Inter offers a selection of credit cards tailored to different user needs. All cards are managed through a free digital account that comes with no monthly fees.
Whether you’re a frequent traveler or looking for everyday cash back, there’s an Inter Card that fits your profile. This guide shows you how to find the best one for you and apply easily.
Inter Card Options Explained
Inter provides different card types with tiered benefits. Each card shares core features, such as no annual fee and international payment support.
Inter Gold Card
The Gold Card is ideal for those seeking simplicity and rewards. You get 1 Inter Loop point for every R$10 spent.
Points can be redeemed for cash back, travel, or digital purchases. The card is valid globally and supports contactless payments.
You also get access to Inter’s Super App. There’s no income requirement, but your profile is reviewed.
Inter Platinum and Prime Cards
Platinum and Prime cards are for more experienced users. They offer airport lounge access, priority service, and higher credit limits.
You still earn 1 Loop point per R$10. The Prime Card may come with travel insurance and extra perks.
Approval usually requires a stronger credit profile. You apply through the same process inside the app.
Inter Win Card
The Win Card is an exclusive product with premium rewards. It is invitation-only and targets high-income users.
You get advanced concierge services and higher points redemption rates. Lounge access, VIP support, and cashback are enhanced.
Ideal for those who spend heavily and desire elite service. Availability is limited.
Inter Loop Points Program
You earn points with every purchase using Inter Cards. Points can be redeemed for practical financial benefits.
- Earn 1 point for every R$10 spent.
- Redeem for cashback credited to your account.
- Exchange for travel miles or dollars in your Global Account.
- Invest in “My Piggy” directly from your rewards.
- Access VIP Lounge benefits with points.
- Use points for discounts in the Inter Shop or on bills.
Why Inter Cards Stand Out
These cards come with practical tools that simplify your spending. They help you control, track, and maximize your financial activity.
No Annual Fee Benefit
All Inter cards are free from yearly fees. This is a significant difference from traditional banks. Even Platinum or Prime options remain cost-free.
You get premium service without hidden charges. It’s ideal for budget-conscious users. There’s no catch in the long term.
Contactless and Digital Wallets
Payments are fast, secure, and modern. Inter Cards utilize contactless technology for tap-to-pay functionality.
They also support Google Pay, Apple Pay, Samsung Pay, and even WhatsApp Pay.
You can pay using a watch, phone, or bracelet. This is great for safety and convenience. You skip carrying a physical card.
Super App Integration
The Inter Super App puts everything in one place. You can create a virtual card for online shopping. Purchases can be split into up to 8 installments.
You can track spending by category or vendor. You can even pay installments early to avoid fees. It’s fully app-based and very intuitive.
Boosting Your Credit Limit
You can invest money to increase your limit. When you deposit into “Poupança Mais Limite” or “CDB Mais Limite”, your credit line rises.
This gives you flexibility if your income is limited. The process is instant and can be accessed through the app. There’s no paperwork required. It helps you build a better credit profile.
Application Process for Inter Cards
You need to open a free Inter Digital Account first. The application for the credit card is done inside the app.
- Download the Inter App from the Google Play Store or App Store.
- Register your account with your ID and complete the identity check.
- Access the credit card section inside the app.
- Please fill out the request and submit your income information if required.
- Wait for approval. You get the result by notification.
- If approved, your card will be sent to you by mail or made available as a virtual card.
Approval may take a few hours to a few days. A soft credit check is done to determine your eligibility.
Use Inter Card Internationally
Your Inter Card can be used abroad without issues. It works anywhere Mastercard is accepted. Foreign purchases still generate Loop points.
Currency conversion rates apply, and they are fair. It’s a smart option for travelers. There are no extra international service fees.
Interest Rates and Fees
The Inter Card has one of the most competitive rates in Brazil. Still, it’s important to review costs if you carry a balance.
- Rotative credit rate: up to 7.7% per month (varies by user profile).
- Late payment fine: 2% of outstanding amount plus daily interest.
- Installment purchases: may include fixed fees based on duration.
- Foreign exchange spread: around 4%, lower than most cards.
All these rates are visible in your Super App. Ensure you stay updated, as these may vary by profile.
Security Features
Inter ensures that your transactions are secure and tracked. You get real-time alerts and digital protection tools.
- Biometric login and two-step verification.
- Freeze/unfreeze your card instantly.
- Create disposable virtual cards for one-time purchases.
- Monitor all activity through the app dashboard.
- Strong encryption and fraud detection.
- Customer support available 24/7.
More with the Inter Digital Account
You need a digital account to apply for the card. But the account comes with its own substantial benefits.
- No monthly maintenance fee.
- Unlimited Pix transfers and withdrawals.
- Access to investments, bill payments, and salary portability.
- Deposit checks or boletos.
- Recharge mobile phones and shop in-app.
- Use Open Finance to link external accounts.
Inter Customer Service and Support
If you need help, Inter provides support through several official channels. Use these only for secure contact.
- Capital Regions: 3003 4070
- Other Locations: 0800 940 0007
- SAC: 0800 940 9999
- Ombudsman: 0800 940 7772
- Legal & Admin Letters: [email protected]
Inter will never call you to ask for passwords or transaction codes. Always initiate contact using these numbers yourself.
Disclaimer: The information in this article may change over time and vary depending on the user’s profile. Always verify details, rates, and terms on the official website. Visit the official website for the most up-to-date information.
Choose the Right InterCard for You
Inter offers an impressive mix of simplicity, reward potential, and innovative tools. Whether you choose the Gold, Prime, or aim for Win, you get value without annual fees.
The app-based management and transparent fees make it easy to stay in control. Apply today by downloading the Inter App and taking the first step to a more brilliant credit solution.
