Without a doubt, choosing between the Ourocard Universitário card or the Digio card can be a difficult decision, after all, they are cards with few fees and bureaucracy!

However, they were designed for different profiles. While the Ourocard Universitário card is for students up to 28 years old, Digio offers the benefits to anyone.

It is worth noting that the Ourocard Universitário card does not require proof of income to offer a credit limit of up to R$1,500, but you must be enrolled in a higher education institution.

On the other hand, the Digio card has easy approval, does not charge any annual fee, but requires a clean record, high score and proof of income for your application to be accepted.

In addition, we will provide more details about both, which are ideal for young people and adults who need to purchase on credit and cannot afford high fees. Check it out!

Previously, many young people ended up not having access to credit lines because they did not have a monthly income or documents proving any income, which even hindered their studies.

Later, banks began to understand that this audience was important, and that's how BB created the Ourocard Universitário card, requiring only enrollment documents and facilitating approval for those who took out financing (FIES).

Therefore, the Ourocard Universitário card is one of the only ones on the market that offers a pre-approved limit, does not charge any fees and still allows participation in all the benefits of the BB account.

Without a doubt, the Ourocard Universitário card is ideal for people aged 16 to 28, who can pay monthly bills and need financial help to cover student expenses.

While many digital bank cards were appearing, Digio was already traditional in not charging an annual fee, having little bureaucracy for approval and being technological, with contactless payment and account movement via an app.

As time went by, new advantages were added, such as the points club to exchange for products or air miles, zero revolving interest charges or monthly fees and even cashback.

With DigioCashback, you get money back on some purchases, and the customer also gets a discount of up to 60% in Digio bank partner stores, which saves a lot, doesn't it?

Finally, the Digio digital account yields more than savings, allows withdrawals from the Banco24h network and does not charge revolving interest on credit cards, not to mention that everything is done without leaving home, from the request to the account movement.

So that you have no doubts, we have listed the main advantages of the Ourocard Universitário credit card, highlighting the fast approval and the absence of bureaucracy. See more benefits below.

In short, the Digio card is one of the only cards in its category that does not charge annual fees, maintenance fees or any monthly fees related to the account, meaning the customer only pays for what they use. Check out other advantages below.

Just as there are advantages, there are some limitations to the Ourocard Universitário card, including the impossibility of obtaining the card if you are over 28 years old.

This means that if you are in your second degree, for example, and are over that age, you are not considered a university student by the bank.

Furthermore, BB does not accept enrollments at all universities to offer credit, there is a specific list of partners that can facilitate credit approval, in addition, have FIES to get even more advantages.

Just as the Digio card does not involve much bureaucracy, the arrival of the credit card takes a little while, taking around 30 days between the request, credit analysis and the actual arrival of the limit.

Furthermore, any withdrawal made will incur fees, since any type of transaction like this can only be made through the Banco24h network, so prepare your wallet in case you need money urgently.

Finally, it is not a card for those with bad credit, but rather for those who have a good score linked to a reasonable financial history, which also limits access to many Brazilians.

After the comparison, were you able to decide between the Ourocard Universitário card or the Digio card?

In short, while one does not have a credit analysis, requires a minimum income or annual fee, the other also has zero fees, but has a rigorous and somewhat time-consuming credit analysis, and can be requested by any age.

This means that the university card is aimed at students, while Digio can be the partner for international purchases, payments for Netflix, Amazon Prime and Spotify for account holders over 30 years old, for example.

To make your choice easier, consider your needs and financial profile. However, if you haven't decided yet, don't worry! Below, we have a new comparison with market options that you might like, so just click!