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 gathers 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's initially a Gold card, with international acceptance.
Banco Inter is now 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 for its advantages, such as no annual fee and several other benefits. Before applying for the card, it's important to understand 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. Its benefits include:
- Priceless Cities;
- Mastercard Airport Concierge;
- Travel assistant;
- Mastercard Travel Rewards;
- Global emergency assistance.
Inter Black Card
Intended for 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 recoup some of the money you've 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 “Request”.
A response will be sent via email within 7 business days. While not required, documentation may facilitate approval.
See on the Banco Inter website
Inter Card Limit
The limit is set based on a credit analysis and is not disclosed in advance. With responsible use and a positive credit history, the available amount can be gradually increased.
Conclusion
Banco Inter credit cards stand out for their benefits, such as simplified cashback and a wide range of free services. It's no surprise that they are increasingly chosen by Brazilians as a practical and advantageous option.