If you are in college and looking for a card that offers you several benefits, we have the solution for you. In this sense, in today's post we will talk about the Ourocard Universitário card and the Santander SX Universitário card.
Both cards offer exclusive benefits, as well as discounts on cultural events, programs offered by brands and much more. Come check it out!
Ourocard University Card
Firstly, the Ourocard Universitário was created by Banco do Brasil with students attending college in mind. The main feature of the card is that it does not have an annual fee. In fact, you don't even need to prove your income to get it.
In addition, the institution offers the user a pre-approved limit of R$1,500.00, that is, it does not perform a credit analysis prior to the launch. In addition, its brand is Visa International, which allows the card to be used in thousands of establishments around the world.
By having a Visa card, the customer will be eligible to participate in the Vai de Visa program. In addition, they will receive discounts at several partner establishments and services.
The card can be used for debit and credit purposes. Payment can be made through contacts and digital wallets.
To apply for the Ourocard university card, you must be between 16 and 28 years old and be attending a university. Therefore, those who do not meet the requirements will not be accepted. For those who have the card, if they no longer fit the profile, Banco do Brasil can change the type of card.
The card has an app that offers numerous features, including checking your card statement, checking your limit, balance, virtual card and much more.
→ Apply for a high limit credit card! Click here to see cards with no minimum income requirement!
Santander SX University Card
Therefore, just like its competitor, the Santander SX Universitário credit card does not require proof of income. Banco Santander offers two card options, Visa and Mastercard. In this sense, the user also has the right to participate in the Vai de Visa and Mastercard Surpreenda programs.
The card has an annual fee of R$399.00, which can be replaced by spending R$100.00 per month. In addition, it has several programs that help students. For example, university card insurance, educational partnerships and much more.
Your application can be submitted quickly and easily via the website. In fact, the card is verified via the Santander Way app. It is available free of charge for Android and iOS and contributes to greater user autonomy, as it allows the user to consult the invoice, view the balance and many other functions.
As for payment, the customer can pay the bill in up to 24 installments and pay the bills in up to 40 days. In addition, you can make a withdrawal with your credit limit.
What are the advantages of the Ourocard Universitário card?
As mentioned above, the main advantage of the Ourocard Universitário card is that it does not charge an annual fee. In addition, we can mention that the institution does not require proof of income.
Another interesting point is that it has multiple functions and, as it is an international visa, it can be used in several establishments around the world. Likewise, one advantage offered by the brand is the Vai de Visa points program. This offers discounts at partner stores, services and much more.
Finally, we can mention that other services available are: emergency withdrawal, travel insurance, virtual card, call center and much more.
What are the benefits of the Santander SX Universidade card?
Now let's talk about the benefits of Santander SX University. We can highlight that it brings numerous benefits to students. As mentioned above, it offers discounts on school supplies, university card insurance and much more.
It also has exclusive benefits offered by one of the possible brands. If the student chooses Mastercard, he/she will have access to Mastercard Surpreenda, while Visa will be Vai de Visa.
In short, after observing all the advantages, we can say that it is a card that favors the consumption of cultural events and programs. This is because its discounts are linked to them.
Another interesting point is its app, which offers several functions, such as checking the invoice, the limit, the available balance and much more. The user actually has the right to withdraw with the credit limit.
Finally, we can mention the advantages in relation to payment. Santander allows users to pay in up to 40 days and pay the bill in up to 24 installments.
What are the disadvantages of the Ourocard Universitário card?
One of the main disadvantages of the card is that it has an age limit to apply. Therefore, if you are a college student over the age of 28, you will not be able to get the card.
Furthermore, we can say that some features are missing, such as cashback, miles system and others.
What are the disadvantages of the Santander SX Universitário card?
The biggest disadvantage we can mention about the Santander SX Universitário card is that it charges a very high annual fee, R$399.00. However, you can waive this fee by spending R$100.00 per month.
Ourocard University Card or Santander SX University Card: which one to choose?
By analyzing the features of each card, it becomes easier to choose the one that best fits your profile. In addition, it is important to carefully evaluate your needs at this time.
Finally, before signing up, we suggest that you carefully read all the conditions offered by the chosen card. This will help you avoid future complications caused by misunderstandings.
If you haven't decided yet or want to check out other cards, we'll leave another comparison link below, take a look!
