If you are looking for a credit card with no annual fee and full of advantages, our Cetelem Payroll card review can help you!

Today, you will learn about the pros and cons of this financial product to decide if it is a good option for your current needs. So keep reading and don't miss this opportunity! Let's go?

Well, Banco Cetelem has been operating in the Brazilian market since 1998 and is one of the leading companies in the consumer credit sector.

So, when purchasing your financial product, you have the security of contracting a reliable and quality service. In addition, it is a modern product, which is always looking to offer more convenience to its customers.

However, it is important to mention that the card is intended for INSS retirees and pensioners, as the payment of the minimum amount is made directly to the customer's benefit. Thus, if you do not fit the category, you will not be able to order the product.

So, check out its main features now with our Cetelem Payroll card review!

So, one of the positive features of the card is that it has no annual fee. So, you don't have to worry about this extra charge and you also save money at the end of the month.

In addition, the card has wide national coverage. This way, you shop at thousands of establishments throughout Brazil, both in physical stores and online.

This way, you can pay in cash or in installments and you can also withdraw money from the Banco24Horas ATMs.

As already mentioned, the card is free of annual fees and there is no maintenance fee. However, it is necessary to pay the membership fee of R$ 15.00.

In addition, as it works in the payroll mode, the interest rates are lower than those of traditional credit cards. Thus, the fixed rate is 2.7% per month.

Well, the card has the Elo flag, which is accepted in thousands of stores throughout the national territory.

In addition, you can also participate in the Elo Flex program. With it, you can customize your card with the most interesting advantages for your needs.

For this, you choose 3 benefits available to assemble your combo. So, you can take advantage of travel services, connectivity, shopping, education and many others!

So, one of the positive points of the product is that the control of your invoice is done directly through the bank's website or application. In this way, it is much easier to manage finances without having to leave your home.

In addition, you can enjoy up to 20% of special discounts at partner stores, such as Centauro, O Boticário, Vivara, Casas Bahia and much more! An incredible opportunity for you not to miss any offers, isn't it?

Another benefit is that you can withdraw money from the Banco24Horas network throughout Brazil or, if you prefer, you can request the withdrawal via the website or telephone and the amount is deposited in your current account.

In addition, the minimum invoice payment is made through a discount on your INSS benefit and you can pay the remaining amount by bank slip. However, it is worth noting that the maximum amount of the discount is up to 5% of the benefit.

In addition, the card also offers the Minha Saúde + program. With it, you have access to health services at a much more affordable price. Thus, you receive up to 80% discount on exams, medical and dental appointments. Amazing, don't you think?

Now, let's talk about the negative points of the product so that you don't have any surprises when you use it.

Well, one of its disadvantages is its national coverage. Thus, if you are looking for a credit card to shop at international stores and websites, it may not be the most suitable one. So, although it is accepted throughout Brazil, you cannot use it abroad.

In addition, the card is intended for INSS retirees and pensioners, as it works in the payroll mode and the discount is made directly to the customer's benefit. Therefore, you cannot request it if you do not fit into this category.

Finally, you go through a credit analysis to get the card approved. Thus, one must be within the requirements stipulated by the bank to get yours and enjoy all its advantages.

Undoubtedly, the application makes your daily life much easier. With it, you can control your account and perform several operations, such as checking the invoice, checking the available limit for withdrawals and purchases, using direct debit and several other functions!

So, it is available for both Android and iOS systems. So, to use it, just go to Google Play or the App Store and download the app for free.

Well, when you access the official website of Banco Cetelem, you can register in the Client Area to have much more convenience and agility in managing your account.

Thus, to register, you must enter your CPF in the available field at the top of the website page. Then, provide the necessary data and information and confirm your password. After that, you will receive a code by SMS to verify the operation and you are all set!

There you will have much more security and practicality to use various services, such as accessing the card limit and invoice, checking the statement, requesting a withdrawal and much more!

Well, if you are interested in the card and want to take advantage of all its benefits, know that applying is very simple.

First, you must do the simulation that is available on the website. Then send the documents and enter the requested data. After that, you will need to wait while the bank analyzes your request.

Once you receive the response, you must sign the digital contract to finalize the contract. Very easy, isn't it?

Finally, once approved, you just need to wait for the card to arrive at your home within 7 working days to shop all over Brazil and enjoy its benefits.

So, now that you've checked out our Cetelem Consignado card review and got to know the product in more detail, it's easier to decide if it's a good option for your financial life, isn't it?

Therefore, calmly evaluate all the pros and cons of the product to make sure it fits your needs. Also, make good financial planning so you don't run the risk of having losses with your card and always pay the bill on time.

And if you want to know the detailed step-by-step on how to apply for your Cetelem Consignado card, check out our recommended content below!