It offers credit cards tailored to various financial needs, ranging from daily use to travel. You can apply for CAIXA credit card options that offer cash back, loyalty points, and exclusive perks, depending on the type.
This article helps you understand your options and how to apply. You’ll also learn how to get the best fees, points, and bonuses.
Types of CAIXA Credit Cards
Each CAIXA card serves a unique purpose. You should choose based on how you spend and what rewards are most important to you.
Elo Credit Cards
Elo cards are popular for their point system and extra benefits. Elo Diners Club gives 2.5 points per USD spent in Brazil and 3.5 abroad.
Nanquim offers 2.3 points domestically and 3.2 internationally. Grafite earns 1.6 points and Mais earns 1.2 points per USD. Points don’t expire and can be used in CAIXA’s loyalty program.
Visa Credit Cards
CAIXA Visa cards also offer flexible options for users. The Visa Infinite card gives 2.3 points per USD for domestic purchases and 3.2 points abroad.
Visa Platinum earns 1.6 points, and Visa Gold earns 1.2 points. These are suitable for travel and international use. Visa cards also qualify for Riachuelo shopping discounts.
Mastercard Credit Cards
Mastercard cards provide a competitive rewards structure. The CAIXA Black Mastercard gives 2.1 points per USD or BRL equivalent.
It includes travel perks and concierge services. Annual fee waivers apply with conditions. It suits high-income clients who travel frequently.
Who Can Apply for a CAIXA Credit Card?
To apply for a CAIXA card, you must meet specific conditions. These ensure you’re eligible for the best offers.
Basic Requirements
Applicants must be Brazilian residents. A valid CPF and proof of identity are required. You must be at least 18 years old. You’ll also need proof of income and a CAIXA account.
Special Cases
INSS retirees and pensioners can apply for a Consigned CAIXA Card. These cards have zero annual fees and lower interest rates.
Customers with a salary account at CAIXA receive fee discounts. This group also enjoys easier approval.
How to Apply for a CAIXA Credit Card?
You can apply online or at a CAIXA branch. Both methods are secure and accessible.
Using the CAIXA Cards App
This is the most convenient method. Download the CAIXA Cards App from your mobile store. Register using your CPF and personal details.
Choose the card and follow the steps to submit your request. Track your application inside the app.
Visiting a CAIXA Branch
Some clients prefer in-person service. Bring your original ID, CPF, and proof of income. Go to a CAIXA branch near you.
A consultant will assist you in submitting the request. They may also explain which card best fits your profile.
Best Conditions and Benefits
CAIXA gives users several opportunities to save and earn rewards. Promotions vary by card type and time of year.
Fee Waivers and Discounts
CAIXA offers 1-year fee waivers during seasonal promotions, such as Arraiá Cartões CAIXA. Customers with salary accounts enjoy a 90% discount on their remaining annual fees.
This applies to Gold, Platinum, Grafite, and Mais cards. These fee reductions are valid if salary deposits continue with CAIXA.
Reward Points System
Higher-tier cards provide better point accumulation. Elo Diners: 2.5 (domestic), 3.5 (international). Nanquim: 2.3 / 3.2. Visa Infinite: 2.3 / 3.2. Mastercard Black: 2.1 per USD spent.
Extra Partner Benefits
Cardholders enjoy added perks through promotions. These include:
- R$25 off Shopee (with coupon CAIXAELO0606)
- 60% off on Decolar and 10x installments
- 15% off at Riachuelo stores using Visa
- Healthcare discounts via Mais Saúde
Interest Rates and Fees
Interest rates vary by card and profile. Knowing this helps you avoid unnecessary charges.
Monthly Interest
Revolving credit rates range from 5.40% to 9.99% monthly. These apply when the minimum balance is not paid.
Cash advance rates may be higher. Always pay on time to avoid compounding interest.
Other Charges
Late payment fees, IOF taxes, and card replacement fees apply. Some cards offer grace periods or lower charges for payroll clients. Terms vary by product. Review the full pricing before applying.
Contact Information for CAIXA
If you have questions or need help, use these official channels. CAIXA provides several lines for support.
- Capitals & Metro Areas: 4004 0104
- Other Regions: 0800 104 0104
- Citizen Service: 0800 726 0207
- SAC (Complaints and Suggestions): 0800 726 0101
- Ombudsman: 0800 725 7474
These numbers operate during business hours. Keep your CPF and card info handy when calling.
Tips Before Applying
It’s essential to prepare before requesting a credit card. This improves your approval chances.
Steps to Follow
Get ready by following these steps to streamline your application process. A bit of preparation goes a long way in improving your chances.
- Check your Serasa credit score in advance to gain a better understanding of your credit standing.
- Choose a card based on your spending habits and the type of rewards you prefer.
- Prepare income and address documents that are current and easily verifiable.
- Verify that your CAIXA registration is up to date to avoid delays in the process.
- Use the app to simulate and compare card types that match your financial profile.
Maximize Your CAIXA Points
You can redeem your points for real benefits. Dotz and Clube CAIXA are the two main options.
Redeeming Points
Dotz lets you convert points into money. You can transfer funds directly to your account. Clube CAIXA offers discounts up to 80% on select products.
Both programs are available via app. Points from Elo and Visa cards are compatible.
Final Thoughts: Get the Most from Your CAIXA Credit Card
A CAIXA credit card offers substantial value with the right strategy. Select the card that aligns with your financial behavior.
Make use of point programs and seasonal offers. Apply today and enjoy top benefits with fewer fees.
Disclaimer: Interest rates, benefits, and conditions may change over time. Visit the official CAIXA website or use the CAIXA Cards App for updated information. Application approval depends on profile analysis and documentation.
