Find out all about the Next Card and see how to apply for yours to enjoy exclusive benefits and advantages.
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Banco Next is a financial institution that offers a complete range of services to its customers, from loan and investment options to savings products. Founded in 2010, Next quickly established itself as one of Brazil's leading fintechs, based in São Paulo.
With Banco Bradesco as its main shareholder, Next has received significant investments, which have boosted its growth and allowed it to continually expand its range of services to clients.
Next was created by Bradesco as a direct response to the impressive growth of Nubank. Its focus is to offer customers high quality financial products with the latest technology.
In addition to products such as loans and investments, Next has developed a series of innovative services using cutting-edge technologies such as artificial intelligence and in-depth data analysis.
Among the main products offered by Banco Next is the Next Card, which offers exclusive discounts and advantages, as we'll cover in detail throughout this article.
Read on to find out how to apply for the Next Card and explore the main advantages and benefits. At the end, we've included some tips to speed up your approval and get a higher Next Card limit.
Quick Index:
What is the Next Card?
O Next Card is a debit and credit card linked to the digital account of Next, a bank that belongs to Bradesco and operates independently.
With the aim of catering for a young and dynamic public, the Next card offers facilities for managing finances through the Next app, available for smartphones.
This card is an ideal alternative for those looking for a digital banking experience, with a focus on mobility, practicality and fee savings.
When you open an account with Next, you receive a Visa card, which can be used for both debit and credit, depending on your profile and credit analysis.
The Next card is widely accepted in physical and virtual shops, as well as offering specific Visa benefits, such as the Vai de Visa benefits programme, which includes offers and discounts at selected partners.
How does the Next Card work?
How the Next Card is simple and very well integrated with the Next app. The customer can use the card to make cash purchases in the debit function, using the available balance in the account, or in the credit function, with a pre-approved limit upon analysis. The Next app offers a series of tools for financial control, such as tracking expenses, paying bills and topping up mobile phones, all in a secure, digital environment.
Debit and credit functions
O Next Card allows the customer to use both the debit and credit functions, depending on the approval of the credit limit.
If the user is approved for credit, they can make purchases in instalments and organise payment via the monthly invoice, which is also accessible via the Next app.
With the debit function, all transactions are carried out directly with the account balance, allowing total control over spending.
Benefits of the Next Visa Card
O Next Card uses the Visa flag, which gives customers access to the Vai de Visa benefits programme, with discounts and offers in Visa partner restaurants, shops and services.
In addition, the card features contactless payment technology, making everyday purchases even faster and safer.
General Features
| Features | Description |
|---|---|
| Card Name | Next Card |
| Flag | Visa |
| Issuing Bank | Next (Banco Bradesco S.A.) |
| Annuity | Free (depending on the plan chosen) |
| Cover | National and international |
| Modality | Debit and credit (subject to analysis) |
| Technology | Contactless payment |
| Management application | App Next |
| Withdrawals | Unlimited withdrawals from the Banco24Horas network and Bradesco branches |
| Request | Made directly by the Next app |
Advantages
O Next Card offers a number of advantages that make it an attractive option for those looking for a digital 100% banking experience. Below are some of the main benefits offered by the card:
Annual fee waiverThe Next card is known for not charging an annual fee, especially for customers on the free plan (Next Na Faixa). Even the paid plans are affordable and offer additional benefits.
Exclusive DiscountsThrough Next's pampering programme, customers have access to discounts and advantages in various areas, such as travel, gastronomy, entertainment and education.
Free Unlimited WithdrawalsNext customers can make unlimited withdrawals from Banco24Horas ATMs and Bradesco branches at no extra cost.
Visa BenefitsBecause the card is a Visa card, customers have access to the Vai de Visa programme, which offers discounts and promotions in partner shops, as well as benefits such as purchase protection and travel insurance for those who have a credit card.
Complete App ManagementThe Next app offers a range of functions for managing your card and account, such as paying slips, tracking spending, categorising expenses, topping up mobile phones and making transfers.
