If you're in college and looking for a card that offers a variety of benefits, we've got you covered. In today's post, we'll talk about the Ourocard Universitário and the Santander SX Universitário cards.
Both cards offer exclusive benefits, plus discounts on cultural events, brand-name programs, and more. Check it out!
Ourocard University Card
First, the Ourocard Universitário was created by Banco do Brasil with college students in mind. The card's main feature is its absence of an annual fee. In fact, you don't even need to prove your income.
Furthermore, the institution offers users a pre-approved limit of R$1,500.00, meaning there's no credit analysis required prior to launch. Furthermore, the card is Visa International, which allows the card to be used at thousands of establishments worldwide.
By having a Visa card, customers are eligible to participate in the Vai de Visa program, which also offers discounts at several partner establishments and services.
The card can be used for debit and credit payments. Payments 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 currently attending university. Therefore, those who do not meet the requirements will not be accepted. For cardholders who no longer fit the requirements, Banco do Brasil can change the card type.
The card also has an app that offers numerous features, including checking your card statement, checking your limit, checking your balance, using a 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, like its competitor, the Santander SX Universitário credit card does not require proof of income. Banco Santander offers two card options: Visa and Mastercard. Users are also eligible to participate in the Vai de Visa and Mastercard Surpreenda programs.
The card has an annual fee of R$1,000.00, which can be replenished by spending R$1,000.00 per month. Additionally, it offers several programs to assist students, including student card insurance, educational partnerships, and more.
Your application can be submitted quickly and easily through the website. In fact, the card is verified through the Santander Way app. It's available free for Android and iOS and contributes to greater user autonomy, allowing users to check their statement, view their balance, and many other functions.
Regarding payment, customers can pay in up to 24 installments and pay bills in up to 40 days. You can also withdraw funds using 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 has no annual fee. Additionally, the institution does not require proof of income.
Another interesting point is that it has multiple functions and, as an international visa, can be used at various establishments around the world. Similarly, one advantage offered by the brand is the Vai de Visa points program. This provides discounts at partner stores, services, and 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. It's worth highlighting that it offers numerous benefits to students. As mentioned above, it offers discounts on school supplies, student ID card insurance, and much more.
It also offers exclusive benefits offered by one of the possible brands. If the student chooses Mastercard, they will have access to Mastercard Surpreenda, while Visa will have access to Vai de Visa.
In short, after considering all the benefits, we can say that this card favors the consumption of cultural events and programs. This is because its discounts are tied to them.
Another interesting feature is its app, which offers several functions, such as checking the invoice, limit, available balance, and much more. The user actually has the right to withdraw funds using the credit limit.
Finally, we can mention the advantages regarding payment. Santander allows users to pay within 40 days and pay the bill in up to 24 installments.
What are the disadvantages of the Ourocard Universitário card?
One of the card's main drawbacks is that it has an age limit. Therefore, if you're a college student over 28, you won't be able to obtain 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 drawback of the Santander SX Universitário card is its high annual fee of 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's easier to choose the one that best fits your profile. Furthermore, it's important to carefully evaluate your needs at this point.
Finally, before signing up, we suggest you carefully read all the terms and conditions offered by your 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!
