Advertisements
The international card is a card that can be used to make purchases within and outside the country. You can unlock it to use on international trips, and you can also use the card on international websites and receive the product in Brazil.
In this post you will see:
- Why is it worth getting an International Credit Card?
- Who can apply for an international credit card?
- What is an international credit card and how does it work?
- What is the difference between the national and international card?
- Best International Credit Card Options in 2021;
- How to choose the best option.
In general, an international card has the same features as a national card, but it offers this added bonus, which is allowing purchases outside the country.
The invoice will arrive the same as for the national card, you pay it in the same way, you just need to be aware of the IOF and fees when making a purchase abroad.
When making purchases on foreign websites, you will pay a fee called IOF, which stands for 'tax on financial transactions'.
This is a federal government tax that is charged on certain types of transactions. The IOF varies daily based on the dollar exchange rate and, generally, your credit card will be based on the IOF on the day your statement closes. Therefore, you need to pay attention to the amounts.
In addition to the IOF, banks may charge other fees on international purchases. Therefore, be sure to take these fees into account when doing the math before making a purchase to make sure the transaction is worth it.
Why is it worth getting an International Credit Card?
By taking out an international credit card you can make purchases on international websites such as eBay, Amazon, AliExpress and others.
An international credit card is very useful for those planning to travel to another country, as it allows you to make withdrawals at authorized points of sale around the world.
It is also possible to purchase airline tickets abroad in advance, train tickets, book hotels, rent a car, book tourist tours and plan everything for the trip.
The annual fee for an international card is usually a little higher, but it also has extra benefits such as: discounts in stores, restaurants, hotels, theater, cinema, shows and some accumulate miles or points.
Who can apply for an international credit card?
To apply for your international credit card, you must meet certain requirements, which vary from institution to institution. A general rule is to be at least 18 years old, a requirement of the Central Bank of Brazil (BCB). Other conditions are:
- Open an account at a financial institution: the bank responsible for the card can request the opening of an account. In addition to building customer loyalty, this way It is easier to analyze the profile and offer a higher credit limit.
- Minimum income: Some international cards may require a minimum income. In this case, you will need to prove your income, otherwise you will not be approved. Although some do not request it, it can be a factor in approval.
Knowing all these requirements and considering your conditions, it will be easier to find a financial institution that will approve your international credit card. All of these factors will impact whether or not you are approved., so analyze it carefully.
What is an international credit card and how does it work?
A credit card is a great financial tool for times of need or simply for strategic purchases, when opting for interest-free installments ends up being the best option.
However, did you know that not just any credit card can be used outside of Brazil?
When traveling abroad, you must have an international card with you in order to be able to carry out your transactions smoothly and without errors.
This also applies to online purchases on foreign websites.
Having to deal with currency conversion or very high fees on your bill for making a purchase in another currency is something you won't have to worry about when you have an international card.
In addition to this advantage, in case of theft, robbery or loss, you do not run the risk of losing everything you have, since with a simple call to your operator you can block it.
More security and convenience for your purchases in currencies other than the real.
What is the difference between the national and international card?
The difference is quite simple.
As for the national credit card, you can only use it within national territory, that is, in your country.
In this case, these would be cards that only work in Brazil. If you try to use it in another circumstance, two things could happen:
- Not working;
- Accept the transaction, but charge abusive conversion fees on top of the amount.
The international credit card has a dual function. You can use it both in reais and in national territory, as well as in other currencies and in other countries.
Best International Credit Card Options in 2021
There are several international credit card options available on the market.
So that you can make the best choice for your profile and situation, check out the detailed guide below with the best and most sought-after options on the market.
Visa Azul Itaucard Platinum
How does it work?
The Azul Itaucard Visa Platinum card is a partnership between Banco Itaú and the Azul airline.
The card also has the Mastercard brand option, but in the case of the Mastercard card the required income ends up being higher, 7 thousand reais per month, at least.
While with the Visa Azul Itaucard the minimum income required is 5 thousand reais.
With this international credit card, all your expenses are converted into miles and sent directly to your TudoAzul account.
Its annual fee costs R$616.00, which can be divided into 12 installments of R$51.33. However, if you have expenses of R$4,000 or more on your bill, every month, your annual fee will be free.
