Yes, there is no shortage of advantages and benefits at Caixa Simples. In addition to direct payment into the INSS benefit, offering greater financial control to its holders, the product offers so many facilities that it has become an irresistible proposal, especially when we are referring to retirees and/or negatives, who are the two publics that most face bureaucracies to apply for your conventional credit card.

Among its many benefits, we have:

But it is clear that Caixa Econômica Federal went much further than just these three advantages. See what else the card has to offer you!

As we just mentioned, Caixa Econômica Federal was not content to offer just three – which are great, by the way – advantages to its users. The bank went further and created even more a range of benefits that make, in fact, Caixa Simples an irresistible proposal.

Who never went through a situation of financial tightening, right? In this case, all we want most is a little more money dripping into the account, no matter how much interest is charged for this - after all, the need always speaks louder!

With Caixa Simples, you may see a light at the end of the tunnel when this type of situation knocks on your door. This is because the card allows from 20% to 70% of the credit limit to turn money into the account, simply requesting this service at the time of contracting.

On this deposited amount, revolving interest charges + IOF accounted for from the day the account is credited to the day the invoice is paid. Of course, the best case scenario is not having to use it, but if you have old debts, the tip we have is to use this credit contract, which has reduced rates, to pay off other outstanding debts with greater financial burdens.

As they belong to the Elo brand, the customer has the labor service of a specialized professional to carry out minor repairs in their home, such as electrical and plumbing inspections, installation of shelves, curtains and blinds, cleaning of the water tank and others. . One detail is that this service is available to you up to three times a year. Nice hand on the wheel, don't you agree?

Another great benefit that comes from the fact that Caixa Simples is under the Elo brand is that its users have access to the Clube Elo Mania Caixa program, which offers several products and services with unmissable discounts. And detail: this benefit is exclusive to cardholders, huh?! That is, it is a very special and unique advantage.

Bearing in mind that Caixa Simples card issuing bank is Caixa Econômica Federal, you will then be entitled to the promotions that the financial institution frequently offers with its partner companies. And look, there are several, as far as the eye can see!

For example, how about being entitled to free delivery when you buy over R$ 25.00 at Habib's or Ragazzo via the restaurant app? Or else get up to 75% off at the Pague Menos pharmacy? Too good, isn't it? But keep in mind that these examples are just two of the many discounts you'll get simply for making your purchase with your Caixa Simples credit card. In fact, the offer is huge and you will find something to call your own!

Among the cards that are easier to approve than negative ones, we have two types: payroll, which is the case of Caixa Simples, and prepaid. In the latter, the operation is very different from a conventional card, since you use it in the credit function, but the amount is deducted at the time of purchase as if it were a debit.

In this way, the prepaid credit card does not allow the installment of your purchases, since you only spend the balance that you have on the card. Although this is a huge advantage for those who don't have financial control, the fact is that it makes it impossible for you to make high-value purchases that exceed your monthly budget. For example, you know that iPhone you want so much but can't buy in cash? So, with a prepaid card in hand, you would still not have your cell phone.

However, this situation changes with a payroll card in hand. In the case of our example, many people are unable to purchase their iPhone in cash, but they would be able to fit the amount in installments into their monthly expenses. Here comes the advantage of Caixa Simples: with it, you can pay your purchases in installments as if it were a conventional credit card. Perfect, no defects!

Here is the golden question: how to apply for your Caixa Simples card? Just like the name, it's quite simple and hassle-free to order your unit. In the next text, we explain exactly how it is done.