Discover all the advantages, modalities and functionalities of the Nubank Card, the digital card that has won over millions of Brazilians!
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O Nubank Card is one of the most popular options in Brazil, standing out for its annual fee exemption, transparency and fully digital management via the app.
Purple has not only conquered Brazilians but is also a success in Latin America, being widely recognised for its simplified, transparent and digital approach.
It offers practical financial control, the Nubank Rewards programme and exclusive advantages on purchases and services.
With a focus on financial inclusion, the card is accessible to different profiles, including those without a strong credit history.
In addition, the complete digital experience and efficient service guarantee convenience and proximity to customers.
The card is no annual fee and is fully managed by the app. This has changed the way users manage their money. Let's take a look at Nubank card advantagessuch as cashback and other benefits.
In this article, we'll explore the main benefits of Nubank Cardideal for those looking for simplicity, innovation and real advantages when using credit.
Nubank: Digital Control and Simplicity
- Annual fee: Zero
- BenefitsFull control via the app, cashback and rewards programme (optional).
- HighlightEfficient customer service and ease of approval.
- Cashback: It gives a good cashback rate.
Disclaimer: You will go to the Bank's website.
Since its launch, the card has won over customers of different profiles, mainly because it offers an uncomplicated service, with no annual fee and total control via the Nubank app, all done quickly and intuitively.
As well as saving on fees, the Nubank Card has stood out for being a modern alternative to traditional banks, with functions that go beyond ordinary transactions, including rewards and cashback programmes such as Nubank Rewards and Nubank Ultraviolet.
With international acceptance thanks to the Mastercard brand, the Nubank Card allows customers to make purchases and carry out transactions anywhere in the world, with total flexibility between debit and credit functions.
Nubank also offers different types of card to cater for everyone from those looking for a more economical service to those seeking a premium experience, with exclusive benefits and differentiated service.
Whether you're a user who prefers a card with no fees or a demanding customer who values cashback and access to exclusive experiences, the Nubank Card is a solution that meets every need.
Read on to find out all about the Nubank Card, its modalities, benefits and how to apply for yours to transform the way you manage your finances.
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Advantages of the Nubank Card
O Nubank Card offers several advantages that make it an attractive option for many consumers. Below are some of the main advantages:
Annual fee waiver (Standard Card)For those who use the Standard Nubank Card, the annual fee waiver is a great advantage, especially for those who want to save on bank charges.
Cashback on the Ultraviolet Card: The Nubank Ultraviolet Card offers 1% of cashback on all purchases, with automatic return, which can be very advantageous for those who use the card frequently.
Nubank Rewards ProgrammeNubank Rewards: With Nubank Rewards, customers can accumulate points and use them to erase expenses from their bill, including travel, restaurants and streaming subscriptions.
Complete control via the appThe Nubank app is extremely functional and allows customers to manage their limit, invoices, purchase history and much more in a practical and accessible way.
Mastercard Benefits (Black to Ultraviolet)Nubank Standard and Ultraviolet cards offer the benefits of the Mastercard flag, with the Ultraviolet version including additional benefits from the Black category, such as travel insurance and global assistance.
Approximation paymentsProximity payment technology makes everyday shopping easier, especially for those who prefer a fast and secure payment method.
Agile Support and ServiceNubank is known for its customer service, which is available 24 hours a day on the app and quickly resolves users' queries and requests.
Disadvantages of the Nubank Card
Despite the advantages, the Nubank Card has some limitations that can be a negative point depending on the usage profile. Below are some of the main disadvantages:
Credit Drawing FeeWithdrawal with the Nubank Card in the credit function has an additional fee, which can be an inconvenience for those who use this function frequently.
Annual fee for the Ultraviolet CardNubank Card's premium mode, Ultraviolet, has an annual fee (R$ 49 per month), and a minimum amount of spending or investment is required for exemption.
Credit Under Analysis function: The credit function is not automatically released to all users and depends on a credit analysis, which may limit access for some users.
