by Team AllYourVideogames | Aug 18, 2022 | Shopping |
It's never been easier to get one cashier credit card.
The financial institution, which is one of the most important in the country, offers several alternatives for the consumer, with exclusive benefits.
From now on, we will present all the options available and how they can influence your routine and financial planning.
Learn More: Easy-to-approve credit card: the 6 best
What to look for when choosing a Caixa credit card?
One of the most common mistakes when choosing a credit card is letting emotion speak more than reason.
We know that there are some alternatives that contain several benefits for customers.
However, not all of them are suitable for our need.
Therefore, before making your decision, carefully analyze the characteristics of each alternative.
It is worth noting the benefits, the flag and even the annuity rate, as a very high value can interfere with your financial planning.
What is the best Caixa credit card?
From now on, we are going to list the best options for Caixa's credit cards, highlighting their main features, annuity rate, benefits, who they are for and type of brand. Follow up!
1. Cash Card Sim
- What is it: Intended for people who like to solve their problems in a practical way and without fees;
- Annuity fee: Free;
- Benefits: control card spending through the Caixa cards application; receive SMS, in real time, about daily expenses; low interest rate; Caixa's credit card invoice sent by e-mail; possibility of splitting the invoice in up to 36 installments; possibility to pay your purchases in installments without interest or in up to 24 interest-free installments;
- Who is it for: persons over 18 years of age. The benefit is also granted to people over 16 years old, provided they are emancipated or assisted by their parents. In addition, it is essential that they have their own income;
- Monthly income to apply for the Caixa credit card: from R$1.000,00 to R$6.000,00;
- Flags: Link or Visa;
- Observation: Since March 2022, the ELO card benefits are FLEX. This means that the customer can replace any benefit with another that matches their main needs.
2. International Caixa Card
- What is it: With this credit card, the customer can make withdrawals and purchases with several advantages. In addition, it is possible to participate in the financial institution's points program, adding points to each purchase made;
- Annuity fee: R$207,00 in 12 installments of R$17,25. The card offers a 50% discount on the first year. The network releases exemption from this fee for additional cards that have been unblocked since September 2022. It is essential to make it clear that the annual fee is charged only when the customer unblocks the credit card;
- Benefits: The customer has access to the support team 24 hours a day, seven days a week; credit limit of at least R$1.000,00 (amount subject to analysis); interest-free installment and down payment that is offered by some companies; installments with interest in up to 24 installments; possibility of splitting national air tickets and tourist packages, as long as the currency is in reais;
- Who is it for: persons over 18 years of age. The benefit is also granted to people over 16 years old, provided they are emancipated or assisted by their parents. In addition, it is essential that they have their own income;
- Monthly income to apply for the Caixa credit card: from R$1.000,00 to R$6.000,00.
- Flags: Visa or Mastercard.
3. Caixa Gold Card
- What is it: It is an ideal credit card for those people who want practicality in their routine, as it allows them to pay their purchases without interest, in up to 40 days;
- Annuity fee: BRL 207,00 in 12 x BRL 17,25. The customer receives a 50% discount on the first annuity. In addition, the network guarantees exemption from the first annuity for cardholders who contract the service under the Visa brand. Another positive point is that the financial institution also offers an annual fee waiver for additional cards. The customer who has a salary account at Caixa and belongs to the Visa brand receives exemption from the first annuity and 90% discount on other charges. This fee is charged only after the card is unlocked;
- Benefits: The card offers a limit of at least R$1.000, which is released after a credit analysis; it is possible to pay in installments without interest and without entry in some companies that are partners with the card; possibility of splitting airline tickets and tourist packages, both national and international, as long as the currency is in reais.
- Who is it for: persons over 18 years of age. The benefit is also granted to people over 16 years old, provided they are emancipated or assisted by their parents. In addition, it is essential that they have their own income;
- Monthly income to apply for the Caixa credit card: from R$1.000,00 to R$6.000,00;
- Flags: Visa e Mastercard.
