Cards
Havan card or Ton card: which one to choose?
Designed for different profiles, choosing between a Havan card or a Ton card can be complicated, unless you know how they both work. Read this post and find out details about each one.
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Havan x Ton: find out which one to choose
But, after all, Havan card or Ton card? First of all, the Havan card came to further enhance the number of customers for the company, which has more than 160 stores in the country. Designed to offer discounts and great installment opportunities, it is an unbranded card.
Next, we have the Ton prepaid card, which is ideal for negative customers who need to attach some expense to a credit card. This is because, as great as it may seem, it is you who sets the credit limit as you load the card.
Therefore, many people start with doubts at this point, whether they prefer a focused limit defined by the store, or whether they want more freedom with a credit card released for negative people.
With these possibilities, we will help you when deciding between the Havan card or the Ton card, which are suitable for different profiles, but can still serve the same person, if necessary. Follow us and understand!
How to apply for the Havan card
Request a card without leaving home that offers discounts on many products and long, interest-free installments.
How to apply for the Ton card
This new addition to the financial market will surprise you with its ease. Have a prepaid card perfect for negative people. Know more!
Havana card | ton card | |
Minimum Income | R$ 800.00 | not informed |
Annuity | Exempt | Exempt |
Flag | does not have | MasterCard |
Roof | National | International |
Benefits | Discount on purchases 40 days to pay the first installment; Payment in up to 10 interest-free installments; Free membership fee. | No membership fee, just buy the prepaid card; Fee-free online and international purchases; Cancellation without bureaucracy. |
Havana card
Firstly, the focus of the Havan card is on the chain's customers, which offers numerous products in its megastores.
In the same way that the credit card offers interest-free installments, it also encourages the customer with discounts that reach 50% only for those who have the Havan card.
So, if you are a regular customer at the store and want to have an option separate from bank credit cards, this is ideal, as there is no annual fee, membership fee or any abusive monthly fee, unlike some traditional credit cards.
Still, it may fail to serve the customer in terms of freedom, as the Havan card is only intended for purchases at network companies. Therefore, if you are looking for a discount, facilities and a good limit within the store, you have found this option.
ton card
Not just a credit card, but also a great option for negative people, the Ton card is prepaid.
This means that it can be used as credit, as long as it is frequently topped up. Therefore, this feature does not allow the creation of installments, but it can provide opportunities for subscriptions to streaming services or shopping sites, which require a credit card in some cases.
Furthermore, the card is issued under the Mastercard brand, meaning it offers all benefits, including international purchases.
Once you buy the card through the website or authorized establishments, just load it with the desired amount and use it without restrictions or credit analysis, for example!
What are the advantages of the Ton card?
Numerous advantages help you decide between the Havan card or the Ton card. Take a look at the benefits of this prepaid card below.
- No credit analysis or financial profile, nor requirement for a clean name;
- Does not charge annual fees or fees for use;
- Valid as a credit card for national or international purchases;
- Access to Mastercard benefits;
- It is not necessary to open a bank account.
What are the advantages of the Havan card?
As much as a store card, the Havan card can be a partner of your financial organization if you spend frequently in stores. See just other advantages below.
- No minimum income required for limit order;
- Payment in up to 10 installments, without interest, regardless of the purchase price;
- Does not charge fees, such as annuity or membership;
- It can be an auxiliary card, designed only for purchases in the store, without mixing with other purchases.
What are the disadvantages of the Havan card?
As well as the advantages, there are some limitations related to the Havan card, see some of them below.
- It is not permitted to use it in other locations;
- No credit card and credit card benefits;
- Requires a clean name for the order to be placed;
- Need to change the password? In-store only;
- There are no benefits other than installments.
What are the disadvantages of the Ton card?
Once you use the Ton card, you will need to deal with some problems. See some disadvantages below.
- Impossibility of installments;
- Withdrawal fee of R$7.50 charged by Banco24H, the only one that allows withdrawals from the network;
- Payment of IOF on international purchases;
- Does not accumulate benefits, such as miles;
- Billing for transactions such as transfers.
Havan card or Ton card: which one to choose?
Finally, it is important to come to the conclusion which will be its greatest use: a limit that is only valid for in-store purchases, or a rechargeable card that does not have a credit analysis and can be used for small monthly charges, such as app carts and streaming services. .
Still, the question remains? Don't worry. Our experts made comparisons to help you even more with this difficult choice. Below we have more options for your analysis. Just click!
Ponto Frio card or Casas Bahia card
Stores invested heavily in branded credit cards, which benefit customers when making purchases, but also attract customers through the points and benefits program. Check out!
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