The card market is booming in Brazil and worldwide, and Digio has created a very useful product for consumers, the Digio credit card.

Here are all the details of the card and all the benefits offered to customers!

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Digio credit card: How it works

Founded by technology enthusiasts, the digital bank Digio has stood out in the financial market since its creation. One of the reasons for this success is the Digio - Visa International card, which is free of annual fees and revolving interest.

Through the Digio platform, consumers can monitor everything related to their card online without having to leave the house. Led by Banco CBBS, whose shareholders are Banco do Brasil and Bradesco, the tool can be seen as a good contribution in the form of digital services.

The Digio Card is a free credit card designed to be administered via an app, without the need to go to physical branches for service. In addition, it is free of revolving interest rates, a major differentiator from traditional bank products.

CBSS is the bank that manages the Digio Card, a financial institution indirectly controlled by Bradesco and Banco do Brasil, which makes its services much more reliable, given that the institutions have been operating in Brazil for several years.

Can I trust Digio?

Digio is here to stay and has the backing of big names in our country's financial market.

Belonging to the Elo holding company, whose main shareholders are Banco do Brasil, Banco Bradesco and Elopar, which are indirectly managed by Caixa Econômica Federal, Digio certainly deserves all respect and reliability.

The alliance of major banks makes the company even more credible on the national and global markets.

How do I get approved for a Digio card?

The Digio credit card does not explicitly set minimum requirements for approval. However, there are some useful tips that can help you get approved more easily:

• No credit debts with the SPC or Serasa;
• Maintain a good credit score;
• Don't forget to pay your bills on time;
• Provide your up-to-date information in the application;
• If you already have a credit card, don't delay paying your bills.

Benefits Digio credit card exclusives

With the aim of giving customers free access to the most popular services, Digio bank offers exclusive benefits such as:

• DigioConta: digital account with complete management.
• Accepted by more than 24 million companies worldwide
• No annual fee
• National and international withdrawals
• No revolving interest
• Shopping at Digio Loja with special conditions
• Zero card reissue fee
• Emergency withdrawals from the 24-hour network

The "National and international withdrawals" option incurs a utilisation fee of 7.90% per month. As this is a loan, the IOF is also debited with the amount withdrawn:

• Domestic withdrawal: IOF of 0.38% of the withdrawal amount + daily IOF of 0.0082%;
• International withdrawal: IOF of 6.38% of the withdrawal amount.

Warning: some ATMs may charge a withdrawal service fee. It is therefore important for consumers to check the current rate before using them.

Digio points programme: How do I earn them?

Another advantage of the Digio card is the possibility of participating in the points programme.

In partnership with Livelo, you can register and earn points on your purchases that can be exchanged for trips or products.

To join the programme you must pay for one of the subscriptions below:

Plan name	Number of points	Tuition
Plan 1 for 1	R$ 1.00 = 1 Livelo point	R$ 4.90 + fee of 3.5% of the invoice value per month
Plan 2 for 1	R$ 2.00 = 1 Livelo point	R$ 4.90 + fee of 2% of the invoice value per month
3 for 1 plan	R$ 3.00 = 1 Livelo point	R$ 4.90 + fee of 1.5% of the invoice value per month

Digio digital account: Find out more

Although it is not necessary to open a digital account, a Digio Card can be obtained from DigioConta, a free digital account.

With DigioConta you can pay your bills, transfer money to a bank, create a deposit slip, generate deposit slips and make withdrawals from the Banco 24Horas network.

This service is very useful for those who already have a Digio Card, as it makes everyday savings even easier.

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Is a Digio credit card a good option?

The Digio card was named our best annual no-credit card of 2021, so it has been highlighted in several consumer profiles. The functionalities offered are very useful for those who want to save on their purchases and receive cash back.

Through the "Discount" programme, you can find exclusive promotions in some online shops such as Centauro, Petz, ShopClub and others, and cashback promotions are launched daily on partner sites.

However, the points programme requires a monthly subscription and is not free. If you're looking for a card with a good free points programme, the Digio Card may not be the best choice.

If your profile focuses on saving money, a Digio credit card can be a great way to save money.