4. Caixa Elo Mais Card
- What is it: With the Caixa ELO credit card, you can make national and international purchases with several advantages and can also participate in the financial institution's points program, accumulating balance with each purchase that has been completed;
- Annuity fee: BRL 207,00 in 12 installments of BRL 17,25. The customer guarantees a 50% discount on the first annuity. For users who have a salary account at Caixa, the bank offers exemption from the first annuity and 90% discount on other fees;
- Benefits: Possibility of splitting air tickets and national and international tour packages, as long as the currency is real; interest-free installment payment offered by some companies that are partners with the bank and 2.000 points that are credited after payment of the invoice on which the first purchase is registered and 1,2 points for every U$1,00 spent; limit of at least R$1.000,00, according to credit analysis;
- Who is it for: persons over 18 years of age. The benefit is also granted to people over 16 years old, provided they are emancipated or assisted by their parents. In addition, it is essential that they have their own income;
- Monthly income to apply for the Caixa credit card: from R$1.000,00 to R$6.000,00;
- Flag: HOW MUCH;
- Observation: Since March 2022, the ELO card benefits are FLEX. This means that the customer can replace any benefit with another that matches their main needs.
5. Platinum Card
- What is: With this credit card, the customer can buy in stores in our country and in other countries of the world, in addition to having exclusive advantages in their purchases and trips;
- Annuity fee: In the Visa brand, the annual fee is R$414,00 in 12 installments of R$34,50, while in the Mastercard brand, the annual fee is R$453,00 in 12 installments of R$37,75;
- Benefits: limit of at least R$4.000,00, according to credit analysis; interest-free installment payment that is offered by some companies that are partners of the bank; possibility of splitting air tickets and tourist packages for travel in our country and abroad, as long as the currency is in reais;
- Who is it for: persons over 18 years of age. The benefit is also granted to people over 16 years old, provided they are emancipated or assisted by their parents. In addition, it is essential that they have their own income;
- Monthly income to apply for the Caixa credit card: from BRL 6.000,01 to BRL 15.000,00;
- Flag: Visa e Mastercard.
6. Elo Graphite Card
- What is it: with this customer card, the customer can make national and international purchases and can also participate in the financial institution's points program to take advantage of exclusive advantages;
- Annuity fee: R$414,00 in 12 installments of R$34,50. The customer guarantees a 50% discount on the first unit. Customers who have a salary account at this bank receive exemption from the first unit and 90% discount on fees. And the best: you also get exemption from the fee for additional cards;
- Benefits: bonus of 4.000 points in the loyalty program after paying the invoice for the first purchase made with Caixa's credit card; limit of at least R$4.000,00, which is defined according to the credit analysis; possibility of splitting airline tickets and tourist packages in our country and abroad, as long as the currency is in real;
- Who is it for: persons over 18 years of age. The benefit is also granted to people over 16 years old, provided they are emancipated or assisted by their parents. In addition, it is essential that they have their own income;
- Monthly income to apply for the Caixa credit card: from R$6.000,01 to R$15.000,00;
- Flag: How much;
- Observation: Since March 2022, the ELO card benefits are FLEX. This means that the customer can replace any benefit with another that matches their main needs.
7. Mastercard Black
- What is it: Customers have access to a credit card that can be used in more than 30 million stores in 150 countries and territories. In addition, the network allows withdrawals in local currency from more than one million ATMs;
- Annuity fee: R $ 921,00 in 12 plots of R $ 76,75;
- Benefits: two free visits per year in the VIP lounges that are available in our country and abroad; participation in the Mastercard Surprise Program; travel advice and exclusive offers; limit of at least R$15.000,00, according to credit analysis;
- Who is it for: persons over 18 years of age. The benefit is also granted to people over 16 years old, provided they are emancipated or assisted by their parents. In addition, it is essential that they have their own income;
- Monthly income to apply for the Caixa credit card: above BRL 15.000,01;
- Flag: Mastercard.
8. CAIXA VISA Infinite Card
- What is it: It is an ideal credit card for people looking for practicality and exclusive benefits;
- Annuity fee: R$828,00 in 12 installments of R$69,00. The financial institution offers the first annuity free to customers. If you are interested in requesting additional cards, the bank does not charge cardholders this fee;
- Benefits: Caixa credit card users receive two free visits to VIP lounges in our country and abroad; the customer can also make purchases of products and services more easily, in addition to taking advantage of exclusive advantages in their travels; bonus of six thousand points that are counted after payment of the invoice on which the first purchase is made; credit limit with a minimum amount of R$15.000,00, according to the bank's analysis;
- Who is it for: persons over 18 years of age. The benefit is also granted to people over 16 years old, provided they are emancipated or assisted by their parents. In addition, it is essential that they have their own income;
- Monthly income to apply for the Caixa credit card: above BRL 15.000,01;
- Flag: Visa.
