Agibank is a financial institution that offers a variety of product solutions in this area. An Agibank Credit Card is part of your current account package and allows you to transfer funds free of charge.
With a wide variety of options on the market, it is important to understand the pros and cons, as these are the key indicators in finding the perfect credit card for you.
What is Agibank?
Although it started its banking business in 1999, today Agibank offers some opportunities for those who need financial solutions.
Although the agency focuses on digital services, it is important to remember that it also has physical branches. There are around 600 locations throughout Brazil. You can ask questions and make your investment decisions here.
To find the person closest to you, simply access the Agibank website and enter your state and city.
What products does Agibank offer?
Currently, Agibank offers the following product options:
- current account;
- loan;
- Multiple cards (credit and debit);
- Agibank Payment;
- Invest;
- safe;
- consortium.
Agibank credit card
The Agibank Credit Card is one of the bank's most popular items. With it, your account can be transferred through withdrawals and debit purchases. The credit feature can be activated after opening the account, but the bank will review it and may approve or deny your request.
The available version is MasterCard Standard. Despite being the brand's most basic version, it still offers some advantages, such as Mastercard Surpreenda.
Still on the card, Agibank imposes a very specific condition in the requests section.
If you apply for the card through the app, you can waive the 12-month annual fee. After that period, a monthly fee of R$4.99 will be charged. The annual fee amount can be withheld free of charge, however, you must meet some of the following conditions:
- Have a secured loan or residency at Agibank;
- Invoice equal to or greater than R$ 500;
- The minimum investment is R$ 5,000.
On the other hand, when requesting the card at one of the units, you will not have the free annual fee for 12 months and will need to pay the monthly amount of R$ 12.99.
This makes it more advantageous to apply through the app, as in addition to eliminating the need for disassociation, you can also get a discount on the annual fee.
The card has international coverage and allows you to make purchases in Brazil and abroad. It can also be customized. The cards requested through the app are available in four colors.
How to apply for an Agibank credit card?
To apply for an Agibank Credit Card with credit features, you will first need to open a digital account. After completing this process and accessing your account, you can request credit activation.
Don't forget that your credit card application will be reviewed by the bank, which may approve or deny your application.
If approved, remember to keep your bill payments up to date. Agibank has one of the highest revolving credit rates on the market, at an impressive 19,41% per month, according to the central bank's website as of June 12, 2020.
Agibank Digital Account
Agibank's digital accounts are very competitive when it comes to rates and benefits. First, we can conclude that it allows you to do some basic things, but with some benefits.
Despite offering free services, we cannot ignore the fact that most of them have limitations. So, here are the fees, limits and services available for the account:
When compared to some other digital banks, we can notice a certain contrast when it comes to fees. While C6 Bank offers these services for free, Agibank may offer more depending on your financial situation.
How to open an Agibank digital account
The process of opening an account with Agibank is very simple. The first step is to follow the instructions on our website and click on the “Apply now” button. After that, you will be redirected to the bank’s website, where you will have to fill out a short form.
Once you have completed the steps above, you will need to download the app, which is available on Google Play and Apple Stores for Android and iOS. There, you must complete the registration before the bank can review your data. Once everything is in order, your account will be released for all operations.
→ Apply for a high limit credit card! Click here to see cards with no minimum income requirement!
Other Agibank products
Agibank offers financial products that go far beyond cards and digital accounts. In order not to exclude them from the text, we will briefly introduce them. See what comes next for them.
Loan
This is a good option for those looking for credit. Agibank offers two lines of credit, one for each profile.
Agibank Payroll Loan
Agibank's payroll loan is only available to INSS retirees and pensioners. Therefore, it does not consult conservation agencies such as Serasa and SPC. In addition to the preferential rate, you can pay in up to 84 installments.
Agibank Personal Loan
Agibank personal loans are only available to military personnel, retirees, pensioners and civil servants who have used the loan title and deducted salaries.
Regarding applications for both types of loans, they must be made online only.
Agibank Payment
How about paying, transferring and receiving money using just your smartphone? With Agibank Pay, you can make banking transactions with a QR code. Remember, this feature works on Cielo machines and is completely free.
Investment with Agibank
The investment section is very complete. With it, you can invest your resources in CDB. In addition, the FGC also guarantees a secure application without paying any fees.
As this is a subject far removed from credit cards, we will not go into it in depth, as in the sections on investments, insurance and consortiums.
Safe
For those who want to take care of their cargo. Agibank offers three types of insurance:
home insurance;
car insurance;
life insurance.
If you want more details, you can check this and other information on the agency's official website.
→ Apply for a high-value credit card! Click here to see, no minimum income requirement!
Consortium with Agibank
The consortium section is open to anyone who wants to buy a house or a car. On the Agibank website, you can simulate your consortium to understand the rates and conditions that the bank offers you.
