Today, we bring you special content for university students looking for a quality credit product with the credibility of a world-renowned bank. So, check out our Santander Universitário SX card review and find out everything that this excellent financial product can do to fully leverage your financial life!

Therefore, check the table below with its main features and continue reading to find out why Santander Universitário SX is the ideal card for you!

Grupo Santander is known worldwide as one of the main financial institutions in the market. Originated in Spain, it has more than 100 years of history, and aims to offer quality products and services to assist its customers in the most transparent and beneficial way possible. 

So, with the mission of serving the segment of young people and higher education students, he created the Santander Universitário SX card. A credit product that, in addition to enabling greater purchasing power, also offers benefits related to education, in addition to loyalty programs and pre-approved limits. 

So, if you're attending college and looking for a card full of advantages, how about learning a little more about this product? So, continue reading our Santander Universitário SX card review and see everything it can do for you!

So, one of the positive points that we can highlight in our Santander Universitário SX Card Review is that, despite charging an annuity, it is very easy to get rid of it. In this regard, you need to spend at least R$100.00 per month on the card. But if you can't reach that amount, no problem! Just register and keep your CPF and cell phone number as a PIX key in your Santander account and that's it. Zero annuity, and you save that amount to use however you want.

The coverage offered by the card is international, which means much more freedom to make your purchases in any physical or online store accredited with the Visa or Mastercard flag in Brazil and worldwide! And, you can still make your purchases over the internet using a disposable virtual card available in the app. 

So, the Santander Universitário card does not charge any membership fee, but you need to meet the bank's requirements if you want to be free of the annuity. Otherwise, it is necessary to pay the amount of R$33.25 per month.

Santander's official website does not inform what fees are charged beyond the possible annuity, but it is worth always keeping an eye on service fees, such as withdrawals at affiliated ATMs.

Furthermore, we know that credit card revolving interest rates are among the highest in the financial market. Therefore, it is important to always pay your invoices on time and in full. This is because the bank charges remuneratory interest, in addition to a late fee, late payment interest and IOF on late payments. 

Well, the Santander Universitário SX card offers both Visa and Mastercard brands and both have international coverage. Thus, you have much more financial freedom to make your purchases in any accredited store or website in Brazil and abroad.

In addition, you can register your card in the Mastercard Surpreenda or Vai de Visa loyalty programs. With the first, for example, you earn points when you use your card in purchases and can exchange the accumulated score for discounts at hundreds of partner establishments of the brand.

Without a doubt, we couldn't stop talking about the benefits offered by the card in our Santander Universitário SX Review, could we? And they're perfect for the student seeking financial independence.

Starting with the fact that it offers a pre-approved limit without requiring proof of income. With credit analysis, this amount can be higher, but every approved card has an initial limit of R$250.00. 

In addition, it offers several educational partnerships and programs that help you get internships and jobs in your field. You also have access to the extra limit if you study at a Santander partner university. That is, an extra limit to pay your monthly fee without impacting your credit limit.

And, with your Santander Universitário SX card, you are still part of the Esfera program, and have access to discounts and cashback at hundreds of stores and products. It also has a brand loyalty program with Vai de Visa or Mastercard Surpreenda. 

All this with a digital control through the App Way!

We can point out that the main negative point of this product is the annuity charge. Even with the possibility of exemption, the options are to pay R$33.25 per month or spend at least R$100.00 per invoice or even register and keep your CPF and cell phone number as your PIX key. So, either you need to disburse some amount or restrict your data for the exclusive use of the bank. 

In addition, the card is targeted to a specific audience. In other words, you can only access Santander Universitário SX if you are demonstrably attending a university. 

Then, you can manage all your card functionalities through the App Way. An exclusive Grupo Santander application, which you can find for free in the App Store and Google Play virtual stores.

With it, you have access to your limit, purchase history, invoices and you can also carry out transactions, such as payments and cell phone recharges. Therefore, to make your experience even more complete, download the app and enjoy all its benefits!

Finally, the application process for your Santander Universitário SX card is very simple and can be done in several ways. But, it is important to highlight that this product is only available to students enrolled in a university.

First, you can order your card through the official Santander website by clicking on “products and services” at the top. Then, you need to access the “credit cards” tab. So, just choose the Santander Universitário SX card option and click on “request card”. Then fill in the form with your personal data and wait for the institution's credit analysis. The answer to your request must arrive through the email or cell phone informed at the time of registration.

You can also order your card through the App Way app, available for free on the App Store and Google Play. That way, just access the app and register. Then tap on the “cards” tab and ask for your Santander Universitário SX.

If you prefer, you can also apply in person at a Santander bank branch, with your personal documents and college registration, or through the telephone service channels. The numbers available are 4004 3535 (capital cities and metropolitan regions) or 0800 702 3535 (other locations) and service is available from Monday to Friday, from 9 am to 9 pm, and on Saturdays, from 10 am to 4 pm.

And, if you want more details on the entire card application process, check out the recommended content below!