By reaching half of this amount, you also have the advantage of being able to reduce your annual fee by 50% of the amount. Cool, isn't it?
Another point that is also cool, for new customers, is that, if in your first 3 months of using the card your bill reaches the expense of R$$4,000 per month, you earn 12 thousand bonus points.
What are the advantages of the Visa Azul Itaucard Platinum international credit card?
- No annual fee spending R$4,000 on purchases per invoice;
- Half of the annual fee on expenses starting from R$1,000 per invoice;
- When using R$ 4k per invoice, during the first 3 months, you are rewarded with 12k points.
- 10% discount on Azul tickets, TudoAzul club, purchase of points and at Azul Viagens;
- 2.6 points per US$ on purchases at Azul and 2.2 points per US$ on purchases;
- 2 free bags on domestic flights and international flights (USA/Europe); 1 free bag on flights to South America;
- VIP lounges in Viracopos (international boarding) and Congonhas (domestic boarding) Main and additional;
- Free flight advance;
- Payment in up to 21 interest-free installments on Azul tickets;
- Blue Space;
- Points valid for 36 months;
- Sapphire Category in the TudoAzul Program.
How to apply?
You can make the request online, directly from the Itaú website. Click here and complete your registration.
Important details!
| Annuity | R$616.00 (12x 51.33) |
| Flag | Visa |
| Revolving interest | Gift (value not disclosed) |
Next International Credit Card
How does it work?
To have your Next International credit card you must have an account at the same bank.
As it is a digital 100% bank, you can create this account yourself on your cell phone, in a simple, easy and quick way.
There is no minimum income required to apply, however a credit analysis will be carried out for approval.
Next has a great benefits platform.
There are more than 350 partners in different areas (transportation, food, education and entertainment).
In addition to CashBack on more than 200 brands, that is, a percentage of the amount paid for the purchase goes back to your current account.
What are the advantages of the Next international credit card?
- Zero annual fee, regardless of the amount spent on the card;
- Special discounts in selected stores;
- With each transaction made on your Next international card, a new donation is made by Visa to a cause (animals, education, the elderly, etc.);
How to apply?
In the Next app itself, after creating your account, in the credit card section, click on request and fill in the details.
Important details!
| Annuity | R$ 0.00 |
| Flag | Visa |
| Revolving interest | Not informed |
Itaucard Latam Pass
How does it work?
The Itaucard Latam Pass card is a partnership between Banco Itaú and Latam Pass.
With this international credit card, All your expenses are converted into miles and sent directly to your Latam account.
Your annual fee is R$324.00, which can be divided into 12 installments of R$27.00. However, if you have expenses of R$1,000 or more on your invoice, every month, your annual fee will be free.
To apply for this card, you must have a minimum income of 800 reais per month, and you may or may not already be an Itaú bank customer.
What are the advantages of the Latam Pass Itaucard international credit card?
- Free annual fee by spending R$ 1,000 per invoice;
- 1.63 LATAM PASS points for every dollar spent on purchases;
- LATAM Airlines airline tickets divided into up to 10 interest-free installments;
- Exclusive promotions for redeeming airline tickets;
- 30% discount on the purchase of LATAM PASS points;
- 50% discount at cinemas in the Itaucard accredited network.
How to apply?
You can make the request online, directly from the Itaú website. Click here and complete your registration.
Important details!
| Annuity | R$ 324.00 (12x 27.00) |
| Flag | MasterCard |
| Revolving interest | Gift (value not disclosed) |
Santander SX
How does it work?
THE Santander SX It is a credit card created by Banco Santander, with the possibility of zero annual fees, if you spend 100 reais on the monthly bill.
Or, register your CPF and cell phone as Pix keys at Santander
Its annual fee is charged monthly and costs 12 installments of R$$33.25, if you cannot get the zero annual fee benefit by spending R$100 per month on purchases.
To apply for this card, you must have a minimum income of 1,045 reais for non-account holders and 500 reais for Santander bank account holders.
What are the advantages of the Santander SX international credit card?
