Caixa Simples Credit Card

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Caixa Econômica Federal recently launched a Caixa Simples credit card which, among other advantages, does not require consultation with the SPC or Serasa to be requested by the customer.

The bank similarly joined the wave of no-annual-fee cards, quite common in digital banks and fintechs. However, the Caixa Simples Card is focused on INSS retirees or pensioners, aged up to 75 years.

The card has no annual fee, but you must pay a fee of R$ 15 for its dispatch, and you can pay the amount in up to 3 installments on the account. The card does not have a monthly fee or a minimum usage limit so as not to be charged an annual fee.

The Simples Card has a much lower interest rate than a traditional card. The value is 2.85% per month for its use.

Furthermore, Caixa Simples does not consult the SPC or Serasa. Card installments are deducted directly from the payroll when a purchase is split. It is necessary to normalize your situation with Caixa to contract the service.

You can issue the service directly at Caixa branches. You need to provide some documents:

• RG;
• CPF;
• Proof of address ;
• INSS extract.

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What is it

The Caixa Simples Credit Card is for you, retirees or INSS pensioners, up to 75 years old, who want to enjoy life in complete safety. It offers the same facilities as conventional credit cards for you to make purchases in physical stores and online, in Brazil or abroad.

However, therefore, what is different about him?

• As stated, it is easy to reduce part of the monthly invoice payment, relative to the margin of 5% in the INSS benefit, which is the fundamental difference compared to the traditional credit card: part of the invoice value is automatically deducted from the benefit. !
• And there is more: 95% of the credit card limit can be turned into money in the account, just request it at the time of contracting. On this amount, revolving interest + IOF will be charged, calculated from the day the account is credited to the day the bill is paid.

Guidance! This choice can be used to pay off other debts with higher interest rates.

Check below and check out the benefits that the Caixa Simples card has for you.

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