Cards

Caixa payroll card or Daycoval payroll card: which is better?

Payroll card Caixa or Daycoval payroll card: do you know which one is the best option for negative credit cards? So read on to pick yours today!

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Cash consignment x Daycoval consignment: find out which one to choose

Cartão consignado Caixa ou Cartão consignado Daycoval: qual o melhor? Fonte: Pexels.
Caixa payroll card or Daycoval payroll card: which is better? Source: Pexels.

Initially, the Caixa payroll card or the Daycoval payroll card are two card options that are among the best on the market. This is because they have great proposals for negatives, that is, people whose name is restricted in credit bureaus.

So, to learn a little more about the advantages and disadvantages of these cards, we've brought you a comparison so you can do an analysis. Check out!

How to apply for the Caixa Consignado card

The Caixa payroll card is excellent for INSS beneficiaries and civil servants, with advantages in the rate and credit limit. Check out!

How to apply for the Daycoval card

Do you want to know how to apply for the Daycoval payroll card? If so, then read this text and be one step closer to having one of the best products in the category.

BoxDaycoval
Minimum Incomenot requiredMinimum wage or INSS benefit
AnnuityExemptExempt
FlagLinkMasterCard
RoofInternationalInternational
BenefitsWithout consultation with the SPC and SERASA
low interest rates
Ideal for negatives
international coverage
Without consultation with the SPC and SERASA
low interest rates
Ideal for negatives
international coverage
But, after all, what is the best card?

Payroll Card Box

So, the Caixa payroll card is a card issued by Caixa Econômica Federal, ideal for people who are negative, that is, with their name registered with the credit agencies.

In this regard, it is an ideal card for INSS beneficiaries in general and the great positive point of this card is the 5% credit limit allocated margin.

That is, you will have the amount of 5% of the card limit deducted from your benefit every month. So it's important that you make sure you use at least these amounts every month on your card.

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Daycoval payroll card

Well, Banco Daycoval was founded in 1968, being a Brazilian institution with more than 50 years in the market.

In this regard, it is an institution that offers credit to companies and individuals, as well as exchange and investment services. Among the products offered, we also have the Daycoval payroll card.

So, it is an exclusive card for INSS retirees and pensioners, as well as public servants, being very similar to conventional cards.

Thus, you can use the card for daily purchases, in physical and virtual establishments, as well as payments and installments.

Well then, the card has a minimum value of the card invoice of 5% deducted from the benefit or from the user's paycheck with one of the lowest interest rates on the market, and it is also exempt from charging an annuity.

Finally, Banco Daycoval does not consult the SPC or SERASA, however, although interest rates are reduced, interest and fees are charged according to the amount and type of service used by the customer.

This means that you will not be exempt if you delay payments, need to pay in installments, as well as make withdrawals or transfers using the card.

Finally, if you are a civil servant, retiree or INSS pensioner and are looking for a card with fairer rates that will help you control your finances, the Daycoval payroll card may be what you need!

But to be sure of this decision, see the benefits below.

What are the advantages of the Caixa payroll card?

Therefore, the Caixa payroll card has several advantages, the first of which is exemption from annual fees.

This is because this card only charges the card issue fee, which is R$15.00 and can be divided into up to three installments on the invoice.

And, in addition, it has low interest rates of around 2,70% per month, three times lower than a conventional card.

Just like you don't consult the SPC or SERASA when doing the credit analysis.

And, you still have a professional to carry out small repairs in your home up to three times a year. Amazing, isn't it?

Another advantage is that you guarantee access to Clube Elo Mania Caixa, that is, you have exclusive access to discounts on various products and services.

So, if you are looking for a card to make shopping easier, but you are undecided about the bureaucracy in credit approval. Don't worry, the Box has what you need.

What are the advantages of the Daycoval payroll card?

Quais as vantagens do cartão consignado Daycoval? Fonte: Pexels.
What are the advantages of the Daycoval payroll card? Source: Pexels.

Well, the Daycoval payroll card has several advantages, the first of which is the annuity exemption.

That's because you pay nothing to keep the card services active.

And, in addition, the credit analysis carried out by the bank does not consult the SPC or SERASA, as well as you have much lower interest rates than a normal credit card.

Another advantage is that the card has a credit limit above market standards and the minimum invoice amount with direct debit from the payroll.

Furthermore, you can pay your purchases in up to 15 interest-free installments in accordance with the conditions of the retailers, as well as being entitled to withdrawals at ATMs or direct transfers to your account.

Finally, you have access to Mastercard reward programs.

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What are the disadvantages of the Caixa payroll card?

So, the only disadvantage of the Caixa payroll card is the charge of R$ 15.00 to issue the card.

However, the amount can still be paid in installments. on the Caixa card invoice itself in up to 3 installments and after that there will be no further charges.

What are the disadvantages of the Daycoval payroll card?

Well, the only disadvantage of this card is that it is accessible only to INSS retirees and pensioners and Public Servants.

That is, it makes it difficult for other interested people to access the credit card.

Caixa payroll card or Daycoval payroll card: which one to choose?

Cartão consignado Caixa ou Cartão consignado Daycoval: qual o melhor? Fonte: Pexels.
Caixa payroll card or Daycoval payroll card: which is better? Source: Pexels.

Well, the Caixa payroll card or the Daycoval payroll card are two card options that have all the credibility, security, transparency and offers that these two banks offer to negative customers, that is, with a restricted name at the credit agencies.

Therefore, make an analysis of the cards that are available on the market and see which one is the best option for you. And if you still have doubts, see some recommended content below about the shopping cards we brought here!

Saraiva Card or Pan Card?

Whether the Saraiva card or the Pan card, both have annuity exemption and international flag. Check out more information about them here!

About the author  /  Joyce Viana

Graduated in Law from PUC Minas. Post Graduated in Criminal Law and Criminal Procedure by Faculdade Legale. She produces content for different niches, from recipes and finance to beauty and health. Since he was a child, he made writing his best friend, and he never stopped!

Reviewed by  /  Junior Aguiar

Senior Editor

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