- Visa Gold Benefits;
- Possibility of eliminating the annual fee, even if you spend little;
- Up to 5 additional cards;
- Discounts at Santander Esfera;
- Withdraw money using the debit option.
How to apply?
Visit the website to request your SX Visa card. Another option is to go to a Santander branch near you. You can also contact the call center by phone.
Important details!
| Annuity | 12x R$33.25 |
| Flag | Visa |
| Revolving interest | Not informed |
Saraiva International Credit Card
How does it work?
The Saraiva international credit card does not have a minimum income requirement to apply for it and, in addition, its annual fee is zero.
The Saraiva Card also offers some interesting benefits and points that can be converted into discounts or airline miles on Latam Pass.
What are the advantages of the Saraiva international credit card?
- No annual fee;
- Accumulation of points that can be converted into discounts or airline miles;
- Special offers and discounts;
- Benefits of the Visa program;
- Free additional card.
How to apply?
THE Saraiva card can only be requested through the Saraiva and Banco do Brasil websites (at branches, website or app).
Important details!
| Annuity | R$ 0.00 |
| Flag | Visa |
| Revolving interest | Not informed |
DOTZ BV International
How does it work?
The international credit card Dotz Bv It has the Mastercard flag and has a points program, called Dotz by the company.
Points are allocated according to your spending on the card.
They can be exchanged for subscriptions, cell phone credit, theater, cinema, delivery, bill payment, air miles, among others.
His annual fee costs R$114.51, which can be divided into 3 installments of R$38.17.
You can get discounts on your bill, and even eliminate it, if your expenses are as follows:
- Expenses above R$450.00 per month: 25% discount;
- More than R$900.00: 50%;
- More than R$1,350.00: 75%;
- More than R$1,800.00: 100%.
To apply for this card, you must have a minimum income of 1,000 reais per month.
What are the advantages of the DOTZ BV international credit card?
- Chance to clear the annual fee;
- Easy card ordering;
- Variety in the use of points.
How to apply?
Directly through the company's official website.
Important details!
| Annuity | R$114.51 (3x 38.17) |
| Flag | MasterCard |
| Revolving interest | Not informed |
Nubank Ultraviolet
How does it work?
THE Nubank Ultraviolet card It is an international credit card that has an annual fee of R$588.00, which can be divided into 12 installments of R$49.00.
However, if you have expenses of at least R$5,000 in the last 3 months or have more than R$150,000 invested in Nuconta, you will not pay any annual fee.
What are the advantages of the Nubank Ultravioleta international credit card?
- Most of the benefits are offered by Mastercard, not Nubank.
- Unlimited and free access to the Mastercard Black VIP Lounge in Guarulhos. Other VIP Lounge Key lounges for US$$ 32/person each access;
- Free international health insurance issuance, whenever you purchase tickets using your Ultraviolet;
- Coverage in cases of loss or misplacement of luggage during your travels;
- Protection against accidental damage, theft or qualified robbery for 90 days after purchase of products.
How to apply?
To get your Nubank Ultravioleta, the first step is to sign up to the interest list.
You will need to undergo a credit analysis to be approved. They do not require proof of income.
Important details!
| Annuity | R$ 588.00 (12x 49.00) |
| Flag | MasterCard |
| Revolving interest | 2,75% to 14,00% per month |
How to choose the best option?
The choice depends a lot on points that are important to you, but I will give you some help here on how to make this decision correctly.
Analyze the guide in full, observing each of the options, all the rules, details, annual fees, charges, per operation performed, etc.
In every transaction carried out via credit card, there is the famous IOF – Tax on Financial Transactions.
Also see the additional services that are offered as benefits (airline miles, discounts at partner stores and companies, travel insurance, life insurance, invoice discount, etc.).
Every card will have its advantage and disadvantage.
Put it on a scale and decide which points are most important to you. After that, it will be easier to have a decision in mind.
An international credit card can be a great friend in your daily life and when traveling, such as a purchase, for example, that was not planned and you can only pay for when the trip is over.
Furthermore, the international card is very useful in places where there are no ATMs to make withdrawals or when the currency you have on hand is easy to exchange.
Tell me in the comments below, which card do you think is most appropriate for you? After this pandemic, which trip would you take with you?
