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First, read on to find out about the best debit and credit card options at the moment! Learn in detail about the benefits, how it works and how to apply for yours.
At first glance, debit and credit are the best payment methods today. However, both have their advantages and disadvantages. After all, it all depends on the customer's financial planning.
Many people still confuse credit and debit, but these are different payment functions. Each one needs to be used at the right time.
This way, you don’t compromise your budget at the end of the month and you can have good financial health.
In short, a credit card is a “type of loan” offered by lending institutions. This means that you use the established limit and pay only what you spend the following month.
A debit card uses your account balance to pay for a specific purchase. In other words, the money leaves the customer's checking account at that exact moment, as if it were a withdrawal.
Therefore, having a card with both debit and credit functions is essential. For this reason, We have selected the best debit and credit card options for you at the moment. Check them out!
1 – Agibank Debit and Credit Card
Our first recommendation is the debit and credit card. Agibank.
When you open your account at a financial institution, you will receive just one card so you can easily use the benefits of credit and debit simultaneously.
Regarding purchases made on credit, the customer has up to 40 days to pay. In the meantime, you can safely make purchases in physical and online stores.
Furthermore, all transactions and control can be done via the mobile app or internet banking.
The Agibank card brand is Mastercard International. Therefore, this means that you can make purchases both in Brazil and abroad.
Furthermore, by requesting the card through the App, the customer receives the first year of annual fees free.
The other fees are only R$$4.99 per month. However, if you spend more than R$$500.00 on your bill, have a salary credit or investment of at least R$$5,000.00 in the bank, the annual fee is free.
On the other hand, for requests made directly at a physical agency, the customer pays an annual fee of R$12.99 per month.
However, your card is ready immediately and you can leave the store and spend!
How to request the Agibank Debit and Credit Card?
First of all, the client has to open a digital bank account to order this card. In fact, this procedure can be done either through the app on your cell phone or at a physical branch.
Then, just apply for the Agibank multiple card. The bank carries out a credit analysis and upon approval you are notified via the app, email or cell phone.
2 – C6 Bank Multiple Card
From now on, the C6 Bank multiple card It's an excellent choice! This is because the digital account and financial products offered by the bank are among the best at the moment.
After all, this card option is credit and debit simultaneously and has no annual fee. In addition, The customer has the right to request 1 additional card completely free of charge.
One of the financial institution’s distinguishing features is its Loyalty Program, known as the “Atom Points Program”. In this program, points do not expire and you can use them whenever you see fit.
Above all, you can personalize your card according to your style, adding the name you prefer and selecting the best color.
Currently, the available colors are: blue, champagne, silver, pink and red.
Atoms Point Program
In short, with each purchase made using credit or debit, the customer accumulates points that can be exchanged for products, services, tickets or cashback.
As we already mentioned, your points do not expire and have no expiration date.
This way, you can use it whenever you want. Furthermore, you don't need to register to participate. Membership is automatic the moment the consumer becomes a C6 Bank customer.
Advantages of the C6 Bank Debit and Credit Card
- Free card and account: there are no fees for issuing the card or maintaining the account.
- Free withdrawals: the customer can make as many withdrawals as they want without paying fees. Carry out this procedure at any Banco 24 horas ATM.
- Toll and parking tag: more agility when paying tolls and parking. In addition, the customer does not need to pay a monthly fee to use the benefit.
- Points Program: automatic participation, without membership fees and points that do not expire.
How to apply for the C6 Bank Multiple Card?
The first step to applying for the C6 Bank Multiple Card is to open a digital account with the bank. This is done online, through the company's app.
Soon after the credit analysis the card arrives at the registered address within 15 business days.
3 – PicPay Credit and Debit Card
From now on, the PicPay It is a digital wallet that has become a favorite among Brazilians. When opening an account, the customer receives a multiple card that works as a credit and debit card.
However, in advance the company makes a credit analysis.
The card There are no annual fees and to use the wallet the customer does not need to pay maintenance fees. PicPay even has an exclusive cashback and QR payment system.
In other words, you buy and receive part of the amount spent back. You can also make payments using just your cell phone, without needing to carry a physical card in your wallet.
You can also make contactless payments, without inserting your card into the machine, and make purchases anywhere in the world. After all, the card is a Mastercard International card.
This way, you have the freedom to choose the best deals without limitations!
Advantages of the PicPay Debit and Credit Card
- Physical and digital card: the customer has the autonomy to carry out credit, debit and cash withdrawal operations.
- Debit function: the balance is debited directly from the PicPay digital wallet at the time the payment is made.
- Credit: you use the available limit and pay the bill on the chosen date.
How do I order a PicPay Card?
In order to open this card, you need to open a digital wallet at the institution. In fact, the customer completes the entire procedure through the app on their cell phone.
