Find out how the Agibank Card can simplify your financial life and apply for one now!
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The credit card market has been evolving rapidly, with a growing number of options offered by digital banks seeking to combine innovation, practicality and savings.
In this scenario, the Agibank Card has emerged as a versatile and affordable solution for consumers who want a modern, easy-to-manage card with low costs.
In partnership with Mastercard, the Agibank Card is accepted globally and has digital 100% management, allowing users to have full control over their transactions, invoices and limits directly through the app.
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In addition to the convenience of being an international card with global coverage, the Agibank Card offers conditions that can result in no annual fee, which makes it attractive for those looking for an economical card without sacrificing functionality.
Integration with the Mastercard Surpreenda programme also brings additional rewards, guaranteeing benefits at partner establishments.
Agibank stands out in the Brazilian fintech market for its focus on democratising access to financial services and for offering a simplified experience, ideal for those who prefer to avoid the bureaucracy of traditional banks.
If you're looking for a credit card that combines practicality, savings and a complete digital experience, read on to find out if the Agibank Card is right for you.
Quick Index:
What is the Agibank Card?
The Agibank Card is a credit card offered by Agibank, a Brazilian digital bank that prioritises access to financial services through digital platforms, with agile and uncomplicated service.
The card carries the Mastercard flag, which guarantees wide national and international acceptance. With it, you can make purchases in physical and online shops, both in Brazil and abroad, as well as withdrawals from ATMs in the Banco24Horas network.
Agibank stands out by offering a complete digital experience, with full control of the card and bank account via the app, available for Android and iOS.
The Agibank Card can be requested by customers who already have an account with the bank, who can opt for the credit model, subject to analysis, or debit only.
Another differentiator is the low annual fee, which can be zero in some cases, making Agibank a competitive option in the card market.
How does the Agibank Card work?
The Agibank Card works seamlessly with the Agibank digital account, which means that all transactions and card management can be done via the app.
The customer can monitor the balance, see the available limit, access the statement, pay the bill and even adjust security settings, such as temporarily blocking the card.
With the Agibank Card, users have access to the debit function automatically, while the credit function depends on a financial analysis carried out by the bank.
Customers approved for credit can enjoy a complete experience with the possibility of paying for purchases in instalments and making emergency withdrawals.
In addition, the card offers advantages through the Mastercard Surpreenda programme, which awards points for purchases that can be exchanged for products and services.
General Features
| Features | Description |
|---|---|
| Card Name | Agibank Card |
| Flag | Mastercard |
| Issuing Bank | Agibank |
| Annuity | Variable, can be reset with specific conditions |
| Cover | National and international |
| Available model | Debit and credit (subject to analysis) |
| Limit | Variable (determined by credit analysis) |
| Points Programme | Mastercard Surpreenda Programme |
| Cashback programme | No direct cashback, but participates in Mastercard Surpreenda |
| Payment instalments | Up to 12 times, depending on the amount and credit analysis |
Advantages
Annual fee waiver with specific conditions: In some cases, customers can get their annual fee waived, which is attractive for those who want to reduce their spending on fees. Agibank offers an exemption policy depending on usage and the amount spent on the card.
International card: With Mastercard, the Agibank Card is accepted in millions of establishments around the world, enabling international purchases and making it possible to use it when travelling abroad.
Complete App for Total Management: The Agibank application is a powerful tool for financial control. It allows customers to adjust their limit, view their balance, pay their bill and even block their card if it is lost or stolen.
Mastercard Surpreenda programme: Agibank participates in Mastercard's rewards programme, Mastercard Surpreenda, where every purchase made with the card generates points that can be exchanged for exclusive offers and discounts at Mastercard partners.
Flexibility in payments and instalments: For credit purchases, the Agibank Card offers the possibility of paying in up to 12 instalments, an advantage for those who need to better organise their spending over the months.
Disadvantages
Variable Annuity: Annual fee exemption is not guaranteed for all customers. It depends on the amount spent and the card's usage profile, which can be a disadvantage for some customer profiles.
No direct cashback: Unlike some cards that offer cashback on purchases, the Agibank Card doesn't have its own cashback programme. However, it is possible to take advantage of Mastercard Surpreenda rewards.
Credit Analysis for the Credit Function: The credit function is not guaranteed for all customers, as it depends on an analysis that assesses your financial profile. This may limit access to the card for some users.
Fees for some transactions: Although Agibank aims to offer low costs, some operations, such as withdrawals and transfers to other banks, may incur additional fees.
How to apply for an Agibank Card?
Applying for the Agibank Card is a practical process and can be done entirely through the application. See step by step how to get yours:
- Download the Agibank App: The app is available on the Google Play Store (Android) and the Apple App Store (iOS).
- Open your Digital Account: To apply for the card, you first need to open a digital account with Agibank. The opening process is simple and quick, requiring you to fill in some personal information and send documents.
- Request the Credit Function: Once the account is open, you can request the credit function of the card directly from the application. The bank will carry out an analysis to determine approval and the credit limit, if approved.
- Wait for approval: Credit analysis can take a few days. The customer will be informed by the app about approval and the available limit.
- Receive the card: After approval, the Agibank Card will be sent to the registered address, and the customer will be able to activate it in the application itself when they receive it.
Exclusive Benefits
The Agibank Card has additional benefits that provide an even more advantageous experience for customers. Among the main ones are:
Mastercard benefits: As a Mastercard, customers have access to the advantages offered by the brand, such as the Mastercard Surpreenda programme, as well as insurance and assistance services.
24-hour network withdrawals: The Agibank Card allows withdrawals from ATMs in the Banco24Horas network, making it a practical option for those who need cash.
Complete Digital Service: Agibank offers complete digital service and support, allowing customers to resolve questions and problems directly through the app or online service channels.
Possibility of Exemption from Annual Membership Fees: Agibank offers no annual fee conditions, which is an interesting differential for those looking for an economical card.
Final considerations
The Agibank Card is an excellent option for those who want a practical, affordable and totally digital credit card.
With functionalities integrated into the app, the customer experience is simplified, enabling real-time financial control.
Agibank offers no annual fee under certain conditions, international coverage and participation in the Mastercard Surpreenda programme, which allows you to earn points on purchases.
However, it is important to remember that the card has a variable annual fee, which means that it is not exempt for all users.
In addition, there is no direct cashback, a common feature of some competitor cards. However, the Agibank Card is well suited to profiles looking for simplicity and flexibility in a digital credit card.
For more information visit the official Agibank.
Frequently Asked Questions
Does the Agibank Card have an annual fee?
Yes, but the annual fee can be cancelled in some cases, depending on how much you use the card and how much you spend on it.
Is it possible to use the card outside Brazil?
Yes, the Agibank Card has a Mastercard flag and is accepted internationally.
Does the Agibank Card have a points programme?
It doesn't have its own points programme, but it does take part in Mastercard Surpreenda, which allows you to earn points on purchases.
How can I apply for an Agibank Card?
Simply download the Agibank app, open an account and request the credit function directly through the app.
What are the Agibank Card fees?
Although the annual fee can be reduced to zero, some operations, such as withdrawals and transfers, may incur additional fees.
Does the Agibank Card offer cashback?
No, the Agibank Card does not have direct cashback, but it does offer the Mastercard Surpreenda programme, which awards points for purchases.
What is the Agibank Card limit?
The limit is set according to the credit analysis carried out by the bank and can vary for each client.
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