Everyone knows how troubled the life of a university student is, there are several activities on and off campus and so these young people need more practicality in other areas of life. That's why we came to present all the details of the Banrisul Universitário card. This could be your new card!

Therefore, with a view to making life easier for students, Banrisul brings interesting features to this service, such as the accumulation of points in the BanriClube program and a very low annual fee. In addition, there are other interesting factors in this card that can win you over. 

So, don't leave there and get ready to discover the Banrisul Universitário card!

The card comes in partnership with the two main flags and transaction operators in the world: Mastercard and Visa. Therefore, you can be sure that you will have access to the best services on the market. 

In general, we look for free annuities on cards of this type, and this is not what happens with Banrisul Universitário. However, their charges are quite low as we saw above. 

Thus, it is 12x of R$10 for models with the Mastercard brand against 12x of R$12.50. It is worth mentioning that in the case of Mastercard it is possible to have a year of exempt annuity. Note that we have a very small difference between these two, but that does not mean that one brand offers more services than the other.

Therefore, some of the main benefits of flags of this modality are:

In addition, it is worth remembering that Banrisul also offers an annuity waiver service for those interested in spending more on study materials. 

With the Banriclube points program it is possible to accumulate one point for every dollar spent, these points can be redeemed for some products, tickets, tickets and other things. 

Thus, if there are other points accumulated in partner programs such as TudoAzul, Smiles or LATAM, it is possible to transfer them to BanriClube. 

It is worth remembering that as it is a university card, the credit analysis is usually faster and less rigorous, even if the Banco do Estado do Rio Grande do Sul does not provide the minimum score for approval.

It's already clear that we're dealing with a product aimed exclusively at students, isn't it?

In this case, Banrisul targets not only undergraduate students, but also other more specific courses such as masters, doctorates and other specializations. 

In this sense, it is important to remember that the bank does not require a minimum income to approve the card. Adding one more point to the ease of purchasing this product.

But is it really worth it? Well, find out now the advantages and disadvantages of the Banrisul Universitário card

In that case, you should think about your financial life and understand what makes the most sense to you right now. Therefore, check only the positive and negative points of Banrisul.

The first disadvantage is that you need an invoice of R$1000 to deduct the annuity. For students, who generally have low incomes, a bill of this amount is totally out of the ordinary to deduct an annuity of R$100.

In addition, it does not have approved student credit. Young people often need some specific material and credit would be a good help, but Banrisul does not offer it.

First of all, you need to know that it is not necessary to be a bank account holder. That is, you can contract the services of the Banrisul Universitário card even without being a bank customer. 

Therefore, for those who are not customers, the only way to request the card is to go directly to a branch with personal documents and proof of enrollment in the course. 

For those who have a bank account, everything is simpler because the request can happen via the application itself. So, just look for the cards option and follow the guidelines given by the app system.

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