O Carrefour Card is one of the options for those looking for a card with no annual fee.
For those who don't know yet, the carrefour is one of the largest hypermarkets in the world and the leader in Latin America.
Currently, in Brazil, the financial standard operates with around 500 stores spread across all states.
With the Carrefour Card you will have exclusive benefits when shopping online, that is, you can buy everything from home appliances, electronics, even books.
Carrefour card with zero annuity
Maybe you ask: is it easy to get this card?
Well, let's go: the Carrefour card, works with Mastercard and Visa flags, and has zero annuity, which will bring you an excellent advantage.
Since 2019, the Carrefour card has started operating with a promotion to ZERO the annuity, as long as you use it at least once in supermarkets.
In this article, you will be able to find out about the advantages of this card, how to apply for it and if it is really worth it.
card types carrefour
What types of Carrefour cards are there?
Currently, in all, there are five types that you can find with different benefits:
You can request the Mastercard Gold Card: accepted in own stores and establishments that accept the Mastercard flag, both here in Brazil and internationally.
Now the credit card Mastercard La Carte has the same acceptance as Mastercard Gold, but with the advantage of offering free assistance for animals, seniors and children, and nutritional support.
O National Visa Card already has some limitations, because it is only accepted within the country, purchases abroad are not released.
Visa International and Visa La Carte: it only changes the card brand, but they work like the Mastercard Gold and Mastercard La Carte variants.
Carrefour Card: splitting your purchases up to 24x
This is one of the main advantages of this card, as you can divide it into more installments.
Just look how practical and simple it is: to obtain a new copy of your invoice, or more information about your purchases, on the company's website, you must access the Customer Area on the Carrefour Card website and select the options My Expenses > Invoices > Current Invoice.
However, if you prefer a much better option, you can also sign up to receive your invoice by email (what they call Green Invoice).
For you to be able to do it, you need to access the options My Expenses > Invoices > Invoice by email. After registering the invoice by email, it is important to remember that you will no longer receive the invoice by mail.
Easy ways to pay your Carrefour Card invoice
To make things more practical, the payment of your invoice can be made by any of the means provided below:
- Carrefour stores, using the holder's card or CPF. This is a great option because the limit is released for use immediately.
- Branches and ATMs connected to the banking network
- Lottery houses and bank correspondents, until the due date
- Internet Banking or Mobile Banking from the main banks in the country, through the payment option of bills or slips
If you prefer, you can use the site to register the Debit of your Invoice in a Current Account, selecting the options My Information > Invoice Options > Automatic DebitO.
In this case, every month the total amount of your invoice will be deducted from the current account you indicate.
For this option, it is mandatory that the checking account is in your name.
Keep an eye!
One aspect of this card that needs to be remembered is that confirmation of the longer term to pay for fuel depends on the date you use the card, the due date of your invoice and other conditions.
If you want to use it, you will need to notify the cashier operation to make the payment.
Another aspect that needs to be remembered is that the installment of the card bill is considered a credit operation subject to availability.
You also need to know that there may be a maximum limit for withdrawing from banks. In addition, charges and IOF may be charged.
Finally, the total withdrawal amount commits your card credit limit. The withdrawal fee within Brazil is R$10.90. The fee for overseas withdrawals is R$17.90.
What are the benefits of this card?
For those who like to shop online, there are many options and benefits.
The Carrefour Card gives discounts on various products at Carrefour stores. Offers change every day.
To find out which products are on sale, you can ask the customer service team about what is available at the entrance of all hypermarkets.
It is important to remember that all bonuses related to the card are credited directly to your invoice as per company rules.
The deadline for issuing credits varies and can take up to 70 days.
Are there any downsides to this Card?
We can say yes, for example, if you request and do not use the Carrefour credit card, it is important for you to know that the following amounts will be charged. Let's see what those values are:
- Domestic Visa or Mastercard cards: 12x from R$ 11.89 (R$ 142.68);
- International Visa or Mastercard Gold Cards: 12x from R$ 13.99 (167.88);
- La Carte Visa or Mastercard card: 12x from R$ 15.99 (R$ 191.88)
How to apply for your Carrefour Card?
It's very simple, to obtain the Carrefour Card contract, go to the Carrefour Card website and select the options Carrefour Card > Coverage and Brand > Carrefour Card Usage Contract.
See other zero card options annuity here
Final thoughts on the Carrefour Card
If you still don't have a credit card and are in doubt, with this one you certainly won't have big problems, because the revolving rates aren't as high as with other cards.
Not to mention the many benefits of online shopping or shopping at Carrefour stores for your customers.
Anyway, with the Carrefour card it's only worth it if you usually use the chain's stores to shop at least once a month.
That way, you are free of the annuity. In addition, it has some disadvantages, such as charging for withdrawals, and charging an annuity, whenever you do not make at least one purchase.
