Have you ever wondered which is the best card between Sicoob Platinum or Sicredi Platinum? So, today we will help you understand which one suits your needs. For this, it is necessary to analyze some factors, such as advantages and disadvantages.

It is worth noting that both are financial products from large Brazilian credit unions, as well as offering great benefits to customers, such as the institution's and the brand's rewards programs.

So how about choosing between two unique and exclusive cards? Also, check out our comparative text and decide which one is the best option for your financial life. Let's go!

With 5 million members, the Sicoob cooperative has become one of the largest in the country. In addition, it offers customers several card categories, from the most basic to the most premium version, such as Platinum. In addition, it is possible to choose between Visa and Mastercard international brands.

Therefore, in this case of Sicoob Platinum, you must have a bank account at the branch, as well as prove a minimum income and pay an annuity to access the benefits. However, the values are not informed on the website. In addition, to request it, it is necessary to go to the nearest cooperative.

Finally, this option is the best one to have when traveling, as it has many advantages related to both domestic and international travel. For example, if you choose the Visa flag, you can take advantage of the Visa Airport Companion, Visa Concierge, Visa Medical Online and the Vai de Visa program.

If you opt for the Mastercard brand, you will have benefits, such as the Schengen Charter, Mastercard Concierge, Mastercard Priceless Cities, International Offers and the Mastercard Surprise program.

Primarily, this card is for higher-income cooperative customers. Therefore, it is necessary to go to the agency to complete the request. Furthermore, it has international coverage and the customer can choose between Visa and Mastercard.

Then you enjoy brand-related benefits such as rewards program, insurance, and travel protection. Also, have more time to pay invoices and make your movements by application.

In addition, it is possible to take advantage of the cooperative's rewards program, in which you can exchange points for a prize or invoice credit. All in all, this card is ideal for anyone who needs problem-solving agencies as well as extra travel protection.

The Sicoob Platinum customer will be entitled to make withdrawals using the credit function and pay the amount in up to 12 installments, all deducted from the invoice. In addition, the Sicoob Prêmios program gives you the chance to turn your purchases into points and then exchange them for products, invoice credit, air miles from the main companies, as well as making contributions to Sicoob Previ and guaranteeing income in the future. .

In fact, the customer takes advantage of additional cards with different limits for each card. On the other hand, you can rest assured that you have 40 days to pay for your purchases, depending on the transaction. Just as you can pay your invoice in up to 12 installments without stress.

Finally, take advantage of the travel benefits offered by the brands that we mentioned earlier. In this case, we can highlight the 24-hour concierge that serves both Visa and Mastercard customers. He is a personal assistant who will help you with itineraries or any problem during your national and international trips.

First, depending on the brand chosen, the customer has different benefits, so it is important to analyze each one of them very carefully before making the request. For example, with the Visa brand, you have access to price protection insurance that gives you your money back if you find the same product at a lower price at another establishment.

On the other hand, if you opt for the Mastercard brand, you can take advantage of the Mastercard Global Service. In this case, it provides 24-hour assistance in case of theft or loss of the card. Furthermore, it also helps with emergency replacement as well as emergency withdrawal anywhere in the world.

By the way, you also have access to the Sicredi reward program, for example. Then, you can exchange points for products, such as clothes, appliances or even invoice discounts. Finally, also take advantage of concierge services, as well as four ways to pay invoices and a longer term to pay the first one, 40 days.

The main disadvantage of the card is the lack of information on the website about the minimum income required and the annual fee. In addition, you need to bring documents to the branch, open an account and, after that, apply for a card. Therefore, there is a lot of bureaucracy during the process of applying for this financial product.

We point out that those who are negative, even with a high income, may not be able to get this card. Since it has a rigorous credit analysis, all your financial history will be considered. That is, it is not an affordable option for every type of budget. In addition, we did not find information about minimum income and annuity on the website, that is, they can only be known at the time of the request, which, in turn, must be made in person.

So, was it difficult to decide between the Sicoob Platinum card or the Sicredi Platinum card?

In short, both cards have very similar profiles, certainly. By the way, both have exclusive travel benefits, for example. 

Therefore, when choosing yours, stop and think: which of the cards has the best features and advantages? After that, evaluate the CPF situation and the reasons that lead you to acquire a new financial product.

If you haven't decided yet, don't worry. We have prepared a new card comparison below, so that the choice is beneficial. So, click on the recommended content and continue with us.