Cards

Mercado Pago Card or Superdigital Card: which one to choose?

Either the Mercado Pago card or the Superdigital card, both have international coverage and a digital account for you to take care of your finances. Check out!

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Mercado Pago vs Superdigital: find out which one to choose

Cartão Mercado Pago ou Cartão Superdigital? Fonte: Pexels.
Mercado Pago Card or Superdigital Card? Source: Pexels.

Whether it's the Mercado Pago card or the Superdigital card, both bring incredible benefits to your customers. That's why today we're going to compare the two financial products so you can choose which one best fits your financial needs.

So, both options have international coverage so you can shop around the world in a much more practical and safer way.

However, Mercado Pago has the Visa brand, while Superdigital has the Mastercard brand. Thus, you will be able to enjoy the benefits of each one depending on your choice, such as the Vai de Visa and Mastercard Surpreenda programs.

So let's talk about the pros and cons of each one so that you have all the information at hand when making your decision. So read on and don't miss out on this incredible opportunity!

How to apply for the Mercado Pago card

Find out how to apply for the Mercado Pago card with no annual fee, with immediate approval and interest-free installments of up to 18 purchases. Check out!

How to apply for the Superdigital credit card

If you are looking for a card with a digital account that accepts negative payments, the Superdigital card may be ideal. See how to order yours!

Mercado PagoSuperdigital
minimum income On requestnot required
AnnuityNo annuityNo annuity
FlagVisaMasterCard
RoofInternationalInternational
Benefits Approach payment, Go by VisaMastercard Surpreenda, Santander Esfera
But, after all, what is the best card?


Mercado Pago Card

Mas, afinal, como o cartão funciona? Fonte: Mercado Pago.
But, after all, how does the card work? Source: Mercado Pago.

So, the Mercado Pago card is a great option if you are looking for more practicality in your daily life. That's because you control your finances through the digital account and you can still use the physical or virtual card to make purchases.

In addition, its international coverage allows you to buy in physical and virtual stores around the world in a simple and practical way. In addition, the card has debit and credit functions for you to make purchases in cash or in installments.

But if you are looking for technology and modernity in a card, Mercado Pago is also ideal! With it, you make purchases by approximation in a much safer way. To do this, just bring your card, cell phone or smart watch to the machine and the purchase is paid without having to enter the password. Amazing, isn't it?

In addition, with your digital account, you can withdraw money from ATMs on the Banco24Horas network using just your cell phone. So you can withdraw at any time of the day and throughout Brazil!

Superdigital Card

Então, quais são as suas características? Fonte: Superdigital.
So what are its features? Source: Superdigital.

Well, a very interesting feature is that the card is issued by Banco Santander, which is a very relevant institution in the financial market. Thus, when purchasing your product, you can be sure that you are contracting a reliable and quality service.

In addition, the Superdigital card works on a prepaid basis. This means that you need to top up your account before using it. That way, it's much easier to control finances, because you don't run the risk of spending more than you have.

In addition, international coverage and the Mastercard brand are also interesting points of the card. Thus, the card is accepted in thousands of establishments around the world and you can still participate in the Mastercard Surprise rewards program.

Finally, you also have the physical and virtual card so that you can shop in physical stores and online, in addition to being able to make withdrawals on the Banco24Horas network.

So, now that you know a little about both cards, how about learning more about their pros and cons? So, you will be able to choose which one is the best fit for your financial life, right?

What are the advantages of the Mercado Pago card?

Well, Mercado Pago brings several benefits to its customers, in addition to being a modern and interesting card.

Thus, you can take advantage of the proximity payment technology to make your purchases in a much safer and easier way, as it does not use a password.

So, another very interesting advantage is that there is no annual fee and the digital account is free. That way, you don't have to worry about those extra fees that many cards tend to charge.

In addition, the card has the Visa flag. Thus, you can use it in thousands of accredited establishments around the world, in addition to enjoying the benefits of the brand, such as the Vai de Visa program. With it, you get exclusive discounts at several partner stores, such as Renner, Magazine Luiza, Cocoa Show and much more!

Also, you can use Pix to make transfers and payments anytime, including weekends, without paying anything for it! Not to mention TED transfers, which are free and unlimited for any bank.

What are the advantages of the Superdigital card?

Undoubtedly, Superdigital brings many advantages to its users.

Thus, your Mastercard brand allows you to participate in the Mastercard Surpreenda rewards program. With it, with every purchase made on the card, you earn one point. That way, you accumulate points and can exchange them for exclusive products and discounts.

In addition, as the card is issued by Banco Santander, you also have access to the Santander Esfera program, in which you receive discounts and offers at more than 300 partner establishments.

Furthermore, it is a good option for those with a dirty name, as restrictions are not consulted at the SPC or Serasa.

Finally, one more positive point is that you can control your finances through the app and perform all functions with just a few taps. Thus, it became much easier to pay bills, make transfers, check the statement and much more!

What are the disadvantages of the Mercado Pago card?

So, one of the disadvantages of the card is its credit limit. This is because the value is established based on an analysis of the customer's profile, which takes into account the credit score and even the transactions carried out by the company's app.

So, depending on the assessment they make of your profile, you may not get as high a limit as you expect.

Furthermore, even if the digital account is free and you do not pay to make transfers, there is a small fee to make withdrawals on the Banco24Horas network in the amount of R$ 5.90.

So, although it is not a very high value, it is important to know all the conditions of the card so as not to have any surprises when you use it.

What are the disadvantages of the Superdigital card?

Well, one of the negative points of the card is the fact that it is prepaid. So, although it is an interesting function for those who want to have greater control over their finances, it may not be the most suitable for those who want to pay their purchases in installments.

In addition, some card services charge fees, so you need to be aware and know all its conditions so as not to be taken by surprise when using it. For example, the transfer to other banks is R$ 5.90 and the ticket issue fee is R$ 2.90.

Mercado Pago Card or Superdigital Card: which one to choose?

So, now that you know better about the two options, which one did you find more interesting: Mercado Pago card or Superdigital card?

So, calmly compare all the conditions and characteristics of each one so that you can decide which is the best choice for your current financial needs.

And if you're still in doubt about which one to choose, don't worry! Check out our recommended content below and find out more interesting card options available on the market!

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