Personalised Financial PlanningThe Next app has financial planning functionalities, such as the "Goals" feature, which allows the user to set savings goals to achieve personal objectives.
Virtual Card for Online ShoppingNext offers the virtual card, which is a safer option for making online purchases, allowing users to create a temporary card and avoid using a physical card for internet purchases.
Disadvantages
Despite its many advantages, the Next Card may have some limitations depending on the user's profile. Below are some of the disadvantages worth considering:
Credit Function Subject to AnalysisThe credit function is not automatically released to all customers, and they have to go through a credit analysis, which can be a limitation for those who want immediate access to credit.
Fees for Premium PlansWhile the basic plan is free, plans with additional benefits, such as Next 10 and Next Mix, have monthly fees. These plans include more advantages, but may be less interesting for those who want to make maximum savings.
Limitation of Banking ServicesAs it is a digital account, some banking services offered by Bradesco are not available on Next, which can be a limitation for those looking for a complete bank with more financial product options.
How to Apply for a Next Card
Request the Next Card is a completely digital process, carried out directly through the Next bank application. Here's a step-by-step guide to applying for your card:
- Download the Next AppThe first step is to download the Next app, available for Android and iOS devices.
- Create Your AccountAfter opening the application, select the option to create an account and follow the instructions. You will need to enter personal details such as CPF, ID, address and other information requested.
- Choose your planNext offers different plan options, from free to paid plans with additional benefits. Choose the one that best suits your profile and finalise registration.
- Wait for the Credit AnalysisIf you choose the credit function, Next will carry out a credit analysis. If approved, the credit limit will be made available on the card and you will be able to make purchases in instalments.
- Receive the CardAfter approval of the account and credit function (if applicable), the physical card will be sent to the registered address. Delivery times may vary according to region.
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Exclusive Benefits
In addition to the general benefits, the Next Card offers exclusive advantages for customers who use the app. Below are some of the specific benefits for Next users:
Pampering NextNext's pampering programme offers a series of discounts and advantages at partner establishments, including restaurants, streaming services, transport apps, fashion shops and others.
Objectives and Financial PlanningThe Next app has a "Goals" function that helps users set financial goals and organise their savings in a practical and automated way.
Invoice instalmentsIf the customer needs it, Next allows the credit card bill to be paid in instalments under special conditions, providing greater financial flexibility.
Cashback on PurchasesIn some specific promotions, Next offers cashback on purchases made with the card, which is cash returned directly to the account, allowing for extra savings.
24 Hour Digital ServiceNext offers chat service in the app, available 24 hours a day, so that customers can resolve their doubts and problems quickly and efficiently.
Final considerations
O Next Card is a versatile option for those looking for a credit and debit card integrated with a digital account, with exclusive benefits and complete management via the app.
It is ideal for those who value the annual fee exemption, the exclusive promotions of the Mimos programme and the advantages of a practical and modern digital account.
For those who are already Bradesco customers and are looking for a more digital banking experience, Next is an interesting alternative that combines the benefits of a traditional bank with the innovation of a fintech.
With unlimited free withdrawals, Visa benefits and a complete app for financial control, the Next card is a solution worth considering.
Frequently Asked Questions
How do I unblock my Next Card?
Unblocking can be done directly in the Next app once the card has been delivered.
Can I use my Next Card for international purchases?
Yes, the card has international coverage, allowing purchases in establishments that accept the Visa flag.
Does the Next Card have an annual fee?
The Next card's basic plan has no annual fee. For paid plans, there is a monthly fee that varies according to the additional benefits chosen.
How do I increase my Next Card limit?
The limit increase can be requested via the app, where Next will carry out a new credit analysis.
How to make withdrawals with the Next Card?
Withdrawals can be made free of charge from the Banco24Horas network and Bradesco branches.
Does the Next Card have a cashback programme?
Yes, Next offers cashback on some specific promotions, returning a percentage of the amount spent directly to the account.
How can I check my invoice?
The Next Card invoice can be consulted and managed via the Next app, where you can view your expenses, due dates and make payments.
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