Quick Index:
What is the Nubank Card?
O Nubank Card is a credit and debit card offered by Nubank, a Brazilian fintech company that is a pioneer in offering digital financial services. Created with the aim of simplifying the consumer's relationship with the bank, the Nubank Card is widely accepted in Brazil and abroad, as it uses the Mastercard flag. The card allows both cash payments (debit) and instalment payments (credit), as well as being an economical option as it does not charge an annual fee or maintenance fees.
The card is integrated with the Nubank app, which offers total control of transactions, limits and payments. Customers can also take advantage of the Nubank Rewards points programme and other exclusive benefits. With this digital approach, the Nubank Card is an excellent choice for those who want practicality, savings and innovation in their daily use of credit cards.
How does the Nubank Card work?
O Nubank Card works in a practical and intuitive way, being managed directly through the Nubank app, available for Android and iOS devices. Customers can keep track of all their transactions, invoices, credit limit and Nubank account balance (in the case of the debit function). In addition, Nubank offers a series of features for controlling spending, allowing limit adjustments, blocking and unblocking the card and anticipating instalments.
Debit and credit functions
The card can be used as a debit card, if the customer has a balance in their Nubank account, or as a credit card, subject to approval. For credit, Nubank analyses the customer's initial limit, which can be increased over time. In addition, all purchases and instalments can be viewed on the invoice, allowing for clearer and more objective financial control.
Points Programme: Nubank Rewards
O Nubank Rewards is Nubank's points programme, available by subscription, in which the customer accumulates points with every purchase made. These points can be used to "erase" expenses from the bill, such as airline tickets, restaurants and streaming services. The difference with Nubank Rewards is that the points don't expire, allowing customers to accumulate and use the points according to their needs.
Approximation Payment Technology
The Nubank Card features contactless payment technology, which makes everyday purchases more convenient. All you have to do is bring your card close to the machine to make the payment, without the need to insert it and enter your password for small transactions.
General Features
| Features | Description |
|---|---|
| Card Name | Nubank Card |
| Flag | Mastercard |
| Issuing Bank | Nubank |
| Annuity | Free of charge |
| Cover | National and international |
| Modality | Debit and credit (subject to analysis) |
| Technology | Contactless payment |
| Management application | Nubank App |
| Withdrawals | Available on the Banco24Horas network (with fee for credit function) |
| Request | Made directly through the Nubank app |
Nubank Card types
O Nubank Card is available in two main types, designed to cater for different customer profiles. These are Standard Nubank Card e Nubank Ultraviolet Card. Each one has its own characteristics, varying according to the benefits and rates involved. Check out the details of each modality below.
1. Standard Nubank Card
O Standard Nubank Card is the initial and best-known version of the Nubank credit card, aimed at those who want a card with no annual fee and the convenience of a debit and credit function. Below are the main features of this modality:
- Annual fee waiverNo annual fee, which makes it an excellent option for those who want to save on fees.
- Debit and credit functionsAvailable to those with a Nubank account (debit) and those who pass the credit analysis.
- Nubank Rewards Points ProgrammeIt can be contracted separately for a monthly or annual subscription.
- Contactless technology: Allows proximity payments, facilitating day-to-day transactions.
- Complete control via the AppAll limit, invoice and spending history management is done directly through the Nubank app.
2. Nubank Ultraviolet Card
O Nubank Ultraviolet Card is a premium version, aimed at customers looking for a differentiated experience and more benefits. This card offers cashback and exclusive advantages, such as a metal design and Mastercard Black benefits. The main features of the Nubank Ultraviolet Card include:
- Automatic CashbackThe customer receives 1% of cashback on all purchases made with the card, and the amount of cashback automatically yields 200% of CDI while it remains in the account.
- Mastercard Black benefitsSuch as travel insurance, access to VIP lounges at airports, purchase protection, assistance in global emergencies and much more.
- AnnuityIt has an annual fee of R$ 49 per month, but you can get an exemption if you spend more than R$ 5,000 per month or invest more than R$ 150,000 in your Nubank account.
- Exclusive Design: Made of metallic material and with an elegant look, it reinforces the premium experience for demanding customers.
How to Apply for a Nubank Card?
Request the Nubank Card is a simple and quick process, carried out directly through the Nubank app. Check out the step-by-step instructions for applying for your card:
- Download the Nubank AppThe first step is to download the Nubank app, available for Android and iOS devices.
- Create Your AccountWhen you open the application, select the option to create an account and follow the instructions to provide your personal details, such as CPF, ID and address.
- Wait for the Credit AnalysisNubank will carry out a credit analysis to define the initial limit, if the credit function is requested. If approved, the card will be available for use.
- Receive the Physical CardAfter approval, the card will be sent to the registered address. Delivery times may vary depending on the region.
Nubank+ Programme
O Nubank+ is an exclusive programme for Nubank customers who want a more complete experience, focusing on those who use their credit and debit cards frequently.
By joining the programme, customers have access to a series of advantages, such as better instalment conditions, access to exclusive events and experiences, and an expanded rewards programme, which offers even more options for using the points they have accumulated.
This programme is a way for Nubank to reward its most active customers, providing a greater return for those who prefer to use the card for everyday transactions such as shopping, travel and services.
How Nubank+ works
By joining the Nubank+ programme, the customer unlocks levels of benefits that can vary according to the use of the card and the frequency of payments. Some of the main features offered by the programme include:
- Exclusive instalmentsNubank+ customers can access exclusive instalment conditions, with reduced rates and extended terms, making it easier to organise their finances.
- Access to Events and ExperiencesNubank+ members can receive invitations to special events and experiences organised by Nubank and its partners, ranging from concerts and festivals to product launches and cultural events.
- Expanded Rewards ProgrammeWith Nubank+, the Rewards points programme gains more flexibility, allowing points to be exchanged for more options of services, products and even additional credits.
- Exclusive Offers and PartnershipsNubank+ customers have access to exclusive offers in Nubank partner shops and services, with discounts, additional cashback and personalised promotions.
- Priority SupportFor those who participate in Nubank+, customer service can be faster and prioritised, ensuring that support is available whenever needed.
How to Join Nubank+
To join Nubank+To join the programme, the customer must access the Nubank application, where they will find the option to participate. Membership may be subject to analysis, and some benefits may be unlocked progressively, depending on the use of the card and loyalty to Nubank.
After signing up, customers start to enjoy the benefits of Nubank+, which adapt to their consumption profile and frequency of card use. It's important to follow the app to keep up to date with new offers and exclusive events.
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Final considerations
O Nubank Card is an excellent option for those looking for practicality, savings and financial control in one place.
The standard modality offers a card with no annual fee and easy management via the app, while the Ultraviolet Card is aimed at customers looking for a premium experience with cashback and exclusive benefits.
With an intuitive interface, the Nubank app gives customers total control over their spending and limits, while the Nubank Rewards programme and the Ultravioleta cashback option add even more value to the experience.
Whether you're a customer who values no fees or a premium profile looking for cashback and benefits, the Nubank Card is a solution worth considering.
Frequently Asked Questions
How do I unblock my Nubank Card?
Unblocking can be done directly in the Nubank app after receiving the card.
Can I use my Nubank Card for international purchases?
Yes, the Nubank Card has international coverage and can be used in any establishment that accepts the Mastercard flag.
Does the Nubank Card have an annual fee?
The Standard Nubank Card has no annual fee. The Nubank Ultraviolet Card has an annual fee of R$ 49 per month, but the exemption can be obtained with a minimum spend of R$ 5,000 per month or investments from R$ 150,000.
How do I increase my Nubank Card limit?
The limit increase can be requested directly through the Nubank app, where the bank will carry out a new credit analysis.
Does the Nubank Card offer cashback?
Yes, the Nubank Ultraviolet Card offers 1% of cashback on all purchases, with automatic return.
