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With price protection insurance you no longer need to be afraid to go shopping, as you know that the lowest price is guaranteed.
One of the best deals companies offer is price matching of the competition.
With this offer, you can be sure that you will get a product at the lowest price, as you know that the competing company or brand will cover the difference, or sell it for a lower price.
Have you ever imagined having a credit card with this advantage? Where you can buy a product and if you find a lower price, you get a refund?
This benefit is known as price protection insurance and if you know how to use it correctly, it can be a great advantage.
Continue reading and find out more details. See our index below:
- What is price protection insurance?
- How does Mastercard price protection insurance work?
- How does Visa price protection insurance work?
- Cards with this benefit:
- 1. Unicred;
- 2. Vivo Itaucard;
- 3. Safe Harbor;
- 4. Pan Mastercard;
- Conclusion.
What is Price Protection Insurance?
THE price protection insurance It is a kind of benefit. With it, you can receive the difference if you find a product with a lower value.
This insurance is offered by the two main card brands on the market, Visa and Mastercard.
One of its main features is that this benefit is only available to high income credit cards.
Insurance rules may vary, depending on the terms and conditions of the company offering it, in this case, credit card companies.
Continue reading and see how it works in each company.
How does Mastercard Price Protection Insurance work?
When purchasing an item with a Mastercard credit card with the price protection insurance, If by chance, you find the same item with a lower value within 30 days, Mastercard will give you a refund.
This benefit has some coverage conditions, the main ones being:
- The purchase must have been made with a Mastercard Gold card.
- Your print or web ad must be published within 30 days of the date of your original purchase.
- The maximum benefit amount is $100 per occurrence, subject to a maximum of $200 per account during a 12-month period.
- The insured purchase must cost at least $50.
- The benefit only applies to purchases made in physical stores and Brazilian websites.
In addition, there is a list of eligible products. In this list you will find the list of products that are not covered and how to request the opening of a claim.
Among the eligible items, we find, for example:
- Electric barbecue;
- Minibar;
- Freezer;
- Espresso machine;
- Sewing machine;
- Dishwasher;
- Brewery;
- Massager;
- Pressure gauge;
- Yogurt maker;
- Ice cream maker.
To see the complete list and all the terms of the program, visit the Guide Mastercard Gold benefits.
Don't forget to keep your purchase receipt in a safe place. If you need to activate your price protection insurance, you will need this document.
How does Visa Price Protection insurance work?
The Visa benefit is valid for Gold, Platinum, Platinum Business, Visa Signature, Visa Signature Business, Visa Infinite and Visa Infinite Business cards.
This way, a greater number of users can enjoy the price protection insurance and make your purchases with greater satisfaction.
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The products must have an original purchase price equal to or greater than R$150.00 for this coverage to apply.
Refund requests must be submitted within four calendar days of finding the advertisement in print or online.
The benefit also only applies to items purchased in Brazil. Coverage is not offered by Visa, but rather by AIG Seguros Brasil SA.
However, you can request your refund through Visa's customer service channels.
Some benefit rules may vary depending on the card issuer, so before requesting your card, check the rules with the issuer.
To find out all the details, terms, conditions and eligible assets, visit the Benefits Portal and download the PDF for more information.
Now that you've discovered a little about the benefit and where to find more details, check out a special list of credit cards that offer the benefit below. price protection insurance.
Cards with this benefit
In this topic you will find some credit card options with great benefits, in particular, the price protection insurance. Check it out!
1. Unicred
Unicred has three options with this benefit: Visa Infinite, Platinum and Gold. In addition, they offer purchase protection insurance and the original extended warranty.
These cards are considered high-income cards, so they have many more benefits than traditional cards, however, they have a higher cost.
To request your card, access the Unicred website and see which option is best for you. To find out details before applying, lcheck out our content.
2. Vivo Itaucard 2.0 Post Visa Platinum credit card
This option is more accessible and easier to apply for. It is the result of a partnership between Banco Itaú and the operator Vivo.
The minimum income required to apply for yours is R$$5 thousand. It has an annual fee of R$$625.00. However, it can be paid in up to 12 installments.
Another more economical option from Vivo, which also offers the price protection insurance, is the Vivo Platinum.
In addition to there being no annual fee, the minimum income required is R$$800.00. Visit the Itaú website Cards and learn about this option.
If you prefer option 2.0, check more details before ordering.
3. Porto Seguro Mastercard Gold International
The Porto Seguro credit card is considered one of the best on the market for those who like to accumulate points and exchange them for miles and discounts on products.
The minimum income required is R$1,400,000, and it also has national and international coverage.
The annual fee costs R$420.00, but the first one is free. After 12 months, you can pay in 12 installments.
In addition to the price protection insurance, you have purchase protection, discounts at partner stores and on Porto Seguro products.
4. Pan Mastercard Gold International
The minimum income to apply for this card is R$2,500.00. Despite having an annual fee, the amount is affordable and you can divide it into small installments of R$29.16.
The card has national and international coverage, meaning you can make purchases in Brazil and abroad, without having to change cards when you travel.
Among the benefits it offers, we can highlight, for example:
- Cashback on invoice;
- Points program;
- Offers club: special discounts from online partners;
- Discounts on annual fees depending on expenses.
You can request yours on the Banco Pan Cartões website.
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Conclusion
With price protection insurance, you can have peace of mind when making your purchases, knowing that at some point, you will pay the lowest price.
Even if the benefit is not comprehensive, it is still worth taking advantage of. In addition, you end up acquiring the habit of researching more before making a purchase.
To use this insurance correctly, first of all, choose an advantageous card with the price protection insurance.
Please read the terms and conditions of the program carefully and take advantage when the opportunity arises.
