The time has come to have all the information to decide between the Sicoob Classic card or the Santander SX card! In short, both are ideal for lower-income people who need credit.

Therefore, the cards have international flags accepted in thousands of establishments and depend little on physical branches, since they are handled through the application. So, know that if there are problems, solve them without leaving home.

In addition, while the Sicoob card is requested at the branch, the SX card can be ordered online. By the way, in the case of both cards, it is possible to choose between Visa and Mastercard flags. Including, the Sicoob card can also be issued under the Cabal flag.

So, check out more details of each one below. Thus, you will know annuity information, minimum income requirement, advantages and disadvantages. Let's go!

With 5 million customers across the country, the Sicoob cooperative has several credit card categories available. Incidentally, it is possible to choose by rates and card types, in addition to the flag. That is, there are at least six card types and three flags.

First, the request is made after opening the account. After that, the bank recommends the best card based on your financial profile. On the other hand, you can also ask which one you think is ideal for you.

So, the cooperative joined the wave of digital banks with a transaction application, where the customer unlocks the card, monitors expenses and makes common transactions, for example. Of course, the application allows you to track the invoice and ask for information.

It is worth mentioning that the Sicoob Clássico card is international with a Visa or Mastercard flag, and can also be issued under the Cabal flag, but in this case, it is national and does not have all the advantages of other brands, such as Sicoob Prêmios.

Know that this is the most basic version of the Sicoob cards, that is, it has the lowest annuity and minimum income requirement. Therefore, you will have a credit limit based on this income, of course. However, it can have gradual increases based on the movement of the card.

Among the features, the customer takes advantage of Sicoob's rewards program. That is, exchange points accumulated in each purchase for products or airline tickets. Finally, even with little bureaucracy, there is credit analysis in this option.

The Santander SX card stands out for its modernity and practicality, for example. That's because it has a dynamic application, the Way app, where the customer can request a credit card and also follow up on bank account transactions with just a few clicks.

Incidentally, Santander SX card customers enjoy the benefits of Santander Pass, where you pay for purchases without the card. That is, use watch tags, cell phones and even stickers provided by the bank. All this at no cost, of course.

Furthermore, this card has a high annual fee, which reaches R$ 33.25 per month, for example. However, it is possible to stay free by complying with some rules, including the minimum monthly expense of R$ 100.00 on the invoice. By the way, this card has several partners that offer discounts.

So, have a digital 100% option, with low fees and many advantages for low-income financial profiles, certainly. In addition, you guarantee approval in a few days. Finally, check out more advantages and disadvantages of Santander SX below!

Firstly, access to this card is facilitated. Plus, get 40 days to pay credit card bills at no extra charge. On the other hand, it is useful for emergencies, that is, you can withdraw your credit limit and pay in up to 12 installments without weighing your pocket. As well as you can pay the invoice in up to 12 installments.

By the way, also take advantage of the fact that the card can be issued in three flags, namely Visa, Mastercard or Cabal. That is, decide which points program is more advantageous, for example. That's because you can have access to Mastercard Surpreenda or Vai de Visa. Remembering that Cabal does not offer a reward program.

On the other hand, there is also the Sicoob rewards program, where every dollar becomes a point. After accumulating a certain score, redeem for products, invoice credit or airline miles. However, this benefit does not apply to Cabal branded cards.

Among the main advantages is the ease of excluding the annuity in this option. Therefore, spend R$ 100.00 monthly, in addition to registering your PIX keys in your Santander account. So stop paying exact R$ 33.25 monthly in the monthly fee.

On the other hand, the terms of installment invoices are advantageous if needed. That is, there is the possibility of paying in up to 24 installments with pre-defined monthly rates without abusive increases. By the way, this card does not need to be with you at all times.

With the authorization to use the Santander Pass, just approach and pay. In addition, the bank provides accessories for proximity payments, such as wristbands, watch tags, stickers for objects, etc. It is also possible to bring the card or cell phone with the application open.

Finally, benefit from the Esfera program, that is, enjoy discounts on purchases from the program's various partners.

First, you need to open an account and go to a Sicoob branch to apply for the card. That is, you will have to leave the house for this function and you can only use the application for unlocking and routine movements.

Furthermore, people with a clean name and a high score are more likely to secure this card. So keep your financial life up to date for the request to be approved.

So, know that the minimum income for Santander customers is R$ 500.00. That is, when you decide to open the account and apply for the credit card, the income required for new accounts is R$1,045.00

In addition, negatives may have difficulties obtaining this option, of course. Incidentally, your financial history and CPF are consultation tools from the bank before approval!

By the way, how was the choice between Sicoob Classic card or Santander SX card?

In short, both cards require a minimum income and credit analysis. However, they are ideal for those who are starting a new job and have minimum wage income, certainly. In addition to offering a reasonable limit, these cards provide access to purchases in installments at thousands of establishments.

So, the tip is to keep an eye on the CPF restrictions and set priorities to choose the ideal one. If you're still having trouble, don't worry. By the way, we have another interesting recommended content below with a new comparison between cards! Check out!