The Neon Pre-Approved Card is one of the most practical digital banking solutions in Brazil. It offers flexibility, security, and modern tools for daily payments.
With a streamlined application process, Brazilians can easily access this card without facing the traditional barriers of banks.
This article explains how it works, what benefits it brings, and how you can apply today.
What is the Neon Pre-Approved Card?
The Neon Pre-Approved Card is a digital financial tool created to simplify payments.
It combines global acceptance with modern features designed for online and physical purchases.
Card Type and Features
The Neon card works under the Mastercard network, ensuring broad acceptance worldwide. You can use it for online purchases, in physical stores, and for cash withdrawals at ATMs.
It comes in versions like Neon Free, Neon Plus, Neon Global, and Neon Metal, each with different features.
For international users, Neon Global and Metal remove the exchange surcharge on purchases.
Pre-Approval Concept
Pre-approval means Neon already considers you eligible based on your profile. It reduces the waiting time and avoids the need for complex bank interviews.
Requirements often include identity checks, CPF validation, and a credit profile review. This makes the process faster and simpler than applying for traditional credit cards.
Benefits of the Neon Pre-Approved Card
The card offers benefits that go beyond simple payments. Brazilians value its flexibility, zero annual fee, and strong security.
- You get a free digital account when you open an account with Neon.
- Transactions can be tracked in real-time through the Neon app.
- You won’t pay an annual fee, making it cost-effective.
- The card supports mobile and contactless payments.
- You can freeze or unfreeze your card anytime in the app.
- Neon lets you personalize card designs in plastic, wood, or metal.
Accessibility in Brazil
The Neon card is widely accepted in Brazilian shops and online stores. It works smoothly with PIX and boleto, popular local payment systems. Cash can be withdrawn at ATMs nationwide and abroad.
For tech-savvy users, the card integrates with Apple Pay, Google Pay, Samsung Pay, Garmin Pay, and SwatchPAY. These integrations make it highly convenient for everyday spending.
Requirements to Apply
To get a Neon Pre-Approved Card, you need to meet a few eligibility rules. These requirements ensure the process is smooth and compliant with regulations.
Eligibility Criteria
Applicants must be at least 18 years old. A valid CPF (Cadastro de Pessoa Física) is required.
Residency in Brazil is necessary to open the account. Some pre-approval offers may also consider your income profile.
Documents Needed
You will need to provide a government-issued ID (RG or CNH). Proof of residence may also be requested.
A valid mobile number and email address are essential for app access. These documents are uploaded directly through the Neon app.
Step-By-Step Application Process
Applying is simple and can be completed entirely online. The steps are quick and user-friendly, making it easy for anyone to apply.
Application Steps
The process of getting your Neon Pre-Approved Card is straightforward. Follow these steps to complete your application quickly.
- Download the Neon App on Android or iOS.
- Register Your Account and verify your CPF.
- Upload Documents like ID and proof of address.
- Wait for Approval through Neon’s automated checks.
- Receive the Card by mail within one or two weeks.
Delivery and Activation
Once the card arrives, activation is done in the app. You can create or change your PIN directly within Neon or at any Brazilian ATM.
Delivery usually takes one to two weeks, depending on your region. After activation, the card is ready for local and international payments.
Fees and Charges
Neon promotes transparency in fees. While many services are free, it’s important to know where charges apply.
Standard Fees
The Neon account has no maintenance fee. Replacement cards may cost around R$20.
Some plans, like Global and Metal, may include monthly costs. International withdrawals can carry ATM charges depending on location.
Comparing Plans
Neon Free has no monthly fee but includes basic features. Neon Plus includes added benefits such as higher withdrawal limits.
Neon Global offers currency exchange without surcharges. Neon Metal combines premium services with a stylish design but includes a monthly fee.
Security and Protection
Security is a top priority for Neon cardholders. You have full control of your card through the app.
Security Tools
All transactions generate real-time notifications. You can freeze or unfreeze your card instantly from your phone.
Sensitive data is encrypted for safety. The app requires biometric login, adding another layer of protection.
Fraud and Dispute Support
In cases of unauthorized transactions, you can contact Neon support. Refunds are usually handled promptly after investigation.
The support team may request a confirmation slip. This ensures users are protected against fraud and losses.
Using the Neon Card in Brazil and Abroad
The Neon Pre-Approved Card is designed for local and international use. Its Mastercard support makes it versatile.
Domestic Usage
The card is accepted in supermarkets, restaurants, and online platforms in Brazil. It works with PIX and boleto payments directly from the app.
Utility bills and subscriptions can be paid using the card. For daily use, it functions as a digital payment solution.
International Usage
For international purchases, Neon Global and Metal users pay no exchange surcharge. The card works at ATMs worldwide where Mastercard is accepted.
International e-commerce sites also accept Neon cards. This makes it ideal for Brazilians who travel or shop abroad.
Mobile and Contactless Payments
Technology allows Neon users to pay without a physical card. This feature is growing in Brazil’s digital economy.
Compatible Services
Neon Mastercard is compatible with Apple Pay and Google Pay. It also works with Samsung Pay and Garmin Pay.
SwatchPAY and Fidesmo Pay are supported for wearable payments. These services expand payment options beyond traditional cards.
Common Issues and Solutions
Every system can face problems, but Neon offers quick fixes. Most issues are solved through app tools or customer support.
Frequent Issues
Some Neon users may face small issues with their card. Most of these problems have simple solutions.
- The card is not working at certain merchants abroad.
- App login errors due to outdated versions.
- Delayed card delivery in some regions.
- SwatchPAY requiring reactivation after updates.
Customer Support
Neon support is available directly through the app. You can also contact them at service@neon-free.ch for global issues.
Most inquiries receive a response within days. Providing details and confirmation slips speeds up resolution.
Alternatives to Neon Pre-Approved Card in Brazil
It’s helpful to compare Neon with other digital banks. Brazilians have several pre-approved card options.
Popular Alternatives
Nubank offers a free digital account and credit card. Banco Inter provides fee-free services and investment tools.
C6 Bank offers customized cards and cashback programs. Traditional banks like Itaú and Bradesco also offer digital cards but with stricter requirements.
Is the Neon Pre-Approved Card Right for You?
The decision to apply depends on your financial profile. Different users gain different benefits from Neon.
Best For
Students benefit from the no-fee structure and easy approval. Freelancers value the expense tracking and digital tools.
Digital-first users enjoy mobile and wearable payments. Travelers benefit from global acceptance and no exchange surcharge.
Disclaimer
The information in this article is for general guidance about the Neon Pre-Approved Card. Details such as eligibility, fees, and benefits may change over time.
Always check the official Neon website or app for the most updated information before applying.
Conclusion: Start Your Application Today
The Neon Pre-Approved Card is one of the most convenient financial products in Brazil. It offers security, no annual fee, and modern tools for digital payments.
With a fast application process, it’s accessible for many users. If you meet the requirements, download the Neon app and apply now to enjoy its benefits.
