How to Apply for Lidl Credit Card at Portugal

If you shop regularly at Lidl, learning how to apply for Lidl Credit Card in Portugal can help you unlock extra savings and perks. 

This guide outlines the complete application process, the required documents, and key benefits. 

Whether you apply online or in-store, it’s easy to follow if you meet the basic criteria.

Main Features of the Lidl Credit Card

Here are the main features you should know before applying for the Lidl Credit Card.

These benefits are designed to make shopping easier, more rewarding, and better suited to your everyday needs.

• Exclusive Discounts: Cardholders can access promotions and receive cash back on Lidl purchases and select partner stores.
• No Annual Fee (varies by issuer): Some Lidl credit cards in Portugal are issued with no yearly fee, depending on the partner bank.
• Contactless Payments: You can tap to pay securely at Lidl and most other retail stores that accept credit cards.
• Fuel Discounts: Some card programs offer savings on fuel at partner gas stations.
• Installment Payment Option: Purchases can often be split into monthly installments, depending on the issuer’s terms.
• Online Account Management: Utilize a mobile app or online portal to track expenses, set spending limits, and manage your card conveniently.

Interest Rates and Fees

Here’s a clear look at the interest rates and fees you should know before applying:

• Nominal APR (TAN): Approximately 15.44%, based on a €1,500 credit limit repaid over 12 months.
• Effective APR (TAEG): Includes all costs and is approximately 15.44% for the same repayment model.
• Annual Fee: None—you won’t pay a yearly card maintenance charge.
• Cash Advance Fee: Standard fees apply for ATM withdrawals—check your issuer’s price list.
• Foreign Transaction Fees: Purchases in non-Euro currencies may incur fees at the bank’s current rate.

These rates reflect typical terms for a 12-month repayment plan. Fees may vary based on credit limit and chosen installment option. 

Always review the issuer’s most recent fee schedule before applying.

Eligibility Requirements

Before applying, it’s essential to verify if you meet the basic eligibility criteria. These requirements help determine if you're likely to be approved.

• Age 18 or older: You must be a legal adult to be eligible for this application.
• Portuguese residency: You must reside in Portugal and provide valid proof of address.
• Valid NIF (tax number): This is required for identification and financial records.
• Regular income: You should be employed or show proof of a stable financial source.
• Good credit history: While not always mandatory, a clean credit record improves approval chances.

Required Documents

To complete your application, you’ll need to present a few key documents. These are used to verify your identity, address, and financial stability.

• Valid ID: A Citizen Card or Passport to confirm your identity.
• Portuguese Tax Number (NIF): Required for all financial applications in Portugal.
• Proof of Address: A recent utility bill or official letter with your name and address.
• Proof of Income: Recent payslips, employment contracts, or bank statements showing regular deposits.
• Contact Details: A valid phone number and email address for communication and verification.

Step-by-Step Application Process

Applying for the Lidl Credit Card is simple and can be done either online or through a bank partner. 

Here's a step-by-step breakdown to help you through the process.

1. Choose the Issuer: The Lidl Credit Card is offered through partners, such as Banco Cetelem. Apply online or get a link at a Lidl store.
2. Fill Out the Application Form: Provide your info, NIF, income details, and contact information. Make sure everything is accurate.
3. Upload the Required Documents: Submit copies of your ID, proof of income, and proof of address as requested.
4. Submit the Application: After reviewing all details, click submit. You may get a confirmation message or reference number.
5. Wait for Approval: The bank will process your application, usually within a few business days. You’ll be notified by email or phone.

Application Review and Approval

Once you've submitted your application, the bank will begin reviewing your information. 

This step ensures that all your details and documents meet their approval criteria.

1. Processing Time: Most applications are reviewed within 3-7 business days.
2. Document Check: The bank will verify your ID, income proof, and address documents.
3. Credit Assessment: Your financial history may be checked to evaluate your ability to repay.
4. Additional Contact: You may receive a call or email for clarification or further information.
5. Approval Notification: If approved, you’ll get a confirmation message and details about card delivery.

Receiving and Activating the Card

After your application is approved, the final steps involve receiving and activating your card. Here's what you need to know to start using it.

• Card Delivery: The credit card is mailed to your registered address, usually within 5 to 10 business days.
• Secure Packaging: It arrives in a sealed envelope with activation instructions and your cardholder agreement.
• Activation Methods: You can activate the card through the issuer’s website, mobile app, or by calling customer service.
• PIN Setup: You’ll be asked to create or confirm your PIN during activation.
• First Use: After activation, your card is ready for use in stores, online, or at ATMs, depending on your credit limit.

Managing Your Lidl Credit Card

Once your card is active, managing it properly helps you avoid late fees and stay on top of your spending. Here are the primary tools and options available.

• Online Banking Access: Log in to the bank's portal to view statements, transactions, and due dates.
• Mobile App: Use the app to check your balance, make payments, and receive alerts in real-time.
• Automatic Payments: Set up recurring payments to ensure you never miss a monthly bill.
• Spending Limits: Adjust limits or temporarily block the card through your account as needed.
• Customer Support: For assistance with billing, disputes, or card replacement, please get in touch with the bank's support team.

Rewards Program and Redemption 

You can earn rewards every time you use the card. These benefits help you save money or redeem perks based on your spending.

• Cashback (up to €180/year): Earn 3% back on spending in key categories, capped at €15 monthly and €180 per year.
• No Annual Fee: The card typically comes with no annual fee, making it easy to collect rewards without incurring extra costs.
• Flexible Redemption: Cashback is automatically applied to your balance or statement. You can also convert it to rewards or offset future purchases.
• Partner Offers: Keep an eye out for special promotions or partner deals (e.g., enhanced rates at fuel stations or online services).
• Digital Integration: Manage and track your earned rewards in real-time through your issuer’s app or online portal.

Contact Information

You can reach out directly for questions, help with your application, or card management issues:

• Phone (Apoio ao Cliente): 21 721 90 00 (available weekdays 09:00–20:00)
• Customer Service (specialized hotline): 21 721 90 05 (weekdays 09:00–20:00; Saturdays 10:00–18:00)
• Postal Address: BNP Paribas Personal Finance, Avenida Embaixador António César de Almeida 8, 1600-681 Lisbon, Portugal.

To Conclude

Applying for the Lidl Credit Card in Portugal is simple if you meet the basic requirements and have the proper documents. 

With benefits like cashback, no annual fee, and easy account management, it’s a wise choice for regular shoppers. 

If you're eligible, start your application today to take advantage of its full benefits.

Disclaimer

Information provided in this article is for general guidance only and may change based on the issuing bank’s terms. 

Always review the latest official details from Banco Cetelem or Lidl before applying.