Cards
What is the interest rate on the Caixa credit card?
Caixa has reduced the interest rate on the revolving credit card and the customer who chooses to pay in installments will now pay between 3.3% am and 9.9% am In addition, it is possible to choose to pay in 4, 8, 12, 16, 20 or 24 months. Check here for more details!
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Suspicious and confused about Caixa's credit card interest? Let's make it easy for you!
In this article you will find out about the interest rate on a Caixa credit card. Therefore, nowadays it is rare not to see someone who has at least one credit card. The credit card not only brings agility, flexibility and practicality when shopping. It gives you the right not to pay the bill at that exact moment, or even to pay that particular purchase in smaller amounts. And it is in these cases that interest comes in!
In parallel to this, we will talk about the Caixa Econômica Federal credit card, which has the Elo, Visa and MasterCard brands, and its interest rates. Is it worth choosing this card? Are interest rates high? Are they short? Can I pay in installments? Do I have to pay cash only? Where do I pay?
Keep accompanying us, and find out what is the interest rate on Caixa's credit card, and the answers to the other questions above.
Annuity of the different flags of Caixa cards
Therefore, the annual fees for Visa, Mastercard and Elo are:
- Visa and Mastercard: costs around R$10.50 per month, totaling R$126.00 per year.
- Link: is around R$5.25 per month, totaling R$63.00 per year. In addition to having a low annuity, the Elo brand also provides a 50% discount on the first annuity.
Where can I find information about Caixa credit card interest rates and revolving credit cards?
There is nothing safer and more reliable than Caixa's official website for obtaining a wide range of information. Therefore, check out the step-by-step guide for you to obtain information about the Caixa credit card interest rate and revolving credit cards:
- 1st: Access the CAIXA website
- 2°: Click on the “credit cards” option
- 3°: In the “services” tab, click on “credit card rotary”
That's it, this is the easiest and most reliable way to find information about interest rates and revolving credit card Caixa.
What is Caixa credit card revolving and how does it influence interest?
This part may seem a bit boring, but let's try to explain the Caixa credit card revolving in a more exemplified way!
First of all, it is important to clarify a question: what is credit card revolving? Well, it is nothing more than a “bonus”, “credit” or “loan” that the Bank offers when you are unable to pay your total invoice before the due date, leaving the outstanding balance for the following month. And so, charges (fees, interest) are inserted on the outstanding balance.
It is worth mentioning that those with a revolving balance will have some options, namely: full payment of the invoice, minimum payment or payment in installments. Therefore, customers who choose to pay in installments can choose to pay in 4, 8, 12, 16, 20 or 24 months, with rates ranging from 3.30% am to 9.90% am
Maybe it got a little confusing, but with a brief example below we will show you how this Caixa credit card rotary works.
Minimum Payment
Follow how it happens in the minimum payment option:
- In January, you have a total invoice of R$600.00 to pay. However, unforeseen events happened, and you had expenses beyond what you expected. As a result, you will not be able to pay the full amount of the invoice. The Bank gives you the possibility to make a minimum payment, corresponding to 15% of the invoice amount, that is, R$90.00. You pay 100.00 reais and in the next invoice, the remainder will be charged 500.00 reais.
- In February, your invoice will be BRL 500.00 (January outstanding balance) + new purchases made that month (for example: BRL 100.00) + January charges (fees, interest).
payment in installments
Incredibly, yes, you can. First you must choose the number of months for the payment of your outstanding balance. The payment period can be 4, 8, 12, 16, 20 or even 24 months. The longer the term, the higher the interest. Interest varies between 3.30% and 9.90% per month.
For more information about Caixa's credit card interest rate, you should consult the rate table. Therefore, you can access it on the Caixa website.
How can I check my Caixa credit card bill?
As we know, the credit card bill refers to purchases made during a given month. Therefore, it can be accessed by downloading the official CAIXA App, CAIXA Tem, or Cartão CAIXA, available both in the Play Store (Android) and in the App Store (IOS). In addition, another form of receipt is via email, which already happens automatically.
How to pay my invoice?
The invoice can be paid through the official CAIXA app, at lottery shops or at the CAIXA branch itself.
CAIXA service channels
- Capitals and Metropolitan Regions: 4004-0104
- Other regions: 0800 104 0104
- Caixa Citizen Service: 0800 726 0207
How to apply for the Caixa Simples card
Card with zero annuity, international coverage and Visa brand.
About the author / Marina Poncio
Reviewed by / Junior Aguiar
Senior Editor
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