What qualifies a credit card as useful to you? Low interest rates, a frequent flyer programme, discounts, rebates and other advantages? We're going to talk about the SX Santander credit card today because it's a well-known brand that needs to be evaluated.

It's time to learn everything there is to know about the card and determine whether it's worth reading or not: perhaps you'll finish reading with a decision made?

" Read also: BS2 credit card: International option with no annual fee, find out now!

Santander SX credit card: How does it work?

The Visa flag is available for the Santander SX card. You can start shopping online as soon as you sign up, even before your plastic card arrives. This is due to the "virtual card" feature, which is useful for this type of transaction.

You can also get a Santander Pass, which is a form of wristband that works like a credit card. A watch tag or sticker can also be used to facilitate payments and make the procedure more practical and modern.

Finally, the card's official app, App Way, is vital information. Visit the Apple App Store or the Google Play Store.

Santander SX discounts: Where to use them?

Isn't it crucial that, when you use a credit card, you get the maximum benefits? Santander SX users have access to Esfera, the institution's comprehensive points programme. A sequence of discounts at partner companies is one of the services offered by the site.

Consider the following:

• FastShop is offering a discount of 30%;
• Ponto Frio is offering 25% off;
• Extra is offering a discount of 25%;
• Casas Bahia offers 25% discount;
• oBoticário is offering a 20% discount;
• Magazine Luiza has a 10% discount;
• and more!

Simply use your Santander SX credit card to get these savings at partner retailers. It's worth noting that you'll need to sign up to the Sphere platform in advance.

A curious fact: many SX users think of it as a "fast approval" card. Compare this with the other members of our ranking.

Does Santander SX have a cashback programme?

Cashback is one of the most attractive features of credit cards today. The function offers the reimbursement of part of the purchase or invoice value in cash or at a discount.

The way it works differs from one institution to another. The Rappi and Mooba card is one of the most interesting new products on the market today. Cashback can be redeemed on the Esfera portal in the case of Santander SX.

To use it, you must first make a purchase in one of the institution's partner shops, then access the Esfera website and choose how you want to receive your return.

Main benefits of the SX credit card

Here are some of the advantages of the Santander SX card:

• Full service via the app;
• Savings of up to 50% on Sphere partners;
• Membership of the Vai de Visa rewards club;
• Payment terms of up to 40 days;
• Cash withdrawal on credit, with payment due only after receipt of invoice;
• Invoice instalments up to x24;
• 50% plus internet (Claro Flex plan).

I can make purchases abroad with the card?

Santander SX customers can make purchases in other countries. Simply open the bank's app and choose the option to unblock purchases abroad. When using a credit card to make purchases in another country, it is essential to be aware of exchange rates.

In most cases, the conversion is completed on the due date of the invoice. As a result, the amount converted on the day of purchase may differ from the amount displayed at the time of payment.

Digio Zero Annuity Credit Card: Discover the benefits!

Is it possible to pay bills with the SX card?

If you want to pay your bills by credit card, you can access the feature for R$ 25.50 each transaction. Paying by credit card can be quite expensive at the end of the month, so be careful.

Is the SX credit card credit or debit?

If you're wondering whether the Santander SX is a credit or debit card, you will have the debit option if you have a bank account. The card is only accessible for credit if you don't have one.