Cards

Nubank Ultraviolet Card or Caixa SIM Card: which one is better?

Find the ideal card for your profile by choosing between the Nubank Ultravioleta card or the Caixa SIM card, both of which have excellent benefits and serve different audiences. So, read our comparison and decide!

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Nubank Ultraviolet x Caixa SIM: find out which one to choose

Cartão Nubank Ultravioleta ou cartão Caixa SIM: qual o melhor? Fonte: Pexels.
Nubank Ultraviolet card or Caixa SIM card: which is better? Source: Pexels.

But, after all, why choose between the Nubank Ultravioleta card or the Caixa SIM card?

In short, the Nubank Ultravioleta card is ideal for travelers, it has cashback with annual income, a free account and movement through an application.

On the other hand, the Caixa SIM card is more traditional, with a chance of approval for negative payments and interest-free installments, in addition to access to flags for international purchases.

So, learn details between both options and choose which card will provide savings, high limit, fast approval and much more! Let's go!

How to apply for a Nubank Ultraviolet card

Have a card with the possibility of exemption from tuition, cashback, savings and comfort during long trips.

How to apply for the Caixa SIM card

Pay no annuity and pay your purchases in up to 24 installments without interest and also get immediate approval with chances for negatives.

Nubank Ultraviolet CardSIM Box Card
Minimum Incomenot requirednot informed
AnnuityExemptExempt
FlagMasterCardElo or Visa
RoofInternationalInternational
BenefitsEarn cash back on every purchase
Exclusive metal card
Health insurance and purchases
Cashback money earns year-round
do not pay annuity
Parcel purchases up to 24x
Install invoices up to 36x
reduced interest rate
But in the end, which is the best?

Nubank Ultraviolet Card

Imagine traveling to any destination and being able to have support when there are medical emergencies, as well as comfort if you need to wait at airports?

Although traveling is very good, it is necessary to make the experience more comfortable, therefore, Nubank Ultravioleta customers can take advantage of waits in lounges with food and drink, in addition to Wi-Fi and even sockets for cell phones.

In fact, you have to pay for the benefits by paying a monthly fee of R$49.00, which is fixed and specific to Nubank Ultravioleta customers, who still have to wait a while to receive the card.

This is because there is a list of interest, where the customer makes the request and waits for a credit analysis to be carried out by Nubank, so if you are already a customer, the chances of approval are greater.

Finally, the Nubank Ultravioleta card is an advanced version for those who want to save on travel, without losing advantages that we will describe in more detail below, such as cashback, free digital account and Mastercard programs.

SIM Box Card

Just like any traditional bank, Caixa also has options aimed at low-income customers, so the SIM card is for this audience.

Anyone can apply, as long as they are 18 years old and have a regular CPF, with chances of approval if they are negative, for example, but it is important that you already have a Caixa account.

It is likely that the Caixa SIM card fits in several cases, since it has the Elo or Visa brand and options for many audiences, such as the Caixa SIM female card, which has an exclusive design.

Furthermore, the request can be made online and there are also promotions related to the cards and brands available every month on the Caixa SIM website, so keep an eye out to save money.

In addition, it appears as one of Caixa's cheapest cards, with free annuity, lower interest rates and the possibility of large installments without any extra charges, so see more details below.

What are the advantages of the Nubank Ultraviolet card?

Afinal, quais as vantagens do cartão? Fonte: Unsplash.
After all, what are the advantages of the card? Source: Unsplash.

In summary, the advantages of the Nubank Ultravioleta card range from benefits for travelers and financial returns for any purchase, so check out the main advantages below.

  • Lounges and VIP rooms can be accessed upon presentation of the card, for more comfortable waiting times;
  • Masterassist Black is ideal for consultations, exams and health emergencies in any destination;
  • With cashback, pay for purchases and receive 1% of the amount;
  • The money returned annually yields 200% of the CDI and can be transferred;
  • Exclusive metal card without any numbers for more security;
  • Bought and want warranty? Have 90 days for thefts and accidents.

What are the advantages of the Caixa SIM card?

Right after approval, the customer has access to benefits from both the Elo and Visa brands, so see which ones we separate for you below.

  • With an active Caixa account, have chances of approval with a dirty name;
  • Don't pay annuity;
  • Promises lower interest rates;
  • Pay invoices in up to 36 installments and purchases in up to 24 interest-free installments;
  • Decide between two flags, Elo or Visa;
  • Get access to Elo Flex under the Elo banner;
  • Get an extended warranty with Visa purchases.

What are the disadvantages of the Nubank Ultraviolet card?

Although the advantages are interesting, it is important to point out that the Nubank Ultravioleta card ends up being for a limited audience, who need to wait some time on an interest list when applying.

In addition, the monthly fee cannot be changed, unless the customer has a high income and an approved limit of R$ 5 thousand, so spend this invoice amount monthly to get rid of the fee.

Furthermore, access to lounges can often be charged, depending on the airport, so presenting your credit card may not be enough to stay in these exclusive areas.

What are the disadvantages of the Caixa SIM card?

Undoubtedly, Caixa cards are traditional, but in this case, the bank leaves something to be desired in terms of information, since before applying, the customer cannot be sure whether his monthly income is sufficient or how long he should wait for approval.

On the other hand, even though there is a chance of approval for negatives through the promise of a low-income card, the customer will also only know if he tries through the request on the website.

So, know that you will also have to submit documents for approval, including CPF, RG and proof of residence.

Nubank Ultraviolet Card or Caixa SIM Card: which one to choose?

Conseguiu definir pelo melhor? Fonte: Unsplash.
Were you able to define the best? Source: Unsplash.

Once you have all the information, were you able to choose between the Nubank Ultravioleta card or the Caixa SIM card?

Since they are cards for different profiles, both serve the same purposes, such as payments for Netflix, Spotify, food apps and any international installment purchase. In addition to offering fast apps and free accounts.

In short, anyone who travels a lot and likes savings should opt for the Nubank card. But those who need a basic option for immediate approval can try the Caixa card.

Even more so that in the second option there is the possibility of approval for negatives. Since it is a card aimed at low-income people who seek to facilitate everyday purchases.

Therefore, also take into account your needs, CPF situation, financial moment and availability to pay monthly invoices that arrive according to the purchases made.

Whether you like it or not, we know it's hard to come to a decision. So, we prepared another interesting comparison, which brings advantageous options, with a high limit and immediate approval. So click on the recommended content below and check it out!

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