Cards
Know everything about the Blubank card
Find out what are the main features and advantages of the Blubank credit card.
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The main characteristics of the Blubank credit card.
If you have a limited and restricted name, know that the Blubank prepaid card is, without a doubt, one of the best options on the market for you.
This happens because, after you apply for the card, the bank does not analyze your profile to see if it meets the company's requirements or not.
For this reason, your name and profile are not verified by Serasa and the SPC.
Furthermore, it is not necessary, in order to apply for the card, that you present proof of income, that is, your monthly income.
If you make the card, it will be possible to have access to the card brand, which is Mastercard. With it, you can shop in almost all stores and establishments in Brazil and, who knows, the world, since, currently, it is very rare to see a place that does not accept the Mastercard flag, right?
Furthermore, in addition to the Mastercard brand, the card has international coverage, that is, you can, using the Blubank card, buy various products and services from places outside Brazil.
Below is a table that illustrates very well some of the main features of the card:
Annuity | Free |
Flag | MasterCard |
Roof | International |
minimum income | not required |
About the Blubank prepaid card
As you have seen, the Blubank card has several processes and services that are very unbureaucratic, which, consequently, generate more practicality and ease in the lives of its customers.
So if you have a dirty and negative name, don't worry! The bank accepts, even knowing that you are in the red, your request to make the card.
This happens because, unlike many traditional cards, the Blubank card does not carry out any profile analysis in specific bodies, such as, for example, Serasa and SPC.
There are, even today, companies that charge the annual fee for the card, that is, you must pay a fee, at least once a year, to be able to use the card and enjoy its benefits.
The Blubank card, in turn, does not exactly charge the card's annual fee, which makes all its customers exempt from paying it.
So, if you actually get the Blubank card, it will be possible, since you don't have to pay the annual fee, that you will save a lot of money, right?
However, not everything is free on the card! For you to issue your product, you will need to pay a fee, which currently costs R$44.99 reais.
Without paying this fee, it will not be possible for your card to be issued. So stay tuned!
BluBank prepaid card operation
As mentioned, the flag of this card is Mastercard. With it, it is possible for you to buy, currently, in almost all places in Brazil and even in the world, since it is very rare not to find a store or an establishment that does not accept this flag.
Since this card is prepaid, you need to load it before using it. So if you don't charge it from time to time, you won't be able to use it.
After placing a charge on your card, when you shop online with your card, you will have access to its credit function. Therefore, this implies that you have enough money on your card account to pay for your purchases.
However, if you go shopping in stores and physical establishments, that is, outside the internet, you will only have access to the card's debit function. So, you cannot buy, in physical stores, with the credit function.
After ordering the card, know that you will immediately receive both the physical version and the digital version of the card, being able to use them whenever and wherever you want.
What is the card limit?
Since, in order to use the card, you need to top it up from time to time, you will not need to create a bank account in order to have access to the card and the benefits it offers.
So, since you don't need a bank account to apply for the card, the entire process of managing the card consequently becomes much simpler and more practical.
With the card, you also have the option of making several personal loans over the internet. This program is promoted by a company called Simplic, which solves several financial problems in the market.
Therefore, since Simplic meets a great demand required by the market, it has become, due to its works, a very well-known and renowned company in the entire market.
For this program to take place, Simplic first analyzes your profile, as well as your profile and purchase history.
Were you curious to know what are the loan amounts offered by the company Simplic? So, see below what they are: you can receive loans from R$1,000.00 reais to even R$30,000.00 reais per month.
However, remember that there are still interest rates! It currently hovers around 2.9% to 17.90% per month. So, as you've seen, she's no joke! So be careful!
What are the advantages and disadvantages of the card?
To find out if it's really worth making the card, first check what the advantages and disadvantages of the card are, because that's the only way we can know if the product is good for us or not.
Therefore, see below the main benefits of the Blubank prepaid card:
CPF inquiry
To apply for a Blubank card, the bank does not need to study your profile.
So, there is a possibility that people who have a dirty and negative name will apply for the card, as the bank is not caring about their current financial and economic status.
This is an almost exclusive feature of the Blubank card, because, currently, almost all traditional companies study the profile of their potential customer so that, in this way, they can see whether or not he has an ideal profile for the company.
