{"id":42016,"date":"2026-01-20T14:18:00","date_gmt":"2026-01-20T14:18:00","guid":{"rendered":"https:\/\/cursosparainiciantes.com.br\/2ff98174-6fce-48cf-be91-55ddd564ff0b\/"},"modified":"2026-01-20T14:18:23","modified_gmt":"2026-01-20T14:18:23","slug":"2ff98174-6fce-48cf-be91-55ddd564ff0b","status":"publish","type":"post","link":"https:\/\/cursosparainiciantes.com.br\/en\/2ff98174-6fce-48cf-be91-55ddd564ff0b\/","title":{"rendered":"Cetelem Black Plus Credit Card Review: Cashback Perks and Flexible Features"},"content":{"rendered":"<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">Recommended for you<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">Cetelem<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Flexible repayments, up to \u20ac10,000 limit, 3% cashback on key spend categories, and no annual fee. Great for everyday convenience. TAN 15.11%, APR 18.9%.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/cursosparainiciantes.com.br\/en\/redirect\/?https:\/\/www.cetelem.pt\/cartao-de-credito-black\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Apply now<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">You will be redirected to another website<\/small>\n<\/div>\n<p>Cetelem Black Plus Credit Card stands out as a versatile option for those seeking valuable rewards and everyday flexibility. The card offers a competitive interest rate with a TAN of 15.11% and an APR of 18.9%, providing clarity on overall credit costs. Cardholders can access a credit limit ranging from \u20ac500 to \u20ac10,000, accommodating both modest and higher spenders without an annual fee, making it highly accessible.<\/p>\n<p>Cashback lovers will particularly appreciate the 3% cashback rate, which applies to a range of essential categories \u2013 including ride-hailing services, streaming subscriptions, electric vehicle charging, supermarkets, petrol stations, and restaurants. The maximum cashback can reach up to \u20ac15 per month, or a total of \u20ac180 per year, putting real savings back into your pocket with normal, everyday spending. Additionally, card payments are accepted internationally thanks to Mastercard coverage.<\/p>\n<h3>How to Apply for the Cetelem Black Plus Card<\/h3>\n<ol>\n<li>Visit the official Cetelem application website.<\/li>\n<li>Choose your preferred credit limit within the \u20ac500 to \u20ac10,000 range.<\/li>\n<li>Select your desired monthly repayment percentage.<\/li>\n<li>Complete the online form with your details, submitting required documents.<\/li>\n<li>Wait for approval and, once accepted, activate your card for immediate use.<\/li>\n<\/ol>\n<h3>Main Benefits of Cetelem Black Plus<\/h3>\n<p>The strongest advantage is the flexible repayment, allowing you to select repayments from 3% to 100% of your outstanding balance. If you pay in full each month, you avoid interest altogether. Secondly, the digital experience is top-notch with a mobile app for card management, digital payments, and tracking your transactions \u2013 perfect for those who prefer to handle finances on the go. There&#039;s also no annual fee, further improving the card&#039;s overall value.<\/p>\n<h3>Drawbacks to Consider<\/h3>\n<p>Despite many perks, there are some limitations. The cashback is capped at \u20ac15 per month, so high spenders may find this restrictive. Also, the APR of 18.9% is not the lowest in the market; carrying a balance could get costly over time. Some specialty transactions, such as cash advances and international spending outside the EEA, may incur additional fees, depending on Cetelem&#039;s pricing policy.<\/p>\n<h3>Final Verdict<\/h3>\n<p>Cetelem Black Plus Credit Card is well-suited for users who value a strong digital experience, flexible payments, everyday rewards, and zero annual fees. However, paying off the full balance monthly is recommended to get the most value. If you&#039;re looking for a straightforward card with practical benefits and an easy application process, this could be an excellent choice for you.<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">Recommended for you<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">Cetelem<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Flexible repayments, up to \u20ac10,000 limit, 3% cashback on key spend categories, and no annual fee. Great for everyday convenience. TAN 15.11%, APR 18.9%.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/cursosparainiciantes.com.br\/en\/redirect\/?https:\/\/www.cetelem.pt\/cartao-de-credito-black\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Apply now<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">You will be redirected to another website<\/small>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Looking for a flexible credit card with 3% cashback and no annual fee? Discover the Cetelem Black Plus Credit Card\u2014pros, cons, and how to apply. Read the full review for South Africa.<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cetelem Black Plus Credit Card Review: Cashback Perks and Flexible Features - Cursos para iniciantes<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cursosparainiciantes.com.br\/en\/2ff98174-6fce-48cf-be91-55ddd564ff0b\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cetelem Black Plus Credit Card Review: Cashback Perks and Flexible Features - Cursos para iniciantes\" \/>\n<meta property=\"og:description\" content=\"Looking for a flexible credit card with 3% cashback and no annual fee? 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