9. CAIXA Elo Nanquim Card
- What is it: With this Caixa credit card, you can make purchases in our country and abroad, with convenience and special benefits;
- Annuity fee: R $ 828,00 on 12 plots of R $ 69,00;
- Benefits: bonus of 8.000 points that are recorded after payment of the invoice on which the first purchase is made and 2,3 points for every U$1,00 spent; credit limit of at least R$15.000,00; Wi-Fi link; Travel insurance; purchase protection insurance; travel chip; Congonhas VIP room and VIP room voucher;
- Who is it for: persons over 18 years of age. The benefit is also granted to people over 16 years old, provided they are emancipated or assisted by their parents. In addition, it is essential that they have their own income;
- Monthly income to apply for the Caixa credit card: above BRL 15.000,01;
- Flag: How much.
10. CAIXA Elo Diners Club Card
- What is it: It is an exclusive card with special benefits for customers. It is known to be more than a card, a privilege;
- Annuity fee: 12x the R$91,67;
- Benefits: points that never expire; limited VIP room; Travel insurance; airport transfer; card with an exclusive and unique design in off white or black for consumer choice; credit limit of at least R$25.000,00;
- Who is it for: persons over 18 years of age. The benefit is also granted to people over 16 years old, provided they are emancipated or assisted by their parents. In addition, it is essential that they have their own income;
- Monthly income to apply for the Caixa credit card: above BRL 5.000,01;
- Flag: How much.
Caixa also offers the customer the Blue card and the National card, but they are temporarily suspended.
How to get a Caixa credit card?
Anyone who thinks that the process of hiring a Caixa credit card is complicated is wrong. On the contrary, the dynamics are simpler than it seems.
First, you need to define the channel that is the best alternative for contacting Caixa. You can do this process online or at an institution closer to your home. In times of a pandemic, we recommend opting for the online process, which guarantees your safety.
If you don't know how to make a Caixa card online, don't worry. The process is practical, even for those people who do not have internet skills.
Then, you must fill in the Caixa Econômica credit card proposal and sign it. If necessary, present the documentation required by the financial institution: CPF, identity document, proof of income and proof of residence. The customer must present the original document and a copy.
After having the proposal approved, you must wait for the card at your residence to take advantage of all the benefits.
What are the most common questions about Caixa's credit card?
From now on, we will answer the most common questions from customers when applying for a Caixa credit card.
How to increase Caixa credit card limit?
In order to have a new Caixa credit card limit, the customer must go to the financial institution along with the following documents: personal identification document (within the validity period); updated proof of residence, updated proof of income and CPF.
How to pay Caixa's credit card bill?
There are four alternatives available to the consumer: full payment, partial payment, minimum payment and invoice installment. To avoid financial problems, give preference to full payment.
Otherwise, interest can get in the way of your budget.
What is Caixa's Credit Card Service Center?
- 4004 01 04 – Capitals and Metropolitan Regions;
- 0800 104 0104 – Other regions;
- 0800 882 2492 – CAIXA Cards Service Abroad (collect call);
- 55 61 2106 0999 – The call can be made collect. You should consult the collect call form of the country where you are located.
Is Caixa's credit card good?
Yes. It is offered by one of the most respected financial institutions in our country, Caixa Econômica Federal, which has been in the market for over 160 years. The Bank offers several types of cards so that consumers can choose the one that best suits their profile.
In addition, some alternatives allow the customer to choose between the Visa, Mastercard and ELO brands, showing how much the organization is concerned with offering a great experience, and not just delivering a service to the consumer.
Another interesting benefit is that the invoice from the Caixa Mastercard card and from other brands offered by the institution is sent online to the consumer. It is not necessary to go to the bank to access the document.
After getting to know all of Caixa's credit cards, learn how the Platinum Nubank card works. Another interesting option for customers.
