Credit cards with no annual fee, which became popular with the arrival of Nubank, Next and C6 Bank in Brazil, offer other advantages that some users may not know about. Among the benefits are reward programs, which allow consumers to accumulate and exchange points for airline tickets, restaurant purchases or payment for digital services, such as Uber, iFood and Netflix. In addition, apps allow you to make investments and even pay tolls without stopping in lines.
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Other banks provide discounts on partner services to their customers. It is possible to obtain coupons to buy electronics, clothes, books, tickets and cheaper air tickets, without paying monthly fees or additional fees to be entitled to the offers. These advantages can be accessed directly by the application, easily. Check out five extra benefits provided by credit cards below.
Nubank and other digital banks have extra benefits Photo: Rodrigo Fernandes / TechTudo
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1. Reward plan: Nubank Rewards and C6 tomos Program
Some cards offer loyalty plans that guarantee rewards for the user. This is the case with the Nubank Rewards program, which grants one point for each dollar spent by the user with the Nubank credit card. Consumers can access their accumulated balance through the application itself and can redeem points on digital services, such as Netflix, iFood or Uber, in addition to restaurants and the purchase of airline tickets.
Any user can participate in the program, as long as they pay the monthly fee, which costs R $ 19.90 per month. According to the company, each 100 points accumulated is equivalent to R $ 1 in the redemption of digital services and restaurants, while 80 points pay R $ 1 in the purchase of airline tickets. According to Nubank, the points never expire.
Nubank Rewards is a carrier-specific loyalty program Photo: Divulgao / Nubank
C6 Bank also has its loyalty plan, the Tomos Program, which grants every R $ 1 spent in the debt 0.03 point, and 0.05 point in the credit. However, unlike Nubank, users of credit and debit cards without annual fees do not need to pay fees to participate in the program. Points can be redeemed for offers available within the C6 app itself, or transferred to popular miles programs, such as LATAM Pass, Smiles, TudoAzul and TAP Miles & Go.
2. Exclusive discounts: Benefit Shop (at Credicard Zero) and Mimos (at Next)
Credicard Zero users are entitled to access a benefit store with discounts at more than 30 bank partner companies. The list of companies is available in the application itself, and the user does not pay anything to obtain the benefit. You can find discounts on airfare, electronics, hotels, car rentals, clothing, restaurants and coupons to use at major retailers. The program has no limit, and the consumer can use the discounts as many times as he wants.
Credicard Zero has discounts on partners Photo: Reproduo / Bruno Soares
Banco Next users are entitled to receive Mimos, a term used by the bank to designate discounts on partner services. To use, you do not need to register, just have a current account, credit or debit card and access the discount page in the application. Among the offers, there are discounts on games, restaurants, accommodation services, bookstores, tickets to shows and events, language schools and trips on apps like Uber. Each supplier has its specific rules and conditions for receiving the discount.
Banco Next users can make investments and discover their investor profile through the app Foto: Divulgao / Banco Next
Next users can use the app to make investments, and can choose between fixed income or different funds and investment amounts, suitable for different types of investors. The initial applications have a minimum value of R $ 50, and the app guides the user on the characteristics of each variable. The app also helps the user to discover his investor profile, showing which investment options suit him best.
Users of C6 Bank cards can participate in C6 Taggy, an automatic toll payment service. Consumers registered with the service receive a sticker, which must be attached to the windshield of your car. When passing through toll roads, the cabins read the signals emitted by the sticker and release the gates automatically, preventing the vehicle from standing in rows. Meanwhile, payment is made automatically, debiting the user's account amount. This type of service is generally paid, but the C6 Taggy is free for bank users. The program can be used on tolls in various states of the country.
5. Mastercard Gold and Platinum on Nubank
Nubank Card can be Mastercard Gold or Platinum Photo: Divulgao / Nubank
The Nubank credit card is provided to all users at the time of approval of the Mastercard Gold banner. Among the benefits of this version, are extended warranty and insurance protection for purchases. However, some users with a different spending profile may receive the Platinum credit card later. This modality offers advantages for travel, such as consultancy, international offers and medical insurance. Anyone can request the Platinum version if they want. Nubank explains that these differences are not granted by the bank, but by Mastercard.
Via Nubank (1 and 2), C6 Bank (1 and 2), Credicard and Next (1 and 2)
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