After that, check the notifications and see if you can request the CardDébito or the debit and credit function. The physical card will arrive at your home and the digital version will be ready immediately.
Read also: “How the PicPay Credit Card works”
4 – Itaú Multiple Mastercard Credit Card
Next, the Itaú Múltiplo Mastercard credit card performs both credit and debit functions simultaneously.
Including, with this financial product You can pay your bills such as water, electricity and telephone using the credit function.
In advance, the client also has 50% discount in cinemas, theaters and shows credentials. The credit limit is very advantageous and starts with a minimum of R$1,000.00.
However, to acquire this card you need to pay an annual fee. Currently, this amount corresponds to 8 installments of R$27.75.
Advantages of the Itaú Multiple Mastercard Credit Card
- Discounts of up to 50% at Itaú partner stores;
- Personal Credit for the customer without deducting from the credit card limit;
- Cash withdrawals both in Brazil and abroad;
- Life, home, education and bill protection insurance.
How do I apply for this card?
Firstly, to sign up for this card, the consumer must be an Itaú customer. Furthermore, this procedure can be done at a physical branch or via the app. “Open an Itaú Account”.
5 – Bradesco Elo Multiple Card
In principle, the Bradesco Elo multiple card is the perfect choice to make your day-to-day life easier.
After all, this financial product works like credit and debit and has the Elo brand, accepted in thousands of establishments.
However, to join you need to pay an annual fee. In the meantime, the amount corresponds to one installment of R$150.00 or 12 monthly installments of R$12.50.
Advantages of the Bradesco Elo Multiple Card
- Multiple card (credit and debit);
- Discounts at partner establishments;
- 40 days to pay for purchases made on credit;
- Information about card movements via email;
- Self-service distributed across more than 56 thousand ATMs throughout Brazil;
- Possibility of paying the invoice in up to 24 installments;
- Revolving credit, meaning you can refinance the amount of your invoice for another 30 days;
- The customer has exclusive access to pre-sales of selected national and international shows.
How to request a Bradesco Multiple Card?
Primarily, account holders of Bradesco Bank can make the request through the app or internet banking.
Non-account holders should go to a branch to open a checking account. In fact, you can pre-register and get the paperwork done in advance using the Bradesco App.
6 – Itaú Multiple Gold Mastercard
Sixthly, an excellent debit and credit option on the same card is the Itaú Múltiplo Gold Mastercard.
With this card you can make transfers, withdraw financial investments, pay bills, make purchases in installments and make cash payments.
At the same time, when the customer activates the multiple function, they automatically participate in the Sempre Presente Program. In this way, for every dollar spent, you earn 1 point.
Accumulate them and exchange them for various products or services from Itaú partner companies.
Currently, the The initial limit of this card is R$1,500.00 and the consumer has to pay an annual fee of R$111.00 in the first year. The remaining fees correspond to a value of R$220.00.
Advantages of the Itaú Multiple Gold Mastercard
- Email and SMS alerts about transactions made using the card;
- Debit and credit function;
- Free participation in the Sempre Presente Loyalty Program;
- Make payments using credit or debit and get 50% discount on cinemas, theaters, tourist attractions and parks;
- The card is accepted in Brazil and abroad.
How do I order the Itaú Gold Mastercard Debit and Credit Card?
To sign up for this card you must have a checking account at Itaú. You can open it at a nearby branch or through the bank's app.
7 – Santander Basic Debit and Credit Card
Finally, our last suggestion is the Santander Basic. You can use it in thousands of establishments in Brazil. You can also pay your bill in up to 12 installments when your budget is tight.
Another feature of this Santander product is the possibility of withdrawing money using the credit function and paying only on the invoice due date.
Manage your current account, withdraw money and make purchases in cash or installments with the convenience of using just one card.
First of all, to sign up for this Visa card, the customer must have a minimum income of R$1,045.00. The annual fee is very affordable, just 12 monthly payments of R$6.95.
Advantages of the Santander Basic Debit and Credit Card
- App Way: track all your transactions in real time through the app. In addition to being able to change the limit and use the card online to make purchases on the internet more securely.
- Basic Credit Card Insurance: the customer has the option of taking out insurance for the card by paying just R$$6.99. This way, you are protected against improper use due to loss, theft, robbery, withdrawals and purchases made online under duress.
- Automatic Update of Recurring Payments: if you request a new card or renew it, the number is updated automatically. This way, for registrations of recurring services, such as Netflix, for example, the change is instantaneous. In other words, You do not need to change the data already registered.
How do I apply for the Santander Basic Card?
The first step is to open a current account at Santander and the card application can be made at the branch or via the App.
If you are already a customer, simply access the Way App. It contains the cards available for your credit profile, and approval is immediate.
No time to wait? Click the button below and check out the best credit card options with immediate approval.
