Do you know the Havan card or Nubank card? So, we invite you to read our comparative text.

Undoubtedly, 15 million customers is a representative number and one that also demonstrates Nubank's strength. He is a pioneer in the country with regard to the digital account, that is, an account that does not have a physical office, ATMs and traditional ways of moving money.

At first, the credit card was accessible only by invitation from former users, a criterion that over the years has become broader and more accessible. As much as it is modern, as it offers transfers per application, Nubank was surprisingly one of the first to not charge the customer annuity, which in itself attracted a legion of users over the years.

On the other hand, the Havan card appears as a more limited option for the company, ideal for those who usually shop at one of the 161 megastores spread across Brazil. With that in mind, the store's credit card arrived without fees and with many possibilities for discounts.

Furthermore, unlike Nubank and other credit cards, the Havan card does not require a high income to allow purchases in installments.

In addition, our comparison brings great strengths in the store and credit card business, so we thought of bringing important details to help you decide between the Havan card or the Nubank card. So, read on and check it out!

Known as a company that is spread across the country, Havan reached 160 stores with the tradition of charging customers cheaper. Therefore, with the national success, it implemented a credit card that attracts many people due to its advantages.

With that in mind, he created a basic card, which could have been obtained by different social classes, mainly because it did not require the customer to pay monthly annuity fees or any payment for issuing the card.

Finally, it offers a card that can be ordered online or in person at store counters, that is, have a card without association with banks or credit brands and pay for purchases in up to ten interest-free installments, with the chance to change the dates. due date whenever you want.

Pioneer in the field of fintechs, Nubank provided Brazilians with a practical credit card, accepted in many places, which did not charge many fees and did not require a considerable income. Therefore, many left traditional bank credit cards to join Nubank.

Firstly, Nubank did not differentiate between customers, allowing even people who did not have a great financial history to have access to credit, that is, the process started with an invitation passed on by customers who were already using the roxinho card. 

Soon after the resounding success, there was even more investment, bringing more functions to the digital account, such as saving money, for example. In addition, a high financial movement makes negatives get an initial credit limit that grows over the months.

Undeniably, the Havan card is useful for those who make frequent purchases at the store, as it always offers customers a discount and also facilitates payment benefits. With that in mind, we separate more advantages below.

Not just a credit card, the Nubank card has become a convenience concept in our country. Thinking about it, the advantages only increase over the years, that is, what started with a free annuity, today offers loans, functions to save money and even investments. In addition, it offers other benefits such as those described below.

As much as it is an ideal credit card for discounts, it limits the customer to using a good credit limit only on Havan premises, in addition, it does not release the card for those who live in cities that are, for example, 200 kilometers away from one of the stores.

Since there is a great ease in approving the credit card, you will not have credit flags, association with banks and also will not be tolerated when there is a delay. Just to illustrate, the fines reach 1% per month, which is already a high amount for some cases.

Furthermore, it requires a clean name and introduces some bureaucracies for the customer, for example, changing the password can only be done in person at the store, which in the dispute between Havan card or Nubank card, which is all digital, leaves the first option behind.

As well as excellent advantages, there are also some criticisms to be made of the famous purple. Since it is a digital bank, that is, with no physical headquarters, withdrawals are charged, whether from the digital account or the credit card. 

Just to illustrate, the charge reaches R$6.50 in ATMs of the Banco24Horas network, which has a partnership with most digital banks in operation. In summary, as accessible as it is in some respects, it is not in others.

In other words, to get the Nubank card you need to have some internet access, a good smartphone that supports the device's interface, be at least 18 years old and be active in relation to the account, because there are complaints that Nubank takes to raise the limit of some customers.

Finally, it is important to emphasize that it is possible to request both cards and use each one of them for a specific purpose. While the Havan card is aimed at savings, discounts and installments only in the store, the Nubank option is ideal for young people who are used to the internet and want a good pre-approved credit limit, without bureaucracy.

Furthermore, if the idea is to decide between the Havan card or the Nubank card, then first assess your budget and financial situation, in addition to priorities at the moment. Even if you've done this and the doubt remains, don't worry! We have prepared another comparison for your case just below, so stay with us.