Submarino (owner of the Submarino card) is one of the giants of the retail market, in the field of e-commerce. The company was founded in 1999 and its main characteristics are innovation and pioneering spirit.

In 2006, together with Lojas Americanas and Shoptime, e Submarino became part of B2W, one of the largest retail chains in the world.

It was in the same year that the company launched the Submarino Credit Card, which allowed financing in installments with interest for the purchase of products on the site, which included an exclusive rewards program and special promotions for card customers. 

Below we will list the main features and advantages of the card for you to know.

The Submarino card is a great option for those who usually shop on this site, which is one of the biggest and best in the country's e-commerce business. In addition, this card has several benefits.

And even if you are not a big customer of this company, or even if you don't know it, know that this company is known as one of the pioneers in Brazil, with regard to e-commerce (electronic commerce). In the retail store, you have the opportunity to find numerous options for products and services.

Furthermore, as the card has the Visa International brand, you can enjoy benefits for cards with that brand, such as the Vai de Visa loyalty program and the Visa Checkout tool.

In addition, this card has several exclusive advantages and benefits for its holders. Interested? Continue reading to learn more about the advantages and benefits of the Submarino credit card.

As mentioned, the Submarino card is full of advantages, of which we will mention the main ones below:

First, it is important to know that it is issued by Banco Cetelem and can be used in all establishments that accept credit cards.

Furthermore, the Submarino card charges an annual fee of R$15.70 per month (totaling: R$ 188.40 per year) and requires that its customer has an income of at least one minimum wage.

If you wish to be exempt from this annuity, simply register for the website's newsletter or register on the website itself and activate your email notifications. After that, you will receive an exemption invitation.

You can also pay in 12 interest-free installments, and if you want to expand this limit, you will be charged a fee of 1,99% per month. That way, you can make purchases from 18x to 24x. 

If you are not familiar with this program that was mentioned earlier, we will mention what it is about below.

The Leagues program works in a very simple way: every time you make a purchase using the Submarino credit card, you will receive a certain amount of points (Leguas).

It is important to point out that this program values purchases made on Submarino itself, that is, you will receive 3 leagues for every real you spend on purchases made on Submarino, while on purchases made on other websites, one real will be worth 1 league.

Therefore, when reaching at least 7,500 leagues you will already have access to a gift certificate. Here is the table with the values:

As previously mentioned, the Cetelem bank application offers several advantages and benefits and is essential to improve your experience when using your Submarino card, because the Cetelem bank is the one that issues the card.

Through this application it is possible to:

First of all, you should know that the Submarino card has international Visa coverage.

Therefore, you will have access to exclusive Visa benefits, these are:

Don't stop there! The Submarino card also offers many more advantages and benefits that will be listed in the following topics.

As mentioned, you can be exempt from the card's annual fee, but this is not the only advantage of it. Therefore, we will list more advantages that Submarino card holders are entitled to.

This benefit is exclusive to Submarino card customers. This advantage gives you the freedom to make purchases in up to 12 installments without interest or in 21 installments with interest at Submarino.

The submarine card has two different types of limits, namely: the card limit and the SuperLimite limit.

The first limit works just like any other: the Submarino card offers a certain limit of available installments. 

The Super Limit allows you to have an extra credit worth 3 times your card's revolving limit. This is valid for purchases in Submarino and Submarino Viagens.

Normally, Submarino already has several discounts on its products, but when you acquire the Submarino card, you will receive discounts and offers every day.

In addition, you also have exclusive discounts from Cetelem partners, which is the issuer of the card, as mentioned earlier.

Through the Cetelem app, you can control and organize your card releases, in addition to checking your limit and the best day to make your purchases.

In addition, you can access these same functions on Cetelem Online or even through the bank's own WhatsApp.

With the Submarino card, you can extend the payment of your invoices by up to 45 days!

In addition, you can also request a withdrawal over the internet, through the Cetelem App, by phone or even at Banco24Horas itself.

If you always shop at Submarino, this card is certainly an excellent choice.

However, even if you're not a customer, the card still has exclusive offers and benefits, so even if you don't usually shop there, it's still worth evaluating this option further. 

In addition, when purchasing the card, you will have access to the Cetelem bank application, which has several very useful features, such as: controlling and monitoring your expenses to improve your expenses, requesting a duplicate invoice, checking your limits, etc.

In addition, you can also register your invoice for automatic debit, check your balance and card fees, take out loans, among other features.

Your credit analysis works as follows: Submarino Finance Promotora de Crédito, together with B2W Companhia Digital and Banco Cetelem Brasil receive your request.

From then on, your credit score from the Positive Register at Serasa Consumer is verified. Subsequently, they will verify your Boa Vista SCPC profile and further analyze your payment history and consumer behavior.

Are you interested and want to know how to apply for your Submarino card? Then click the button below: