Answer
Bayern Munich was the opponent in Bertrand's first Champions League final. This was in the 2011–12 season, when Bertrand was playing for Chelsea. The game was played at the Allianz Arena in Munich, Germany, and Bayern Munich won 4–1. Bertrand played the full 90 minutes for Chelsea, but they were unable to overcome the German side. This was Bertrand's first and only appearance in a Champions League final.