First, Ponto Frio, now Ponto, is a retail chain founded in Rio de Janeiro in 1946. Operating in the Midwest, South and Southeast regions of Brazil, it offers its customers thousands of products from the most diverse segments through its stores. physical stores and also e-commerce on its official website. So, today we are going to talk about one of the main products offered by the network in our Ponto Frio card review.

Despite being an even more advantageous financial product for those who shop at the store, the card is branded and accepted in millions of establishments in Brazil and abroad. It charges an annuity from a certain time, but the benefits offered can offset this amount if it fits your financial needs. Want to know more? So, check out the table below and continue reading below!

First of all, the Ponto Frio card is issued in partnership with Itaú bank and works in credit mode. Despite being a store card, it is accepted at any establishment accredited under the Mastercard brand and also offers international coverage for purchases on websites and physical establishments abroad.

So, how about knowing more details about the advantages presented above, in addition to the main characteristics and negative aspects of the card? So, don't waste time and continue reading, below, with our exclusive Ponto Frio card review! Let's go?

Undoubtedly, the annuity charge is a decisive factor for some people to decide whether or not to hire a financial product. In this sense, Ponto offers its new customers exemption from this monthly fee in the first year. But after that period you are charged R$11.90 per month if you decide to keep the card.

However, this small monthly fee can be justified by the coverage offered by the card, which is international. This way, you are free to shop in person or online at millions of establishments in Brazil and around the world. In addition, you can generate disposable virtual cards through the Itaucard app and purchase products and services on websites in a practical and safe way.

So, it is very important to know what amounts you need to pay to access this product, and now we are going to talk about them in our Ponto Frio card review. First, no membership fee is charged, and new customers are exempt from the annuity in the first year of use. However, the amount of R$11.90 per month is charged from the second year onwards.

The Ponto Frio card also offers some services that are charged according to use. For example, withdrawals at Itaú self-service terminals cost R$12.00 per operation, and if you need a duplicate card, you need to pay R$9.90 to the company for it.

To receive movement information via SMS, the amount is R$5.99 per month. In addition, you have the option of taking out guaranteed account pay and protected card insurance, but you also have to pay for them monthly.

Well, the Ponto Frio card has all the credibility of the Mastercard brand, one of the most accepted in the world. That way, you can be sure that you are purchasing a reliable product to make your purchases with all the security that only Mastercard can offer you.

In addition, you can register your card in the Mastercard Surpreenda points program. With it, you earn a point for every purchase you make, and you can exchange the accumulated points for discounts at various partner establishments and restaurants. Just keep an eye on the official website to check current promotions and enjoy the benefits!

Without a doubt, our Ponto Frio card review would be incomplete if we didn't mention the benefits it offers. So check out what they are below.

First, we can highlight that it is an excellent option for those who are used to shopping at Ponto stores, as in addition to offering exclusive discounts on hundreds of selected products, you can also pay your purchases in up to 24 interest-free installments.

So, through the partnership with Banco Itaú, you have access to a 50% discount on the ticket price in cultural programs, such as the network's cinemas and theaters. And you can also enjoy the benefits of the Mastercard brand with the Mastercard Surpreenda rewards program. With it, you accumulate points when you make purchases and exchange the accumulated points for discounts at partner establishments, such as stores and restaurants.

In addition, managing your card is done completely online through the application. There, you can ask for a limit increase, generate virtual cards, check your digital invoice and many other practicalities in the comfort of your home.

But we can't just talk about the advantages of the product, can we? In this sense, it is also important to highlight the negative aspects so that you carefully evaluate all the characteristics presented before requesting the contract.

So, the main disadvantage of the Ponto Frio card is the minimum income requirement. That's because they can only take advantage of the benefits offered by the product who earn at least R$800.00 monthly. That is, if you are self-employed or have no way of proving income, it is unlikely that your application will be approved.

Another negative point is the annuity charge. Even though the store offers exemption for the first year, you still need to pay the monthly fee if you want to keep the card after that period.

As it is a card issued in partnership with Banco Itaú, the Ponto Frio card has an exclusive application offered by the institution to manage all the functionalities of the product: Itaucard. With it, you have access to the available credit limit, purchase history, invoices and many other practicalities to improve your day to day.

So, download the app right now and enjoy all these benefits! It is available for free download on the App Store and Google Play and is very easy to use. Thus, you have control of your finances in the palm of your hand!

Finally, we couldn't end our Ponto Frio card review without talking about the application process, could we? Well, the application process is simple and can be done in two ways: through the company's official website, or in person at any Ponto store of your choice.

So, to order your card through the digital platform, just access the Ponto Frio website and click on “Ponto card”. Then, carefully read the information presented on the page with the information about the product, and then click on “ask for your card now”. To continue the process, it is necessary to register with the Ponto website. Therefore, if you are not yet a customer of the store, go back to the home page and create your account before proceeding with the order.

After entering the CPF in the required field, a quick credit analysis is performed to assess whether the card is available for your financial profile, this analysis also defines your credit limit. If everything is ok, just wait for the product to be delivered to the address entered in your registration.

But, if you prefer, you can also request your card in person from one of the attendants at Ponto Frio stores. Just show up with your documents, in addition to proof of income and residence.

And, if you still have questions about how to apply for this great credit product, check out the recommended content below for more details on the application process!