Undoubtedly, choosing between the Ourocard Universitário card or the Santander Universitário card is complicated, after all, both offer numerous benefits, which for students translate into high limits and discounts, right?

Therefore, it is important to know the differences and advantages of each one, since university cards exist to serve an audience that does not have access to traditional credit cards because they do not have proof of income and fixed salary, for example.

Firstly, the Ourocard Universitário card is one of the oldest in the model, with a minimum limit of R$1,500.00 without proof of income, with greater chances of approval for those who have some student financing, such as FIES.

Secondly, the Santander Universitário card is also not far behind, offering an extra limit even to cover the monthly fees of private colleges, with the chance to even pay cheaper just for being a Santander Universitário customer.

Finally, to find out which university card best suits your profile, find out more details about both below in a comparison full of information, which, without further ado, will help you pay for college expenses without stress. So let's go!

In order for the credit card to be used only by a certain audience, the age limit to apply for the Ourocard university card is between 16 and 28 years old, that is, as soon as you enter college you can apply even if you are not a BB account holder .

At first, the student will have to prove the personal information and documents, the main one, the proof of enrollment in the educational institution. Even if there is no income, the guaranteed minimum credit limit is R$1,500.00, without ever charging an annuity.

It is certainly very easy to apply, after all, everything is done through the application and you can access the digital card even before the physical card arrives, that, of course, if you have the credit card approved for your case.

In addition, even though it seems like a limited card, the student has access to BB benefits and also to the credit brand, such as accumulating points in Vai de Visa and discounts in cinemas, theaters and other cultural programs, which is very useful for students, Is not it?

Both starting a college and being able to afford it are essential for the development of a young person and we know that many cannot get extra money, especially if they have never had a bank account.

Therefore, the Santander Universitário card offers a credit limit (undisclosed) for university students who do not have proof of income, only present documents that prove enrollment in the college and can take advantage of the benefits.

In addition, to get rid of the annuity, for example, the student must, per month, spend a credit amount of R$100.00. In addition, you can withdraw money from your credit card in emergencies and pay bills in up to 24 installments, with interest, of course.

By the way, another interesting benefit is the additional limit for education, where the university student who pays the monthly fee in credit mode can get an extra limit just for this purpose, even getting a discount in some cases, which is very interesting!

Although it is a university card, this option offers advantages for students that many BB customers already have, making the period of expenses related to college even easier, therefore, check out more benefits of the Ourocard Universitário card below.

First of all, the university Santander card is interesting for those who need financial organization to pay tuition, for example, as it offers an extra limit and discounts every week at specific universities, so see other advantages below.

In the same way that it has advantages, there are some uninteresting aspects of this option, since people who are over 28 years old and are university students cannot access the Ourocard Universitário card.

In addition, students cannot access investments or apply for loans, being limited only to the use of the credit card and normal movement of the current account, for example, that is, only by “upgrading” will the account change.

After the student makes the request, there is a delay for the approval to arrive, in addition, it is not possible to know what the minimum pre-approved credit limit is beforehand, since the information is not clear on the official website of the Santander Universitário card.

In addition, although there is an additional limit for paying the monthly fee on credit, it is not given to those who pay the bill in the current account. Furthermore, only students from universities that have an agreement with Santander can obtain this limit, that is, no benefits without this detail!

By the way, since you have all the information, can you define which one will best meet your college expenses, the university Ourocard card or the university Santander card?

In short, both have similar benefits, but checking whether your university already has an agreement with the Santander bank will help even more to take advantage of the advantages, so it is necessary to weigh this detail in the decision!

On the other hand, it is already possible to know which credit limit you will have with the Ourocard Universitário card, there is no annuity charge even without minimum spending and you can even accumulate points through the Visa flag, which is very similar to traditional cards!

Also, once you've decided, just make the request through the websites, if not, don't worry! There are other options for this audience that will be available below, in another comparison prepared by our team, so check it out!