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With no annual fee and a cashback program that deposits funds directly into your account, this card provides a complete financial experience integrated with the bank’s digital platform.
Disclaimer: You will be redirected to the official website.
Benefits of the Inter Card
- No annual fee – Use the card without paying monthly or annual fees.
- Direct cashback into your account – Get a percentage of your spending back automatically.
- Multi-functional card – Use the same card for both credit and debit transactions.
- Access to investments – Make investments directly through the app.
- Full financial management via the app – Manage expenses, limits, and payments easily and intuitively.
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Pros
- No annual fee, ensuring long-term savings
- Cashback deposited directly into your account for credit purchases
- International acceptance with no foreign transaction fees
- Comprehensive app with financial management tools
- Ability to invest and track earnings directly through the app
Cons
- Cashback is only available for credit purchases
- Customer service can be slow during peak hours
- Does not include a mileage program for redeeming airline tickets
about the card
The Banco Inter Card is an innovative and cost-effective solution for those looking for a credit card with no annual fee and exclusive financial benefits.
One of its key advantages is the absence of fees, allowing users to enjoy all its features without additional costs.
Additionally, Banco Inter offers cashback directly into your account and seamless integration with investments, enabling users to make and monitor investments without leaving the app.
If you’re looking for a modern, all-in-one financial tool that helps you save, the Banco Inter Card may be the perfect choice for your daily transactions.
How to Apply for the inter card
The Banco Inter Card application process is completely digital and can be done quickly and easily through the app.
REQUIREMENTS
- Must be 18 years or older
- Must have a valid CPF (Brazilian taxpayer ID)
- Must have a Banco Inter digital account
- Must meet the minimum income requirement for the desired card version
STEP-BY-STEP GUIDE
- Download the Banco Inter app from the Google Play Store or Apple App Store.
- Create a digital account if you don’t already have one.
- Go to the “Cards” section in the app menu.
- Request your card and wait for the credit analysis process.
- Once approved, the card will be shipped to your address.
If approved, you can start using the virtual version of the card immediately, even before receiving the physical card.
Disclaimer: You will be redirected to the official website.
BANCO INTER CARD VERSIONS
The Banco Inter Card is available in different versions, catering to a variety of customer profiles.
1. Banco Inter Standard Card
This is the basic version, ideal for those who want a no-annual-fee credit card with cashback.
- No annual fee
- Cashback deposited directly into your account
- National and international use with no additional fees
- Multi-functional card (credit and debit in one)
2. Banco Inter Black Card
Designed for high-income customers and investors, offering exclusive Mastercard Black benefits.
- 1% cashback on all purchases
- Access to VIP airport lounges
- Mastercard Black travel insurance and assistance
- No annual fee for customers with over R$250,000 in investments with Banco Inter
TRANSPARENCY AND FINANCIAL CONTROL
The Banco Inter Card stands out for its transparency and financial autonomy, allowing customers to track spending in real-time and manage their finances effortlessly.
Through the Banco Inter app, users can adjust their credit limit, monitor transactions, and pay bills without unnecessary bureaucracy.
Additionally, cashback deposited directly into the account and the absence of hidden fees ensure an excellent cost-benefit ratio for those looking to save money while maintaining financial control.
If you’re searching for a credit card with no hidden fees and full digital control, the Banco Inter Card could be the best option for you.
FEES AND CHARGES
Here are the main fees applicable to the Banco Inter Card:
| Fee Type | Amount |
|---|---|
| Annual Fee | None |
| Late Payment Interest | From 12.75% per month |
| Installment Fees | Variable according to contract |
| Credit Withdrawals | Fee applies based on Banco24Horas ATM network |
To avoid paying interest, always pay your bill on time and use credit responsibly.
How to Improve Your Credit Score to Get Approved for the inter CREDIT CARd
To increase your chances of approval and qualify for a higher credit limit, follow these best financial practices:
- Always pay your bills on time – Late payments negatively affect your credit score.
- Keep your credit utilization below 30% – Using too much of your limit can lower your score.
- Avoid applying for multiple credit accounts at once – Too many credit inquiries can decrease your score.
- Monitor your credit score regularly – Check your score on credit bureaus like Serasa and SPC to track improvements.
- Maintain old credit accounts – The length of your credit history positively impacts your score.
By adopting these good financial habits, you can improve your creditworthiness and access better credit opportunities in the future.
FINAL CONSIDERATIONS
The Banco Inter Card stands out in the market for its combination of savings, technology, and financial advantages. It is an ideal choice for those looking for a no-annual-fee credit card with cashback and digital financial management.
Its simple application process, investment integration, and international acceptance with no extra fees make Banco Inter an attractive option for consumers who value autonomy and savings.
If you need a card for national and international purchases, that offers app-based financial management and cashback on spending, the Banco Inter Card is an excellent choice.
However, if you prefer a mileage program or premium travel benefits, you may want to explore other card options.
Still, for those seeking a cost-effective and feature-rich credit card, Banco Inter provides an excellent value proposition.