Description
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Novucard credit card annual fee
This card does not charge an annual fee to its users, making it a good alternative for those looking to save money.
When you apply, you will open a digital account at alt.bank, the monthly fee for which is also free.
Minimum income
Proving income is a good alternative to obtain credit more easily. However, this fintech does not have any minimum income requirement.
Therefore, this will not be an impediment for anyone who wants to apply for this credit card.
Card Type: National and International
The Novucard, in addition to being accepted throughout Brazil, can also be used abroad with ease, as it has international coverage.
Flag: Visa
This card is only issued under the Visa brand. It is widely accepted and is available in over 200 countries and territories.
Therefore, it can be taken anywhere you go, as it will be accepted.
In addition to having a card with good acceptance, you can count on the benefits offered by the brand, for example, Go Visa Program.
Limit
This card also stands out for its credit limit, you can get a credit card with a limit of up to R$1,400,000, depending on your financial profile.
Even if you start with the minimum limit of R$50.00, you can increase this credit through some actions, for example:
- Investing money in Cofrinhu;
- Keeping your name clean and free of debt;
- Using the Novucard debit card to pay for your purchases;
- Receiving your salary in your alt.bank digital account.
Main rates and fees
Card fees range from 9.9% to 13.9%. It offers free annual fees, account opening and duplicate card.
However, from the third copy onwards, you will pay a fee of R$15.00.
The fee charged for withdrawal is R$6.90 + fee of 9.9%. Which makes the action disadvantageous. Transfer the money to a digital account with free withdrawal.
In revolving credit, the interest rate varies between 9.9% to 14.9% per month.
Advantages of the Novucard credit card
This card is simple; ideal for everyday purchases. In addition to being economical, since it does not charge an annual or monthly fee, it also offers the following benefits:
- Free additional card;
- Virtual card with CVV that changes all the time;
- 10 more days to pay the invoice;
- Discounts and special offers at alt.bank partner stores and brands;
- Up to 2% cash back in the first 30 days.
To enjoy even more benefits and advantages, you need to invest your money in the Cofrinhu function.
The money invested yields up to 100% of the CDI and the amount is converted into a credit limit, but continues to yield while you use it.
This investment model is protected by the FGC, Credit Guarantee Fund, therefore, in addition to yielding more than savings, it is also safer.
How to apply?
Those interested in apply for the Novucard credit card you just need to download the application available for Android and IOS.
Then, register by providing the required data, and finally, wait for the account to be approved.
Approval takes place in just a few minutes, but there are cases where this period may take longer due to high demand for the card.
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