To begin with, the Hipercard Card or Pernambucanas Card are two card options that are among the best on the market. This is because they have several offers so you can shop in Pernambucanas stores and in other national and international stores.

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

So, the Hipercard card currently belongs to Banco Itaú, the largest private financial institution in Brazil, providing security and credibility to customers.

In this regard, Hipercard has some versions, however, at the moment, only the Internacional is available.

Therefore, the card has a Mastercard brand, with international coverage, and it is necessary to present a minimum income of R$800.00 to apply for the card.

And, in addition, the card is free of annual fees, and you can request up to 4 additional cards and, in addition, you have a period of up to 40 days to pay for your purchases interest-free.

Furthermore, you can use the Hipercard card and pay your bill directly at Walmart stores or at any bank, making it more practical when paying bills.

Therefore, you can count on all the credibility that Hipercard, created in 1969, brings to customers, in addition to tradition and security.

Well, the Pernambucanas card is a credit card that is divided into 4 cards, the Basic; the Elo Flex; the Elo Mais and the Elo Grafite, with few differences between the cards.

And, in addition, you have exemption from annual fees and a limit for purchases in cash and another limit for purchases in installments of up to 12 installments.

You can request the cards at any of the company's stores, just have your ID and CPF in hand and go through a credit analysis.

This way, you can only request the most basic option through the app. To do this, follow the steps below.

Therefore, if you like shopping at Pernambucanas stores, it is one of the best credit card options on the market.

So, the Hipercard card has several exclusive advantages, the first of which is the fact that it has an application for users.

This is because the application, which is available to Google Play and App Store users, came to help users manage their accounts through the application itself.

And, in addition, Hipercard has several partner stores such as the Walmart Brasil Network, such as Walmart, Bompreço, Hiperpreço, Mercadorama, Big and several others.

Plus, you can find a discount of 10 to 30% on products from partner stores.

Another advantage is that with the Hipercard card, you will have access to several health plan advantages.

Just like Hipercard, it also has its own brand on some of its cards, such as “Hipercard Internacional”. But Mastercard-branded financial products offer several other benefits, such as the Mastercard Surpreenda program.

Furthermore, Hipercard has customer service centers present in several stores in Brazil to provide you with support.

Another advantage is the additional card offered by the company, because you can have access to up to 4 additional credit cards.

It is worth noting that Hipercard customers can make their purchases and pay within 40 days without interest, after this period, interest will be charged.

Finally, you can pay at least 17% invoice, that is, you will not be obliged to pay the entire invoice amount at once and you can also choose any amount between the maximum and minimum outstanding balance.

Well, the Pernambucanas card has several advantages, the first of which is the fact that you can choose the card's expiration date from up to 6 different dates.

And, in addition, customers who use the Pernambucanas card have more time to pay for purchases made in the store. This is because there are 50 days to pay for fashion and home products, and more than 30 days to purchase household appliances.

Another advantage is that checking limits and invoices, as well as several other functions, can be performed directly through the Card application.

And, in addition, the most basic option, which does not have a flag and which can only be used in the company's stores, can also be requested through the application.

Finally, the card invoice arrives by email and can be paid at lotteries, banks, online or at any network store, and can be paid in up to 12 installments.

So, one of the biggest disadvantages of the Hipercard card is the annual card fee, which is because several companies are zeroing this fee.

It is important to mention that, if you pay all fees on time, there will be no fees charged and, if there are, it will be a low charge.

Therefore, for sending the second copy with the credit function, Hipercard charges around R$9.90 reais.

Likewise, the company allows you to withdraw in cash, but charges around R$12.00 reais in Brazil and, abroad, around R$22.00 for each operation.

On the other hand, for sending automatic messages, the company charges its users a fee of R$5.50 per month.

So, one of the biggest disadvantages is the fact that you need to go to one of the chain's stores in person to request the card.

This is because, of the four credit cards available, you can only request one of them through the app. On the other hand, to order the others, you have to go to one of the stores.

Another disadvantage is that the Pernambucanas stores app is considered bad by most users.

Finally, the company does not have any loyalty program for card customers.

Well, the Hipercard card or Pernambucanas card are two card options that have all the credibility, security, transparency and offers that Pernambucanas and Hipercard stores offer to their customers!

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!