Having a credit card is synonymous with freedom. And for INSS retirees and pensioners, there is the option of taking out a payroll loan, such as, for example, the BMG Multi credit card. In advance, it is good to make it clear that this card is exclusive to INSS beneficiaries who receive the benefit at the BMG bank itself. However, it is very simple to do the portability.

In today's article, we'll tell you all about this card. Continue reading and check it out!

As mentioned, the BMG Multi credit card is exclusive to INSS retirees and pensioners who receive the amount directly into their BMG bank account. Card management can be done entirely through the BMG application. 

The card has international coverage and the Mastercard brand. In this way, it is accepted in several establishments throughout Brazil and the world. Still talking about benefits, the card is free of annual fees and access to the Mastercard Surpreenda program.

In addition, it has the debit and credit functions available. As well as unlimited free withdrawals on the Banco24Horas network.

When you carry out the portability of your benefit, you automatically receive a digital account and a debit card. That same card can have the credit function activated. For this, it is necessary to request the app itself to wait for the credit analysis.

Another important information: this is a payroll card. That is, part of the invoice can be debited directly from the benefit amount. 

The BMG Multi credit card limit depends on the credit analysis. However, consigned cards have an easier analysis. Due to the guarantee of receiving part of the invoice amount, as it is debited directly from the benefit.

For those who already use the BMG digital account, it may be worth asking for the credit card. Now, for those who need to carry out portability, check out the advantages and disadvantages below.

The BMG Multi card has several advantages considering that it is a payroll card. 

First, the card is part of the Mastercard Surprise program. This points program offers several benefits and discounts. With it, it is possible to collect points from purchases and exchange them for products in partner stores. 

Secondly, BMG Bank itself has a scoring program. Mundo BMG offers benefits such as cashback. That is, each purchase entitles you to a cashback value. This amount can be reversed in invoice discounts. In addition, Mundo BMG also has a partnership with Amazon and Globoplay, offering discounts.

Finally, one of the best advantages is that they approve the credit even with a low score. As we have already mentioned, as it is a payroll card, the bank already creates a relationship with the customer. Giving more confidence to offer an initial value at the limit.

The biggest disadvantage is that this credit analysis can take a few days. So if you need the card in an emergency this may not be the best option.

To have your BMG Multi credit card, you need to create a digital account at the bank and carry out the portability of the benefit. You can then order the card from the app itself. In the recommended post below, we detail how the BMG Multi card application process works. Check out!