Cards

Is Santander SX credit or debit?

After all, is the Santander SX card credit or debit? Find out the answer here, as well as learn about the features and advantages of this card in detail.

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Find out everything about the Santander SX card 

Afinal, Santander SX é crédito ou débito? Saiba tudo aqui. Fonte: Santander.
After all, is Santander SX credit or debit? Learn everything here. Source: Santander.

A very common question among card applicants is whether the Santander SX card is credit or debit, because most cards that are requested have both functions.

However, the Santander SX card is Santander bank's new credit card. In this way, the content that we are going to present will tell you how the card works, its characteristics, advantages and how to apply for it. 

Annuity12x of R$33.25
Exempt if you spend R$ 100/month or if you join the PIX system
minimum incomeNot required for account holders
R$ 1,045.00 for account holders
FlagVisa or Mastercard
RoofInternational
Benefitsadditional cards
international coverage
Exclusive benefits Go Visa or Mastercard Surprise
Features of the Santander SX card
card

Credit card

Santander SX

International Visa/Mastercard

ZERO annuity spending R$ 100/month and exclusive discounts at several establishments

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How does the Santander SX card work?

The Santander SX card, as the name implies, is a card offered by Banco Santander that works like an international credit card, that is, you can make purchases inside and outside Brazil.

Therefore, the question whether the Santander SX card is credit or debit is answered. After all, as already mentioned, it is Santander's new credit option.

In addition, the card has two flag options, namely Visa and Mastercard. In other words, they are two of the most accepted flags in the world. And, linked to them, customers can count on the benefits offered by both. In other words, they participate in the Vai de Visa or Mastercard Surprise programs.

Despite this series of advantages, the holder has to pay an amount related to the annuity. So, as we can see in the previous topic, the annuity can be around R$399.00 per year. However, there is a possibility of exemption. To do so, the customer only needs to purchase a minimum amount of R$100.00 on a monthly basis.

Finally, the card issued by the Santander bank is in great demand among people, as it is not necessary to be an account holder at the bank to have access to the various advantages offered by it.

How to know if SX card is credit or debit?

Tenha seu cartão Santander SX independente de possuir ou não conta no banco. Entenda as funções do cartão. Fonte: Santander.
Have your Santander SX card regardless of whether or not you have a bank account. Understand the functions of the card. Source: Santander.

Let's now find out how to know if the Santander SX card is debit or credit! The bank's account holders are the ones who have this doubt the most.

However, the answer is quite simple. In addition, it is available when we are requesting the card, or even on the Santander bank website. However, the card works as a credit for any holder who requests it. 

In addition, to apply for the card, it is not necessary to be a bank account holder. However, if customers are account holders or choose to be, they may have access to other card options with a debit function.

Do you have a Santander SX debit card?

Afinal, o cartão possui função débito? Fonte: Adobe Stock.
After all, does the card have a debit function? Source: Adobe Stock.

In the first place, to understand whether the Santander SX card is a credit card or if it has a debit function, we need to understand the bank's purpose in offering this product.

Therefore, when launching the Santander SX card, the bank's main objective was to reach the widest possible audience. In this way, a card was made available to which anyone could have access, whether they are account holders or not. For this reason, the card does not have a debit function.

That is, in the case of Santander SX, only the credit function is available and its request can be made online, by anyone. However, if the client is a bank account holder, he has some advantages, such as, for example, not requiring a minimum income.

Therefore, although we know that the SX card is a credit card and that we cannot use debit functions with it, many people appreciate the card's features. Its advantages are enormous:

  • Possibility of free annual fee for customers who pay at least R$100.00 per month invoice;
  • Up to 5 additional cards;
  • International coverage;
  • Advantages of Visa or Mastercard;
  • Card management through the Way Santander app;
  • Among others.

Finally, ordering your card is simple. Therefore, just access the Santander website, download the app or go to a branch. The process is fast, easy and secure. No bureaucracy! Above all, aiming at the possibility of more people having access to the card.

So, if after finding out whether the Santander SX card is debit or credit, you still want to apply for your card, check out our recommended content and follow the step by step. Request yours and enjoy all the advantages of Santander.

How to apply for a Santander SX card

Request your Santander SX card without bureaucracy and with ZERO annuity spending R$ 100/month.

About the author  /  Marina Poncio

Graduated in Financial Management from UNOPAR. Acted as manager of large multinational companies. He is currently dedicated to editing, planning and producing content for the web specializing in economics and finance.

Reviewed by  /  Junior Aguiar

Senior Editor

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