Therefore, your name will not be checked at Serasa, much less at the SPC. So rest assured!
Fast Approval
Another benefit that the Blubank card offers is that, right after ordering it, you can already receive it and, consequently, use it.
After you apply for the card on the website, filling in the form with your personal data, it will be possible, after the company's response (which usually lasts 24 hours), for you to access the card.
Also, you don't need to have a bank account for your request to be made, which makes it even easier, isn't it?
international coverage
Nowadays, most cards have international coverage; and the Blubank card, like most, has this feature.
So, you can buy products in stores and establishments that are only found outside Brazil.
Therefore, if you are in need of a service that is not currently available in Brazil, it is possible that with the Blubank card you will have access to it.
The best thing about this is that, in addition to purchases with the physical card, you can pay for your purchases online, which makes it more convenient for the customer.
Finally, it is possible for you to make withdrawals both in Brazil and abroad, depending only on your interest and your circumstances to choose the way in which you will withdraw your money.
Mastercard Flag
As mentioned, the card brand is Mastercard.
So, because of it, you will basically have access to all stores and establishments in Brazil and even the world, since the card has international coverage.
In addition to being able to buy abroad (Due to international coverage), you can buy products in almost all stores in several countries.
Annuity
Even today, most traditional companies still charge an annual fee for your card.
However, this does not happen with the Blubank prepaid card, since, once you have it in hand, you do not have to pay any annual fee to be able to use it and, consequently, to enjoy its benefits.
But, as you probably know, not everything is free. Therefore, you must pay a fee of R$44.99 reais to issue the card.
Once you pay this amount, you will no longer need to pay any fees.
Limit
Since the card is prepaid, you don't have any limit already stipulated, that is, you can spend your money freely.
To use the card, it is necessary, as it is prepaid, that you top it up from time to time.
In fact, as has been said, the card does not have a stipulated value, but it must have a limit. But the best point is here: you define the limit of your card yourself, that is, you choose how much you can spend per month or not.
loans
With the Blubank prepaid card, it is possible for you to take out several loans, all of which are completely online.
For you to make loans, you need to contact Blubank's partner company, which is Simplic.
Incredible as it may seem, you can borrow an amount that even ranges from R$500.00 to R$30,000.00 reais. It's a lot of money, isn't it?
However, before taking out a loan, check the interest rate, because you can, depending on your profile, be harmed by it.
Unlike what happens with the card, in order to take out loans, the company needs to analyze your profile before taking them out, as this is the only way to see whether or not you are able to take out loans.
How to activate the Blubank card?
First of all, you need to fill out a form with your information so that you can, in this way, order your card.
Generally, the card takes about 2 months to arrive. It will be sent to the address you entered on the form; so pay attention and don't put the wrong address!
However, for you to start using the card, you must first unlock it. If you are finding this unlocking process difficult and time-consuming, rest assured! You can do it over the internet, in a simple and practical way.
After unlocking your card, you will be able to use it completely and enjoy all its services, being able to make transfers, withdrawals, credit and debit purchases, etc.
Is it worth requesting the Blubank prepaid card?
As you've seen, the card has several advantages that, most likely, will be very useful for you, such as: exemption from annuity; low costs for using the card; prepaid card etc.
If these benefits are, in fact, helping your life, know that very few products available on the market can, like the Blubank card, help you.
Furthermore, if you have a dirty name, but still want to apply for a card, Blubank can undoubtedly be a good option, as the company does not study your profile and, even more so, is not not even caring about your financial status.
What makes the card different from others?
Compared to traditional cards, the Blubank card offers something innovative: the possibility of issuing the card with a dirty and negative name.
So, if you have a dirty name and, because of that, you are afraid to make a card, thinking that, because it is in the red, no company will accept it, don't worry! With this card, it is possible for you, regardless of your state, to be able to do it — with some ease, even.
Since the card is prepaid, you don't need to be afraid of going into debt, as this service automatically inhibits you from doing so.
Order yours now
If you liked the card and all its features and, therefore, would like to apply for it, click on the button below and find out the step-by-step instructions on how to apply for a Blubank prepaid card.
About the author / Gustavo Cezar
Reviewed by / Junior Aguiar
Senior Editor
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