Inter’s no-annual-fee cards bundle cashback, travel perks, and a powerful Super App that keeps every payment under control.
Your day-to-day spending earns rewards, while upgrades like lounge access and installment flexibility make the card useful for both routine purchases and trips abroad.
Inter Card Lineup
Choosing the right tier avoids paying for features you will not use while still unlocking discounts and rewards that match your habits.
Gold
Entry-friendly eligibility meets simple rewards, delivering 1 Loop point for every R$10 spent, global acceptance on the Mastercard network, and contactless payments through physical or virtual cards inside the Super App.
Platinum and Prime
Mid-tier options raise limits and comfort features, including priority service, occasional lounge access, and travel protections on selected variants, while keeping the same 1 point per R$10 earn rate.
Win (invite-only)
Top-tier access targets high spenders, adding enhanced redemption rates, concierge, VIP support, and broader lounge benefits; availability depends on Banco Inter’s internal invitation criteria.
Inter Loop Points: Earn and Redeem
Points translate into practical value when redemptions cover real expenses and travel, not just catalog items.
Earning
Every R$10 charged on eligible purchases generates 1 Loop point, including domestic and international transactions processed on the Mastercard flag.
Redemption
Points redeem to cashback credited to the digital account, mileage transfers, dollars in the Global Account, investments via Meu Porquinho, VIP lounge access, and discounts applied in Inter Shop or on bills, depending on current catalog rules.
Why Inter Cards Stand Out
Small frictions in daily payments waste money and time; these features remove both while keeping fees transparent.
No Annual Fee
All tiers, including Platinum, Prime, and invite-only Win, charge R$0 in annual fees, offering premium-style features without yearly maintenance costs.
Contactless and Digital Wallets
Tap-to-pay works on card, phone, watch, or bracelet, and compatibility includes Google Pay, Apple Pay, Samsung Pay, and even WhatsApp Pay for quick peer payments.
Super App control
Virtual cards support safer online purchases, installment splitting reaches up to 8x on eligible transactions, category tracking improves budgeting, and early payoff of installments helps reduce interest exposure.
Limit Growth Via Investment
Deposits in Poupança Mais Limite or CDB Mais Limite convert to immediate credit limit, creating flexibility for limited-income profiles and helping strengthen internal scoring over time.
Step-by-Step Application in the App
A short, accurate flow avoids rework and speeds up approval.
- Open a Banco Inter digital account inside the app and complete identity verification using official documents.
- Enter the Cartões area and select Solicitar cartão de crédito to start the request.
- Provide personal data and up-to-date income information, confirming accuracy before submission.
- Send the request for analysis and enable notifications to track progress in real time.
- Activate the virtual card after approval for immediate use, while the physical card ships to your address.
- Approval commonly arrives within hours to a few days, and Banco Inter performs a soft credit review aligned to your profile and account usage.
Eligibility and Basic Requirements
Card access requires Brazilian residency with a valid CPF, age of at least eighteen years, and an active Banco Inter digital account.
Clean credit behavior remains important, since internal analysis checks credit bureaus like Serasa or Boa Vista and weighs account activity during approval and limit reviews.
Tips to Improve Approval
Minor adjustments inside the app strengthen your profile during analysis.
- Keep regular movement through Pix, transfers, bill payments, and balance inflows to show consistent activity.
- Update declared income in the profile section to reflect current employment or proven revenue.
- Avoid rapid reapplications after recent denials, allowing a few months before retrying.
- Maintain on-time payments to prevent negative listings at credit bureaus and internal flags.
- Route salary to Banco Inter when possible to demonstrate reliability and boost internal scoring.
International Use and Travel Perks
Global acceptance on the Mastercard network enables in-store and online transactions abroad, while eligible foreign purchases continue earning Loop points.
Currency conversion uses Mastercard rates plus bank costs disclosed in the app, and published materials indicate fair pricing relative to typical Brazilian market practices; confirm exact fees before traveling to avoid surprises.
Rates and Charges at a Glance
Unexpected costs undermine rewards, so keep these typical items in view when carrying balances or buying abroad.
| Item | Typical Amount / Policy |
| Annual fee | R$0 across all tiers |
| Rotating credit (juros do rotativo) | Up to ~7.7% per month, profile-dependent |
| Late payment penalty | 2% of overdue amount, plus daily interest |
| Installment purchases | Fixed fees may apply based on term |
| International purchases | Mastercard exchange rate plus disclosed bank costs; materials cite ~1.1% international fee and ~4% FX spread, varying by profile |
Values in the Super App take precedence for your account and can change without prior notice, so periodic reviews remain essential.
Security and Control Tools
Biometric login and two-step verification protect access, while instant freeze and unfreeze controls restrict card misuse during doubts or loss.
Disposable virtual cards limit exposure for one-off online merchants, and real-time alerts help spot unfamiliar activity quickly. Strong encryption, automated fraud detection, and 24/7 customer support complete the protection stack.
Digital Account Benefits That Come With the Card
Unifying banking and card tools in one place reduces effort and fees for everyday money management.
Payments and Transfers
Pix transactions and Pix withdrawals operate without monthly maintenance fees, while standard bill payments, boletos, and check deposits integrate directly in the app.
Everyday Services
Mobile top-ups, in-app shopping, and salary portability streamline frequent tasks, and Open Finance lets the app link external accounts to centralize visibility.
Support and Official Contacts
Resolving card or account issues through official channels prevents fraud and speeds up solutions.
App Chat
In-app chat runs 24/7 for authentication-secure support across cards and accounts.
Phone and SAC
Capitals and metro regions: 3003 4070; other regions: 0800 940 0007; SAC: 0800 940 9999 for formal service requests and cancellations.
Ouvidoria and Legal
Escalations reach the Ouvidoria at 0800 940 7772; legal and administrative letters go to [email protected]. Official WhatsApp access occurs through app or website prompts only, never via unsolicited messages.
Banco Inter will never request passwords or transaction codes by phone, chat, or email. For your safety, please initiate contact using the numbers above.
Conclusion
A no-fee structure, Loop cashback, and robust app controls make the Inter Card a practical choice for everyday spending and travel, while Inter Shop partners offer special discounts and additional cashback.
Apply inside the Banco Inter app, pick the tier that matches your profile, and start using the virtual card immediately after approval.
Disclaimer
Information, fees, eligibility rules, and benefits are subject to change based on your profile and the time of year. Official details within the Banco Inter Super App and website supersede this guide, so please verify the current terms before applying or traveling.
