First of all, in this Saraiva card review you will find out about all the features, advantages and disadvantages of this credit card. In partnership with Banco do Brasil, the Saraiva card offers exclusive discounts for users and may be the ideal choice for you.

In addition to being exempt from annuities, the Saraiva credit card has the Visa brand and its customers are part of the brand's benefits program. Incidentally, the card can be used internationally and you even accumulate points that can be turned into airline miles. See more features below.

Firstly, Saraiva is a very well-established book and electronics store in the country. Founded in 1914, it currently has around 20% of the book market in Brazil. In this way, the company entered into a partnership with Banco do Brasil to issue its credit cards with the Visa flag. So, don't worry, Saraiva cards are completely safe.

Well then, you can request your Saraiva card only through Saraiva's own website or Banco do Brasil or even through the application. That is, it will not be possible to join in person in physical stores.

Furthermore, the Saraiva card has no annual fee and you can use it nationally and internationally. By the way, because it has the Visa flag, the card is accepted in millions of establishments around the world.

In addition, you participate in the brand's benefit programs, in addition to exclusive discounts and installments for purchases at Saraiva stores. Therefore, continue reading our Saraiva card review and learn more.

At first, the Saraiva card becomes quite attractive since it does not charge its users an annuity. Also, the card does not require a minimum spend per month to be exempt from this fee. Therefore, even if you do not use your Saraiva card, you will still be exempt from paying an annual fee.

Furthermore, you can use your Saraiva card in Brazilian and foreign stores, or even on trips abroad, since its coverage is international.

So, according to the official website, the Saraiva card has no annual fee, membership fees or maintenance fee. However, be aware of withdrawals at Banco24h terminals, as they may charge fees and interest.

Well, the flag offered for the Saraiva card is Visa. With it, you participate in the Vai de Visa program, in addition to accumulating points that can be exchanged for airline miles. Visit the brand's official website to learn more about the benefit plans.

The Saraiva credit card accumulates several advantages that make it very attractive in the eyes of the public. Check out some of them now.

First, what most calls attention in the Saraiva card is the annuity exemption. In this way, there is also no minimum monthly spending requirement for customers to be exempt from the fee. Incidentally, you can still request up to 4 additional cards, all also exempt from annuity.

In addition, the card participates in the Vai de Visa program and also accumulates points that can be exchanged for airline miles through the BB rewards program. You also participate in the Saraiva Plus program, accumulating points with each purchase that can be exchanged for cash discounts in stores.

You can still manage your Saraiva card through the Ourocard application. With it you can block or unblock your card, manage your expenses, generate virtual cards for online purchases, among other features.

Finally, you can also make cash withdrawals at Banco do Brasil ATMs or Banco24h terminals. But watch out for interest charges! You could end up in debt.

So, the main disadvantage of the Saraiva card is that its approval can be quite bureaucratic for people who are not Banco do Brasil customers. Therefore, if you are not an account holder, the process may take a little longer for you.

In this sense, the credit analysis is also a little time consuming. Therefore, if you are negative or have a lower score, you run the risk of having your proposal denied.

Furthermore, Saraiva card purchases do not generate significant points for exchanging benefits in stores. So you may find other card options with no annual fee that are more advantageous for you. But it is important to say that it all depends on your consumer profile.

Well, as previously mentioned, the Saraiva card has an Ourocard app. With it you can manage your expenses, block your card in case of loss or theft, unblock your new card or even make your request.

The application is very intuitive and you can access it even if you are not a Banco do Brasil account holder, just register. By the way, it is available for both Android and iOS.

If you've read our entire Saraiva card review and are interested in applying for one, don't worry, we'll help you.

First, if you are a Banco do Brasil account holder, you must download the Ourocard application and register. After logging in with your password, you must select the “Card” option on the homepage. Then select the “Request card” option and choose the desired card option. Now you just need to wait for the card to arrive at your address.

So, if you are not a Banco do Brasil account holder, you can also request it through the app. To do this, you must open the app and select the “Products for me” option. Then, you must inform your CPF and select “Credit Card”. Then follow the application's instructions for releasing your phone device.

It is important to inform that you must have your personal documents, such as RG and CPF, in addition to proof of income and proof of address. In this way, you must wait for the analysis of your proposal, which may take up to 3 working days.

Therefore, if you are approved, you must access the application following the same steps mentioned above, and choose the desired card. Ready! Now you just need to wait for the card to arrive at the specified address.

So, are you interested and want to know the step-by-step in detail? So access our content below!