The Cetelem payroll card is a credit card that can be used anywhere that accepts the Elo brand. It has national coverage and belongs to Banco Cetelem. 

Ideal for INSS retirees and pensioners, the card has advantages such as, for example, annuity exemption and special discounts.

In addition, you can also download the application to take care of your invoice and expenses with this card.

Interested? So, read the article and check out how the card works and if it's worth asking for it. Let's go?

In summary, the Cetelem payroll card works similarly to the cards of this modality. Based on the amount of your benefit or monthly salary, a credit limit is available that can be used for purchases in commercial establishments, withdrawals and payment of bills.

Therefore, the payment of the invoice is linked to the receipt of your salary or benefit, with the minimum amount being deducted from your payroll. It is important to know, however, that the minimum payment uses 5% of the payroll margin.

In addition, the card has no annual fee, does not charge maintenance and gives you access to the Elo brand. That way, you can shop everywhere that accepts this flag within Brazil.

As it is a payroll card, this Cetelem option is available to INSS retirees and pensioners. So, if you are part of this audience, you can do the simulation on the official website.

When we compare the positive and negative points of the Cetelem credit card for INSS retirees and pensioners, we can say that it is worth getting yours.

However, this answer does not exempt you from calmly analyzing everything we have highlighted below and seeing if it is the right time to ask for a new card.

Undoubtedly, the great advantage of the Cetelem payroll card is the exemption from annuity and maintenance. But, it also has as a positive point the discounts of up to 20% in several partner stores.

In addition, with this card you can make purchases throughout the country, rely on Elo brand guarantees and access the bank's website or application to take care of your statement.

The biggest disadvantage of the payroll credit card is a possible compromise of your income, since the payment is automatically deducted from your benefit or salary.

Also, to make the card, you need to pay an issuing fee of R$15.00. As much as the amount is small and can be divided into 3x, it is still a fee to be paid.

In order for you to have a special credit card for Cetelem retirees or pensioners, you need to speak with a WhatsApp operator at the institution.

But if you want to know more details about the process, read the recommended content below.