If you want a complete financial product that meets all your daily needs, continue reading to find out how to apply for a BTG+ Black Card that even waives annual fees.
The product is well known in the market as the first modular credit card, which means that you choose the benefits you want on the card and only pay for what you actually use.
To enjoy everything that comes with this card, interested parties must be BTG account holders. Below, you will learn about the benefits of recruitment and you can follow the steps to take advantage of it.
Advantages
Currently, BTG Compactual offers 3 types of credit cards to its account holders, with BTG+ Black being the best. Below you will find out about the main advantages of applying for the BTG+ Black Card:
- Make national and international purchases;
- 100% online recruitment process;
- The card has a geolocation security chip;
- by contactless payment;
- Fully manage your expenses through the BTG+ app;
- Count on the Mastercard Black benefits;
- rental of additional cards;
- Withdraw money from the Banco24Horas network;
- Invoices can be paid in up to 24 installments;
- 4 free accesses to more than 1000 Lounge Key VIP rooms.
The possibility of completely dispensing with credit card monthly payments is also a great advantage, a feat that you can achieve by making an investment or taking out a certain amount of credit.
Special benefits of IOF
The special IOF benefit is optional and the way it works is that you will receive 5.28% of all purchases abroad with BTG+ Black on the invoice. This way, the purchase value will be the same as if you paid in cash.
This benefit can be managed through the BTG+ app and, depending on the app, will add R$25.00 to the card's monthly fee. If you no longer wish to use the special IOF, simply cancel your subscription through the app.
When you apply for the BTG+ Black Card, you can also get other cards that are also eligible for this benefit. It is worth noting that the maximum amount you can recover is R$10,000.00 per month in the special IOF.
→ Apply for a high limit credit card! Click here to see cards with no minimum income requirement!
Points or Cashback Program on Investments
When requesting the BTG+ Black Card, you can choose between the Ivest+ program and the traditional BTG Points program, the type of loyalty that accompanies it, and you can even switch between one and the other.
Points programs, on the other hand, are similar to regular programs, so your fees are automatically converted into points for the partner program of your choice, be it Dotz, Livelo or Esfera.
Prerequisites
To apply for the BTG+ Black Card, you must strictly comply with all the prerequisites established by the card issuer. This is because it is a very unique product and does not grant all financial files.
First, to have this card, you must be a BTG account holder and have an account with a minimum age of 18. In addition, you must have a monthly income of at least R$ 15,000.00 or start investing in BTG Pactual from R$ 40,000.00.
It is important to note that approval will be subject to a credit analysis carried out by the agency. Therefore, we recommend that you have a good score and do not refuse to purchase this product.
How to apply for the Black BTG+ card
As mentioned above, the application for this card can be done online 100%. To apply for a BTG+ black card, you must first open an account. The specific operations are as follows:
- First download the BTG+ app on your smartphone;
- Now open the app, go to “Let’s go” and “Get started”;
- It is necessary to provide some personal data such as full name, cell phone number, CPF, email, date of birth and create an access password;
- Also remember to agree with BTG's credit rating;
- Now enter your gender, city, state, nationality, mother's name and marital status;
- Here you should upload scanned photos and selfies from your original photo files for support purposes;
- Then, provide all the details of your place of residence;
- The next step is to provide professional and financial information;
- In the last step, you must inform whether you have any tax relationship outside of Brazil;
- Get ready! Just wait for BTG to evaluate your request.
Once you have opened an account, you can try to request a card from the “Cards” menu available in the app. If you have any questions during this process, you can use the chat that will also be located within the platform.
