If you don't know which credit card is the best option for you, how about checking out the exclusive Submarino card review we prepared?

Here, you will learn more about the pros and cons of the financial product to decide if it is a good option for your current needs.

Therefore, check the table below with its main features and continue reading to find out more about the card. So let's go?

Undoubtedly, the Submarino card is an interesting option for those who want to shop and also enjoy several exclusive benefits.

So, the product is a partnership between Submarino and Banco Cetelem, which is present in over 18 countries and is one of the leading companies in the consumer credit sector.

Thus, when requesting the card, you can be sure that you are purchasing a reliable and quality product.

Therefore, check below the most important points of the financial product with our Submarino card review!

Well, if you want to shop all over Brazil, both in physical stores and online, the card may be the ideal option.

Thus, it has wide national coverage and is accepted in thousands of establishments throughout Brazil so you don't miss any offer.

As for the card's annual fee, it is necessary to pay a monthly fee of R$ 15.70. Therefore, you need to have good financial planning and include that amount in your monthly expenses.

Costs could not be left out of our Submarino card review. Although applying for your card is free, you must pay certain fees to perform certain operations.

For example, for withdrawals at ATMs in the Banco24Horas network, a single installment of R$ 13.90 or R$22.00 is charged in installments.

Furthermore, if you need a 2nd copy of the card, you must pay an amount of R$ 22.00 for the issuance and manufacture of the product.

Furthermore, purchases in up to 12 installments do not carry interest, but in installments of 18 to 24 installments the rate is 1.99% per month.

And, as already mentioned, there is an annuity paid monthly in the amount of R$ 15.70.

Therefore, it is important to know all the conditions of the card so as not to have any surprises when using it.

So, the card has the Visa flag, which is one of the most recognized in the market. This way, you can shop in person and online at thousands of accredited establishments.

In addition, you can still participate in the Vai de Visa benefits program. With it, you can enjoy exclusive offers and discounts on services and products from partner stores, such as Decolar, Taco Bell, Renner and much more! Thus, purchases are made with a voucher, discount code or with the card itself so you can take advantage of all the incredible offers available.

In this Submarino card review we also need to talk about the advantages. Well, one of the positive points of the financial product is the Léguas Program. With it, you earn Leagues with each purchase to exchange for gift certificates.

So, it works as follows: for every R$ 1.00 spent on purchases at Submarino, you receive 3 Léguas. In purchases made at other accredited stores, you earn 1 League for every R$ 1.00. When you accumulate the Leagues, you can exchange them for gift certificates from R$ 50.00 to R$ 250.00 to be used in any product on Submarino. Amazing, isn't it?

Another advantage of the card is that you can take advantage of special installment payments for purchases on the Submarino website. Thus, you can make purchases in up to 36 equal installments. That way, you don't miss out on any offers!

In addition, you can withdraw money on the Banco24Horas network and also through WebSaque in a much more practical way, in addition to checking the card limit and the invoice through the digital account. That way, everyday life gets a lot easier, don't you think?

In addition, the card also offers the SuperLimite, which works as an extra credit to spend on Submarino purchases in installments. This way, you have the credit limit established for purchases at establishments that accept the Visa flag and the SuperLimite to take advantage of all Submarino offers.

Well, as we mentioned here in the Submarino card review, one of the disadvantages of the financial product is that it has an annuity fee, as there are other options on the market that do not charge the fee. In addition, there are other charges made for some functions, such as withdrawal and issue of the 2nd copy of the card.

Furthermore, many offers and benefits are aimed at Submarino customers. Thus, it ends up being a more advantageous option for those who usually shop more frequently in the store.

Another negative point is that the limit of your financial product is determined based on the analysis of the customer's profile. Therefore, depending on the assessment made, the approved credit limit may not be as high as desired.

In addition, you need to prove a minimum income of one minimum wage to apply for your card. Thus, if you cannot provide proof, the card may not be approved.

Finally, it is not the best choice for those who want to shop at international establishments and websites, as coverage does not extend to these locations.

Therefore, you must evaluate all the positive and negative characteristics of the card to decide if it is a good option for you!

Well, the financial product was created in partnership between Submarino and Banco Cetelem. Therefore, to control your expenses and follow your invoice, you must download the Cetelem app. Thus, you do all finance control through your digital account.

However, you can also download the Submarino application to gain access to several special advantages, such as discount coupons, promotions and exclusive offers from the store.

So, both apps are available for both Android and iOS systems and can be downloaded from Google Play and the App Store.

Well, as mentioned above, the card is issued by Cetelem.

Therefore, you control your expenses through your digital bank account. Thus, you only need to download the app to access card information and perform various functions. Much more practicality, right?

So, the process of applying for the card is very quick and is done online 100%. To do so, you must access Submarino's official website and fill in the form available. After that, your profile will go through the bank's credit analysis.

So, if everything is right, you will receive approval by email and the card will be sent to your home within 7 working days after the product is issued.

Once you have the card in hand, you just need to unlock it so you can shop and enjoy all its benefits. So, you can unblock it through the official website of Banco Cetelem or by calling the Cetelem Relationship Center. Very easy, isn't it?

Now that you've known everything you need with the Submarino card review, it's easier to decide if it's a good choice for your financial needs.

Therefore, calmly evaluate its advantages and disadvantages to make the best decision for your finances. Furthermore, if you decide to request it, access our recommended content and check out the detailed step-by-step process.