The Banco Inter credit card is a free international card that connects directly to your digital checking account.
You can use it for purchases both in Brazil and abroad without paying annual fees.
All management, from activation to expense tracking, happens through the Banco Inter app for full control and convenience.
About the Credit Card
The Banco Inter credit card is a free international card linked to your digital account, allowing you to shop online or abroad with no annual fee.
You can manage everything—from activation to payments—directly in the Banco Inter app.
Key Features
The card offers practical features that make it easy to use and manage anywhere. Here are the main features that set it apart from traditional cards:
- International Use: Accepted worldwide for online and in-store purchases.
- No Annual Fee: Completely free with no hidden maintenance charges.
- Digital Integration: Full control through the Banco Inter app.
- Virtual and Physical Card: Use instantly online while waiting for the physical version.
- Real-Time Notifications: Instant alerts for every transaction.
- Contactless Payments: Supports NFC for quick, tap-to-pay convenience.
- Security Features: Option to lock, unlock, or set limits in the app anytime.
Card Benefits
The Banco Inter credit card offers a range of benefits that make everyday spending easier and more rewarding.
These advantages help you save money, stay in control, and shop with confidence both in Brazil and abroad:
- No Annual Fee: Enjoy full credit card access without paying yearly charges.
- International Purchases: Use your card anywhere Visa or Mastercard is accepted.
- Cashback Program: Earn a percentage back on eligible transactions.
- App Management: Track spending, view bills, and control limits directly in the app.
- Interest-Free Installments: Split purchases into monthly payments at partner stores.
- Security & Alerts: Receive real-time purchase notifications and instantly lock your card if needed.
Eligibility Requirements
To apply for a free international credit card, you must meet a few simple requirements. These ensure eligibility and a quick approval process:
- Minimum Age: You must be at least 18 years old.
- Residency: Applicants must be residing in Brazil and hold a valid CPF.
- Digital Account: An active account with the issuing bank is required.
- Proof of Income: Provide documentation showing consistent earnings.
- Credit Check: Approval is contingent upon your credit history and financial profile.
- Valid ID: A government-issued photo ID is required for verification purposes.
Application Process (Step-by-Step)
Applying for a Banco Inter credit card is a simple process that can be completed entirely online. Follow these clear steps to complete your application and get approved quickly:
- Open a Digital Account: Download the mobile app and create your account if you don’t already have one.
- Access the Credit Card Section: Log in and go to the credit card request area in the app menu.
- Fill Out the Form: Enter your personal and financial details accurately.
- Upload Documents: Submit your ID, proof of income, and any required verification documents.
- Wait for Credit Analysis: The bank reviews your information to determine eligibility and credit limit.
- Receive Approval Notification: If approved, you’ll get an in-app notification and email confirmation.
- Activate the Card: Use the app to activate your virtual or physical card and start using it immediately.
Interest Rates & Fees
To understand the true cost of the credit card, it’s essential to examine the interest rates and fees. Below are the key charges you may face when using the card.
- Annual Fee: Free of charge — you don’t pay any yearly maintenance fee to keep the card active.
- Replacement Card Fee: R$ 10,00 charged if you request a second physical card or replacement due to loss or damage.
- Cash Withdrawal in Brazil: R$ 30,00 per transaction when withdrawing cash at national ATMs using your credit card.
- Cash Withdrawal Abroad: R$ 40,00 for each withdrawal made outside Brazil, plus conversion and IOF taxes.
- Rotative Credit Interest (Late Payment): Up to 16 % per month + IOF, applied when the full bill is not paid by the due date.
- Invoice Installment Interest: Up to 11.90 % per month + IOF, for those who choose to split their monthly bill.
- Foreign Purchase Fee: Currency conversion applies a spread of 4.99% + 3.38% IOF, applicable to international transactions.
- Emergency Credit Evaluation Fee: R$ 50,00 charged when an emergency credit analysis is performed.
- Bill Payment via Credit Function: R$ 40,00 when using your card’s credit limit to pay bills or boletos.
Managing Your Card in the App
You can manage every aspect of your credit card directly through the mobile app, giving you complete control over spending, payments, and security.
Here’s how to make the most of the available tools:
- Card Activation: Activate your physical or virtual card instantly after approval, without needing to visit a branch.
- Set Spending Limits: Adjust your daily or monthly limits to control expenses and stay within budget.
- View Transactions in Real Time: Check recent purchases, pending charges, and available balance anytime.
- Pay Your Bill: Access your monthly statement, generate payment slips (boletos), or schedule automatic payments.
- Enable or Disable International Use: Turn on or off foreign transaction permissions with a single tap for added security.
- Lock or Unlock the Card: Temporarily block the card in case of loss or theft, and easily unlock it when recovered.
- Request Limit Increase: Apply for a higher limit directly through the app based on your payment history.
- Monitor Cashback and Rewards: Track earned cashback or points and redeem them within the same interface.
Responsible Use Tips
Using your credit card wisely helps you avoid debt and maintain a healthy credit score.
Here are practical tips to manage it responsibly and keep your finances under control:
- Pay the Full Balance: Always pay your bill in full each month to avoid interest charges.
- Keep Utilization Low: Try to use less than 30% of your credit limit to demonstrate good financial management.
- Monitor Transactions: Check your app regularly to spot any unusual or unauthorized purchases.
- Avoid Cash Withdrawals: Use your card only for purchases, as cash advances incur higher fees and interest.
- Use Alerts and Reminders: Turn on payment notifications in the app to never miss a due date.
Contact & Support Information
Here are the verified contact and support channels you can use to get help or resolve issues related to your credit card and account.
Central de Atendimento (Customer Support):
- 3003 4070 — for capital cities and metropolitan areas
- 0800 940 0007 — for other locations
SAC (Customer Service / Complaints):
- 0800 940 9999 — 24h service for suggestions, complaints, cancellations
- From abroad: +55 (11) 2889 5731
Ouvidoria (Ombudsman):
- 0800 940 7772 — for unresolved issues after other channels, Mon–Fri 9 h to 18 h
- An online ouvidoria channel is available for submitting complaints
Chat / Virtual Assistant:
- You can use the in-app chat or the web chat via the “Central de ajuda” section.
- The assistant “Babi” helps with common issues and can escalate to human support if needed.
Office / Headquarters Address:
- Av. Barbacena, 1219 – Santo Agostinho, Belo Horizonte, Minas Gerais, Brazil, CEP 30190-131
Official Email for Legal & Administrative Matters:
- oficios@bancointer.com.br — used for court documents and official notices
To Conclude
The Banco Inter credit card offers flexibility, zero annual fees, and complete control through the mobile app, making it a smart choice for modern users.
With transparent rates and quick approval, it’s designed to simplify your financial life at home or abroad.
Apply today through the official app or website and start enjoying secure, global purchases with no extra cost.
Disclaimer
All information, including fees and interest rates, is based on publicly available data and is subject to change without prior notice.
Approval for the credit card depends on the issuer’s credit analysis and internal policies.
