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The Caixa Simples credit card It is a product of Caixa Econômica Federal (CEF) that aims to include retirees or pensioners from the INSS, under the age of 75.
With facilities equal to conventional credit cards, the Caixa Simples card is an excellent option for making purchases in physical and virtual stores, in Brazil or abroad.
Since this is a payroll card, there is an automatic discount for part of the bill payment, which refers to the 5% margin of the INSS benefit.
In addition, the Caixa Simples card has the option of 95% of credit limit it will be converted into cash in the account. But, for this to happen, you need to ask when hiring. Given this amount, it implies the collection of revolving interests and IOF calculated from the date of credit in the account until the day of payment of the invoice.
How to request the Caixa Simples card?
A Simple Cash Card Application It can be done at any Caixa bank branch in Brazil. For this, customers must have the following documentation on hand:
- Personal documents (RG and CPF);
- Proof of residence;
- Profit statement.
Simple Cash Card Benefits
- Zero annuities and monthly fees;
- Without consulting the credit protection services of SPC / Serasa *;
- R $ 15.00 charge for card issuance (divided up to 3 times in the invoice);
- Interest rate 3 times lower than a conventional card (2.85% per month for the use of the rotary card);
- Home review (request for home repairs up to 3 times a year);
- Clube Elo Mania Caixa (discounted products and services).
* If you have debts with Caixa, regularize the situation before hiring.
Also read: see 3 little known credit card options for negatives in SPC and Serasa
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