The Caixa Simples Card is a payment method developed specifically for INSS retirees or pensioners and federal public servants. This product offers the same functionality as a credit card with many benefits.
As the name suggests, the card is issued by Caixa Econômica Federal, one of the best-known financial institutions in the country. Accompanying it is Elo, which offers contractors some great benefits.
To enhance your shopping experience, the card offers international recognition in more than 200 countries. To learn more about this financial solution, stay tuned to this article.
How does the Caixa Simples card work?
The Caixa Simples card works like other similar cards and is a loan for a specific audience. With it, you can make purchases in cash or installments at millions of institutions approved by the Elo Network.
The main difference between this card and a credit card is that partial payments of the bill are made automatically based on a discount of 5% on the margin of your income (retirement/salary or pension).
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One of the main advantages of this card is that it has no annual fee and charges an interest rate 3 times lower than that of traditional credit cards when used.
→ Apply for a high limit credit card! Click here to see cards with no minimum income requirement!
Benefits
Although this is a basic financial solution, your contractor can count on several exclusive advantages, all grouped in the list below for easy reference:
- card with no annual fee;
- Make national and international purchases;
- fairer interest rates;
- No consultation by Serasa or SPC;
- rely on the Elo Flex platform;
- 20% to 70% of the released credit limit can be transferred directly to your account;
- Among others.
To use everything that comes with the Caixa Simples card, only the interested party pays the issuance fee and it can be paid in up to 3 installments on the invoice, which is approved by all agreements.
About the Elo Flex Platform
In addition to the international recognition of the Caixa Simples card, the Elo brand also offers the Elo Flex platform. This will be Elo's official benefits platform, and 5 will be given free of charge to product holders.
The benefits currently included are Elo Wi Fi, Auto Emergency II, Basic Residential, Elo Mania Club, Installation and Repair. These can be exchanged for other products of your choice directly on the Elo Flex online platform.
Other benefits that you may be more interested in can be found in categories such as Auto, Home, Bike, Pets, Life and more. This way, unused benefits within the limits available on the product can be exchanged.
Who is the Caixa Simples card for?
As a payroll deduction card, the Caixa Simples card is especially recommended for INSS retirees or pensioners under 75 years of age and federal public servants.
If you fit into these audiences and want to have a product with no annual fee and the same functionality as a traditional credit card, Caixa Simples is ideal for you.
As Serasa and SPC did not negotiate directly, it is possible to try to obtain approval even if it is negative, but it is worth remembering that Caixa Econômica Federal analyzes all proposals from members and this stage will determine whether the card will be approved.
→ Apply for a high-value credit card! Click here to see, no minimum income requirement!
Is it worth hiring?
Payroll deductible cards are the most interesting on the financial market due to the low interest rates charged on various transactions. In addition, the Caixa Simples card is accepted in more than 200 countries around the world.
Contractors can also rely on the Elo Flex platform, through which the ideal benefits can be selected for you. Another very positive point is the possibility of transferring credit to your account and using it as needed.
By carefully analyzing everything that this financial solution has to offer, it can be said that it is worth it and that all people eligible for payroll should consider formally contracting it through Caixa.
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