A bank credit card is a type of credit card issued by a bank or financial institution and used by the holder to make payments in stores and points of sale in order to purchase goods and services without carrying cash. With each payment, a reminder is issued by the point of sale to allow any control activity.
Bank cards also have the function of withdrawing cash from ATMs enabled for the same international circuit as the card. At the end of each month, the issuing company summarizes the expense transactions in detail on the monthly credit card statement and charges the amounts to the credit card holder's account the following month. Here are 6 credit cards offered by the biggest banks:
1. Ourocard Fácil Credit Card – Banco do Brasil
This credit card offered by Banco do Brasil is an international card with no annual fee. It is an ideal credit card for those who need security and ease when making purchases in Brazil or abroad.
However, in order for your card to be exempt from the annual fee, as described, you must accumulate R$$100.00 in purchases every month using the credit function, with a minimum payment of R$$100.00 every month as well. Despite this, you can apply for your card whether you are a current account holder or not.
The Ourocard Fácil Credit Card has several advantages. In addition to not paying an annual fee and not needing to have a checking account, you also get discounts on shows and exclusive promotions. It is accepted abroad and after requesting your Ourocard Fácil, you can generate your virtual card and use it. In addition, it also has a contactless payment system.
2. Bradesco Neo Credit Card – Bradesco
With this credit card, when you accumulate R$50 in expenses on your card on each invoice, you will be exempt from the annual fee. In addition, you also have a R$50 discount at Cinemark, both on tickets and on the Bradesco Combo (small popcorn and 500ml drink).
A credit card with many benefits and great for those looking for ease when dealing with their bills. If the benefits mentioned above were not enough, you should know that this card offers even more advantages.
It also provides a 50% discount at Teatro Bradesco, on the ticket price and an exclusive service counter for those paying with a Bradesco Credit and Debit Card and a discount at the best restaurants, with up to 15% off the bill at a selection of renowned restaurants.
3. SX Santander Card – Santander
To apply for this credit card, you must have a minimum income of R$1,045.00. If you are not a current account holder, it guarantees you zero annual fees if you accumulate R$1,000.00 in purchases on your bill and register and use your CPF and cell phone as Pix keys at Santander.
Furthermore, after requesting your card, you can make purchases online with your virtual card before your physical card arrives. It also has the Santander Pass, in which your card can be used as a bracelet, watch tag and sticker to pay for things using contactless payment.
It is a card that has an app so you can control your limits and track your spending in real time. With it, you can also get up to 50% more internet by using it to sign up for the Claro Flex plan and special offers in stores and restaurants.
4. Itaucard Click Visa Platinum – Itaú
A credit card that gives you all the benefits of the Visa Platinum, but without paying an annual fee. A great option for those looking for a card with a few more features and support. Among its many benefits is an app to track your spending and check benefits.
With it, you can also get discounts of up to 50% at cinemas such as Itaú Cinemas, Playaarte and Kinoplex, in addition to several discounts at partner stores such as Netshoes, Abastece Aí and Magazine Luiza, all without the annual fee.
The Itaucard Click Visa Platinum gives you a travel assistance service, rental car insurance, free valet parking in restaurants and shopping malls, and international medical emergency insurance, as well as other offers and benefits. Without a doubt, a great card.
5. Caixa credit card
You also have the option of Caixa credit cards, which offer an app to track your expenses in real time, a points system for you to redeem and the possibility of international use. There are many different features.
In addition to having the app to monitor your consumption, you will also have the option of receiving free SMS messages with alerts about your credit card activity, such as purchase and withdrawal notifications, simply register on the app, at the Caixa Call Center or via Internet Banking.
It is a card that aims to contribute to the environment, therefore, your invoices are sent digitally, with several channels for consultation. It is possible to advance the payment of installments and the invoice and you can also request an additional credit card to control your children's expenses, concentrate your household expenses or give a gift to a special person.
6. Banco Pan credit card
The last card on this list is the Banco Pan credit card, which also has no annual fee. It is a bank that not everyone knows about, but it offers many benefits and facilities for those looking for a credit card.
It has special discounts in online partner stores, restaurants, travel, as well as 25% discount in partner pharmacies, such as Drogaria São Paulo and Drogarias Pacheco. It also gives you the possibility of paying your bill in up to 18 fixed installments!
Just like the Caixa credit card, you also have the option of requesting a credit card with no additional annual fee for another person, with the expenses being included on the cardholder's statement, who also controls the additional limit.