The annuity-free Santander SX card is part of Banco Santander's digital offer. In other words, the ideal option for those who want to combine the best of both worlds. Therefore, you have the practicality of digital together with the security of traditional. 

In addition, the Santander SX card has international coverage and is also part of the Esfera program. An exclusive program for Santander customers that offers discounts and the possibility of cashback.

In this article, you will learn even more advantages of the Santander SX card. Continue reading and find out!

In principle, the Santander SX card is a card that offers digital benefits from Santander. That is, it does not have an annuity under certain conditions and also has discounts with Esfera partners. But it is worth remembering that the free annuity depends on some requirements.

Therefore, it is necessary to spend R$100 per month on purchases or register the CPF or cell phone as a PIX key in Santander. By the way, the card also has a virtual option that can be controlled directly from the application.

Continue reading below and see more details about the annuity-free Santander SX card!

First of all, we can talk a little about the Santander SX credit card limit. In this sense, this value depends a lot on your proof of income. Incidentally, for non-account holders to have the Santander SX card, it is necessary to prove a minimum income of R$1,045. 

That way, your limit will be proportional to that amount or what you prove of monthly earnings. However, the minimum limit guaranteed by the bank is R$ 250.00. In addition, it is important to use your Santander account frequently, to ensure that the bank understands your financial habits.

In general, the annuity-free Santander SX card has several advantages. Among them, we can mention the Esfera program as the main one. That's because it is exclusive to Santander customers. With it, you get cashback at Shopping Esfera and you also get a discount at partner companies.

In addition, the Santander SX card has the Visa or Mastercard flag. Therefore, its users have access to the rewards program of the respective flags, being Vai de Visa or Mastercard Surpreenda. In addition, it is possible to make cash withdrawals on credit and pay your invoice in up to 24 installments.

Basically, the Santander SX card has some disadvantages for non-Santander account holders. In that case, he requires proof of income.

Also, if you don't spend R$100 per month, you will need to pay the monthly fee for the annuity. This value is 12 installments of R$ 33.25.

As we mentioned earlier, the annuity-free Santander SX card bill can be monitored by the application. Therefore, with the Santander Way app, you have access to your invoice and many other services.

Fortunately, Santander offers Call Center services for Santander SX customers. Therefore, if you need any information or consultation, see the numbers below:

In addition, it is also worth mentioning the hours when these phones are available:

In summary, applying for the Santander SX card online can be very easy. Therefore, there are two ways: both through the website and through the application. In this sense, you just need to access the website or the application and fill in some basic information. 

In addition, you will also need to send some documentation to prove that you can receive a credit amount. After that, the bank will review your history and give you the card offer.

Among Santander bank cards, the annual fee-free Santander SX card is one of the easiest to apply for. This is because the minimum income is R$1.045 or being a Santander account holder.

If you already meet these requirements, but still do not have access to the card, we recommend that you continue using the digital account. In this way, the bank can learn more about your habits and financial history.

As already mentioned, the Esfera program is exclusive to Santander. Therefore, you can have access to several benefits, such as discounts of up to 50% in partner stores, such as Natura, Casas Bahia, Renner, among others. As well as you can have cashback on purchases made at Shopping Esfera.

Finally, you could learn a little more about the Santander SX card, free of annuity. In this way, the card offers a digital option in conjunction with a traditional bank. In other words, practicality allied to the essential services of a bank.

But if you want to give a chance to a digital bank, we recommend Nubank. That's because he is a pioneer in this segment and has already achieved a lot of recognition. In this sense, the card also has no annual fee and has great benefits.

So it's up to you to decide which card option is best for you. That's because, one has the combined benefits of digital with traditional. The other, on the other hand, has many facilities of a digital bank.

See the comparison between the two cards below: