The BTG Pactual Basic card is a credit card for better purchasing power, with the possibility of customising the benefits, as well as a digital account for investing and managing your money.

So we've selected the main facts about this card designed to meet the demands of people with high incomes, above R$ 4,000, who want to increase their return on their money through special cashback in the form of investments. Take a look at the details!

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How does the BTG Pactual Basic card work?

The BTG Pactual card is identical to the Gold Mastercard, making it an attractive option for consumers who want the advantages of the flag and simpler acceptance.

Consequently, you select the main type of credit card benefit and can even switch between the two:

1. Invest+: By selecting this option, you will receive a payback of 0.5% on investments made in the fund that best suits your profile. Fixed Income, ESG and Bitcoin
2. Points programme: On the other hand, with this advantage, you can earn 1 point for every dollar spent on the card, and you can choose which of the various partner programmes you want to earn points with.

Excellent admission card with a choice of benefits and an annual fee of $0. Very good!

Advantages of the BTG Pactual credit card

The main benefits of the BTG Pactual card in Basic Gold mode are as follows:

• Customisable: you can choose between the Invest+ and Points programmes.
• Invest+: automatically invests 0.5% of your credit card costs in a BTG fund of your choice, including ESG, Fixed Income and Bitcoin (subject to a monthly charge);
• awarding 1 point for every $ 1 spent (subject to a monthly fee). You can also select the Esfera or Livelo partner points schemes;
• Virtual card: a secure solution for online transactions
• Pay by approaching machines with contactless capability;
• Complete app: card unblocking, bill payment, limit adjustments and much more;
• National withdrawals: up to eight free monthly withdrawals through the Banco24Horas network;
• International coverage: accepted in over 210 countries;
• Additional card: 1 complimentary card to share your advantages with whoever you want.

Is it worth applying for the BTG Pactual card?

Finally, the BTG Pactual card is attractive to consumers with a minimum annual income of R$ 4,000.00 who are looking for a simpler and more convenient way to generate automatic returns on their savings.

Despite being annuity-free, plans with benefits have manageable monthly costs, with the option of zeroing out the fees through a minimum monthly spend or investments.

However, if this card doesn't meet your needs, you can find out about alternative cards that offer attractive advantages adapted to your profile and lifestyle.

How to apply online for the BTG Pactual Card?

1. Select "Card Application";
2. Download the application by scanning the QR Code;
3. Complete the registration process to create your account;
4. You will be recommended the best card available.

Fees and annuities

The absence of an annual charge is the main advantage of the BTG Pactual Basic Option. This alternative, however, offers no advantages.

To personalise your card with benefits, monthly fees can be applied, with the option of eliminating payments. In addition, the bank has introduced a new annual fee for the BTG Basic Option card which is significantly more favourable, as BTG has cut the card's monthly fee and allowed for an annual fee-free rule! Understand all the specifics of the value reduction in the following report.

• Basic Option Card: No annual fee;
• Basic Option card with Invest+ 0.5% cashback: 12x R$20 (R$240);
• Basic Option Card with Points Programme and 1 point per dollar spent: 12x R$30 (R$360).

In addition, BTG Pactual offers tuition discounts of up to 100% of the value, based on your monthly credit card or investment expenses:

Earn R$ 10.00 off your monthly fee for every R$ 1,000 spent per invoice or R$ 10,000 invested with BTG Pactual.

If you have a card with a monthly cost of R$ 30, for example, you pay R$ 3,000 into the credit card account or invest R$ 30,000 in BTG Pactual to eliminate the monthly fee!

It's important to remember that the discount for investments doesn't apply to the discount for hire purchase. In other words, it's always one or the other, and you'll always get the biggest discount!

Extra costs:

• Initial issue of the BTG Pactual card: R$ 0;
• Card reissue in case of loss, theft or fraud: R$ 0
• Credit drawdown: R$ 15 plus 19.99% per month;
• International credit withdrawal: R$ 20.

In addition to the eight free withdrawals per month, each withdrawal costs R$ 2.20.

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BTG Pactual Banking card app

The BTG Pactual Banking app is available for free on the Apple Store and Google Play; to get it, simply visit the respective shop on your mobile device.

Through the app, you can view all card-related data, including invoices, payments, requests and much more.