads\/2020\/07\/CP-Imagens-Artigos-32-jpg.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"360\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mariza Carddoso\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mariza Carddoso\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. tempo de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/creditoportugues.com\\\/wp-backup\\\/cartao-de-credito-classic-do-banco-montepio-o-cartao-que-isenta-taxas-de-comissao\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/creditoportugues.com\\\/wp-backup\\\/cartao-de-credito-classic-do-banco-montepio-o-cartao-que-isenta-taxas-de-comissao\\\/\"},\"author\":{\"name\":\"Mariza Carddoso\",\"@id\":\"https:\\\/\\\/creditoportugues.com\\\/wp-backup\\\/#\\\/schema\\\/person\\\/58fd819ee3944790cb450e1b634b8c3c\"},\"headline\":\"Cart\u00e3o de Cr\u00e9dito Classic do Banco Montepio: o cart\u00e3o que isenta taxas de comiss\u00e3o. &#8211; 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