Cetelem Black Plus is a standout credit card that brings attractive benefits for users who want rewards and flexibility. This Mastercard offers up to €180 cashback per year (max €15/month) on key everyday spend categories like streaming, supermarkets, dining, and petrol. There is no annual card fee, making it a cost-effective option for those seeking value.

The interest rate is competitive, with a TAN of 15.03% and a TAEG of 18.8%. You can set a credit limit between €500 and €10,000, with repayment terms that suit your budget. Applications are processed 100% online, so you can apply quickly and begin using your card digitally without delay.

Cómo solicitar Cetelem Black Plus

• Go to the Cetelem Black Plus online application page.
• Complete sus datos personales y financieros según se le solicite.
• Select your desired credit limit (from €500 to €10,000).
• Choose your preferred monthly repayment rate.
• Submit required documents and complete verification.
• Await approval and receive your digital card for immediate use.

Pros of Cetelem Black Plus

The main highlights are the cashback across various sectors and absence of annual fees. Flexible repayments (as low as 3% of balance) make budget management easier.

Enjoy digital payment options and full card management through your phone, making everyday transactions both secure and convenient for modern users.

Cons of Cetelem Black Plus

Like most credit cards, carrying balances will incur interest charges at a TAEG of 18.8%, which can add up over time if not paid in full.

Cashback is capped at €15 per month, so high spenders may find the reward limit restrictive when compared to cards with uncapped rewards.

Verdict: Is Cetelem Black Plus Right for You?

Cetelem Black Plus strikes a solid balance between everyday value and flexibility. Cashback on essentials and no annual fee make it ideal for budget-conscious spenders.

You’ll benefit the most if you repay your balance in full and keep spending within the cashback categories. Digital card controls add an extra layer of convenience and safety.