When you create your digital account at Banco Inter, you automatically receive a Mastercard debit card.
If you are also interested in the credit function, without annual fees, this article brings together relevant information and details about the benefits of this modality.
As mentioned, when you open your digital account, the debit card will be issued automatically. It initially belongs to the Gold category, with international acceptance.
Currently, Banco Inter is already widely known in Brazil, especially due to the growth of digital banks, which have long since ceased to be a novelty.
Banco Inter's credit card has stood out in the market due to the advantages it offers, such as no annual fee and several other benefits. Before applying for the card, it is important to know everything it offers.
Card Types
Banco Inter offers three categories of cards to its customers: Gold, Platinum and Black.
Inter Gold Card
The Inter Gold Card is the most popular and is issued automatically when you open your digital account. It includes the following benefits:
- Price Protection Insurance;
- Original extended warranty;
- Mastercard Global Service;
- Protected Purchase Insurance;
- Mastercard Surprise;
- Mastercard special offers.
Inter Platinum Card
Inter Platinum, an intermediate option, requires investments between R$50,000.00 and R$249,999.99 in the institution. Its benefits include:
- Priceless Cities;
- Mastercard Airport Concierge;
- Travel assistant;
- Mastercard Travel Rewards;
- Global emergency assistance.
Inter Black Card
Aimed at customers with investments above R$250,000.00, Inter Black offers:
- Priceless Cities;
- Guarulhos VIP Lounge;
- Mastercard Airport Experiences (LoungeKey);
- Mastercard Travel Rewards;
- Boingo WiFi;
- Mastercard Airport Concierge;
- Global emergency assistance;
- Travel assistant.
Inter Card Cashback
Banco Inter credit cards also offer cashback on the invoice amount:
- Gold: 0.25% cashback;
- Platinum: 0.50% cashback;
- Black: 1% cashback.
This return represents significant savings over time, allowing you to recover part of the amount already spent.
Marketplace Discounts
Through the Banco Inter app, you can get exclusive discounts at several partner stores, such as Amazon, Centauro and Netshoes. To check the discounts, simply access the “Inter Shop” option in the app menu.
Main Advantages of Banco Inter
Banco Inter cards and services offer:
- Free digital account;
- Multiple card (debit and credit);
- International coverage;
- Zero annual fee;
- Contactless payment;
- Unlimited banking services at no additional cost;
- Free withdrawals from the Banco24Horas network;
- Minimum income required of just one minimum wage.
How to Request the Credit Function
To enable the credit function, you must request an analysis:
- Access your account via the app or Internet Banking;
- In the app, go to “Cards” or, in online banking, click on “Card Inquiry”;
- Choose your card and click on “Request credit feature”;
- (Optional) Submit documents such as tax returns, pay stubs or bank statements to increase your chances of approval;
- Finish by clicking on “Request”.
The response will be sent by email within 7 business days. Although not mandatory, documentation can facilitate approval.
Inter Card Limit
The limit is set based on credit analysis and is not provided in advance. With responsible use and a positive history, it is possible to gradually increase the amount made available.
Conclusion
Banco Inter credit cards stand out for their benefits, such as simplified cashback and a wide range of free services. It is no surprise that they are increasingly chosen by Brazilians as a practical and advantageous option.