THE Carrefour Card is one of the options for those looking for a card with no annual fee.
For those who don't know yet, the Carrefour is one of the largest hypermarkets in the world and a leader in Latin America.
Currently, in Brazil, Standard Finance operates with around 500 stores spread across all states.
With the Carrefour Card you will have exclusive benefits when shopping online, that is, you can buy everything from household appliances, electronics, and even books.
Carrefour card with zero annual fee
You might ask: is it easy to get this card?
Well, let's go: the Carrefour card works with Mastercard and Visa, and has zero annual fees, which will bring an excellent advantage to you.
Since 2019, the Carrefour card has been operating with a promotion to ZERO the annual fee, as long as you use it at least once in supermarkets.
In this article, you'll learn about the benefits of this card, how to apply for it, and whether it's really worth it.
Card types Carrefour
What types of Carrefour cards are there?
Currently, there are five types that you can find with different benefits:
You may request the Mastercard Gold Card: accepted in our own stores and establishments that accept Mastercard, both here in Brazil and internationally.
Now the credit card Mastercard La Carte It has the same acceptance as Mastercard Gold, but with the advantage of offering free assistance for animals, the elderly and children, and nutritional support.
THE National Visa Card It already has some limitations, because it is only accepted within the country, purchases abroad are not allowed.
Visa International and Visa La Carte: only the card brand changes, but they work like the Mastercard Gold and Mastercard La Carte variants.
Carrefour Card: split your purchases into up to 24 installments
This is one of the main advantages of this card, as you can divide it into more installments.
See how practical and simple it is: to obtain a new copy of your invoice, or more information about your purchases, on the company's website you must access the Customer Area on the Carrefour Card website and select the options My Expenses > Invoices > Current Invoice.
However, if you prefer a much better option, you can also sign up to receive your invoice by email (what they call Green Invoice).
To do this, you'll need to go to My Expenses > Invoices > Invoice by Email. After registering for an email invoice, it's important to remember that you'll no longer receive the invoice by mail.
Easy ways to pay your Carrefour Card bill
To make things more practical, you can pay your bill using any of the methods listed below:
- Carrefour stores, using the cardholder's card or CPF. This is a great option because the limit is released for immediate use.
- Branches and ATMs connected to the banking network
- Lottery houses and banking correspondents, until the due date
- Internet Banking or Mobile Banking from the country's main banks, through the option to pay bills or invoices
If you prefer, you can use the website to register the Debit of your Invoice from your Current Account, selecting the options My Info > Billing Options > Direct Debitthe.
In this case, every month the total amount of your invoice will be deducted from the current account you indicate.
For this option, it is mandatory that the current account is in your name.
Keep an eye out!
One aspect of this card that needs to be remembered is that confirmation of the longer term to pay for fuel depends on the date you use the card, the due date of your invoice and other conditions.
If you want to use it, you will need to inform the cashier to make the payment.
Another aspect that needs to be remembered is that the installment payment of the card bill is considered a credit operation subject to availability.
You should also be aware that bank withdrawal limits may apply. Additionally, fees and IOF (Tax on Financial Operations) may apply.
Finally, the total withdrawal amount will affect your card's credit limit. The withdrawal fee within Brazil is R$$10.90. The fee for withdrawals abroad is R$$17.90.
What are the benefits of this card?
For those who enjoy shopping online, there are many options and benefits.
The Carrefour Card offers discounts on a variety of products at Carrefour stores. Offers change daily.
To find out which products are on sale, you can ask the customer service team what is available at the entrance of all hypermarkets.
It is important to remember that all card-related bonuses are credited directly to your statement as per company rules.
The timeframe for releasing credits varies and can take up to 70 days.
Are there any disadvantages to this Card?
We can say yes, for example, if you apply for a Carrefour credit card and don't use it, it's important to know that the following fees will be charged. Let's take a look at these fees:
- National Visa or Mastercard cards: 12x of R$ 11.89 (R$ 142.68);
- International Gold Visa or Mastercard cards: 12x of R$ 13.99 (167.88);
- La Carte Visa or Mastercard: 12x R$ 15.99 (R$ 191.88)
How to apply for your Carrefour Card?
It's very simple, to obtain the Carrefour Card contract, go to the Carrefour Card website and select the options Carrefour Card > Coverage and Brand > Carrefour Card Usage Contract.
See other zero-card options annuity here
Final considerations about the Carrefour Card
If you don't have a credit card yet and are unsure, you certainly won't have any major problems with this one, because the revolving credit fees aren't as high as with other cards.
Not to mention the many benefits of shopping online or in Carrefour stores for its customers.
Ultimately, the Carrefour card is only worth it if you regularly use the chain's stores to make purchases at least once a month.
This way, you're exempt from the annual fee. It also has some drawbacks, such as withdrawal charges and an annual fee whenever you don't make at least one purchase.