Discover everything the Inter Card has to offer and see how it can make your day-to-day finances easier!
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One of the favourites among young people, the Inter Card, offered by Banco Inter, stands out as an innovative and practical solution for consumers who want to simplify their financial management without facing recurring fees and charges.
Launched by one of the pioneers in digital banking services in the country, the Inter Card has been gaining popularity for combining technology and savings in a single product, accessible to different consumer profiles.
Unlike traditional credit cards, the Inter Card is completely free of annual fees and offers a digital 100% experience, from applying to controlling the limit and paying invoices, all via an app.
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With it, customers can make domestic and international purchases, accumulate cashback at the Inter Shop and even take advantage of differentiated benefits in the Platinum and Black modalities, such as access to VIP lounges at airports.
For those looking for a modern alternative, without abusive fees and with exclusive advantages, the Inter Card is a choice that combines practicality and benefits, catering well for beginners and high-income consumers alike.
In this article, we'll explore in detail all the features of the Inter Card, the model options available and the steps to apply for yours, helping you to understand why this is one of the best digital credit card choices in Brazil.
Quick Index:
What is the Inter Card?
The Inter Card is a credit and debit card offered by Banco Inter, a Brazilian digital bank whose main purpose is to facilitate access to banking services online and without abusive fees.
With this card, customers have access to a free digital account and a series of benefits ranging from cashback to exclusive advantages on e-commerce and travel platforms.
Banco Inter operates completely without physical branches, with all service and management done through the bank's app or website.
This proposal reduces operating costs, allowing Inter to offer annual fee waivers and lower rates for customers.
The Inter Card carries the Mastercard flag and is accepted both in Brazil and internationally, guaranteeing flexibility for those who want to use it anywhere.
How does the Inter Card work?
The Inter Card works in an integrated way with the Inter digital account, which means that all the management of the card and transactions can be done through the bank's app.
Customers have access to a debit card automatically when they open their account, and if they want the credit function, they can request that it be activated, subject to a credit analysis.
As well as credit and debit functions, the card offers benefits such as cashback on purchases made at Inter Shop, Banco Inter's online shop, where customers can buy products from partners and receive part of the value back. The card is issued in Gold, Platinum and Black versions, each with its own specific features and benefits.
General Features
| Features | Description |
|---|---|
| Card Name | Inter Card |
| Flag | Mastercard |
| Issuing Bank | Inter Bank |
| Annuity | No annual fee |
| Cover | National and international |
| Available models | Debit and Credit (Gold, Platinum and Black) |
| Limit | Variable, defined on the basis of credit analysis |
| Points Programme | No points programme of its own |
| Cashback programme | Cashback on Inter Shop purchases |
| Payment instalments | Up to 12 times, depending on the amount and credit analysis |
| Management App | Banco Inter - available for Android and iOS |
Advantages
The Inter Card stands out in the credit and debit card market for offering a series of advantages to customers, especially those looking for a service with no fees. Among the main advantages are:
- Exemption from annual membership fees: The Inter Card is completely free of annual fees, which means that customers can use the card without worrying about annual fees.
- Cashback at Inter Shop: When shopping at Inter Shop, Banco Inter's online shop, customers receive cashback, which is a return in cash on the value of purchases. This benefit is especially advantageous for those who shop online frequently.
- International acceptance: With a Mastercard flag, the Inter Card is accepted in millions of establishments around the world, making it an excellent option for those travelling or shopping on international websites.
- Various Modalities (Gold, Platinum and Black): Banco Inter offers different types of card, each with its own benefits. The Inter Black Card, for example, includes access to VIP lounges at airports and other exclusive advantages for high-income clients.
- Integration with the Digital Account: With the Banco Inter app, customers have access to all their banking services and can manage their credit and debit cards, monitor statements, pay invoices, transfer money and more, all in one place.
Disadvantages
Although the Inter Card has many positive points, it also has some limitations that should be considered:
- Absence of an Own Points Programme: Unlike other credit cards, the Inter Card doesn't have a points programme to accumulate and exchange for rewards or miles. For those looking for this option, the Inter Card may not be ideal.
- Variable Credit Limit: The credit limit is determined by the credit analysis and can be low for some customer profiles, especially those who are starting their financial history.
- Some Benefits Restricted to Specific Modalities: Some exclusive benefits, such as access to VIP lounges at airports, are only available to Inter Black Card customers. Gold and Platinum cards have fewer advantages compared to Black.
Card types
The Inter Card is available in three modalities, each with different characteristics and benefits. Below are the details of each modality:
Inter Gold Card:
- This is the standard card offered to customers who request the credit function.
- It has all the basic benefits, such as no annual fee and cashback at Inter Shop.
Inter Platinum Card:
- Suitable for customers with a higher consumption profile.
- Includes additional Mastercard Platinum benefits, such as insurance and travel assistance.
Inter Black Card:
- Premium mode for high-income customers.
- It offers benefits such as access to VIP lounges at airports, greater cashback at Inter Shop and all the advantages of Mastercard Black, including insurance and travel protection.
These options allow customers to choose the one that best suits their profile and volume of spending, giving them flexibility in choosing the ideal card.
How to apply for an Inter Card?
Applying for the Inter Card is a simple and completely digital process, carried out via the Banco Inter app. Follow the steps below to apply:
- Download the Banco Inter App: The app is available in the Google Play Store (for Android) and the Apple App Store (for iOS).
- Open an Inter Digital Account: To apply for a credit card, you need to have a digital account with Banco Inter. The opening process is simple, you just need to fill in some information and send identification documents.
- Request the Credit Function: Once the account is active, the customer can request the credit function directly from the application. The bank will carry out a credit analysis to determine approval and the limit.
- Wait for the Credit Analysis: The analysis process can take a few days, and the customer will be notified by the app of the card's approval and the available limit.
- Receive the card and start using it: After approval, the physical card will be sent to the registered address and can be used after activation via the app.
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Exclusive Inter Card Benefits
The Inter Card offers exclusive benefits that add value to the customer's financial experience. These include:
- Cashback at Inter Shop: The possibility of receiving cashback when shopping at Inter Shop is one of the main attractions of the Inter Card, offering cash back for purchases made at the online shop.
- Mastercard benefits: As it carries the Mastercard flag, the Inter Card offers all the benefits associated with the flag, such as the Mastercard Surpreenda programme, travel insurance and purchase protection.
- Investments via the App: In addition to the card, the Banco Inter app allows customers to make investments directly from their mobile phones, including CDBs, investment funds and even the purchase of shares.
- Exclusive discounts and partnerships: Banco Inter has partnerships with various companies and offers exclusive discounts on products and services for customers, especially in the travel and technology categories.
Final considerations
The Inter Card is an excellent choice for those looking for a digital credit card with no annual fee and benefits accessible to different consumer profiles.
With options such as cashback in the Inter Shop and the ease of management via the app, Inter manages to provide a complete and simplified experience.
The bank offers different types, such as Gold, Platinum and Black, allowing customers to choose the one that best suits their profile and needs.
Although it doesn't offer its own points programme, the Inter Card makes up for it with cashback and exclusive partnerships. Overall, it's an advantageous solution for those who want to avoid fees and prefer the convenience of a digital bank.
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Continue reading →Frequently Asked Questions
Does the Inter Card have an annual fee?
No, the Inter Card has no annual fee, which makes it an economical option.
Can I use my Inter Card outside Brazil?
Yes, the Inter Card has a Mastercard flag and is accepted internationally.
Does the Inter Card have a points programme?
No, it doesn't have a points programme, but it does offer cashback on Inter Shop purchases.
How do I apply for the Inter Card?
Simply download the Banco Inter app, open a digital account and request the credit function in the app.
What are the benefits of the Inter Black Card?
The Inter Black Card offers exclusive benefits such as access to VIP lounges at airports, high cashback and the advantages of the Mastercard Black flag.
Is there a minimum cashback limit at Inter Shop?
The amount of cashback can vary according to Banco Inter's policy, so it's recommended to check with the app for details.
What are the Inter Card fees?
The Inter Card has no annual fee, but some specific operations may incur additional charges.
