With each passing day, digital banks become a reality closer to all Brazilians. It is no coincidence that large financial institutions are renewing themselves and creating their own virtual companies, as is the case with the investment bank BTG Pactual, which created BTG+. In addition to being innovative, this new digital bank has one of the best cashback cards on the market, the BTG+ credit card. Get to know the product right now.

In September 2020, BTG Pactual Digital, an investment bank considered the sixth largest financial institution in Brazil, created BTG+, its digital bank aimed at individuals. It, in turn, will first offer a transactional current account, in which clients will be able to carry out a salary account portability, transfer money and have a Mastercard credit card, the focus of this text.

In the BTG+ application (available for Android and iOS), you will find all the solutions you need to anticipate your needs. This is because the system has several functionalities that help a lot in the daily lives of its customers, such as an expense categorizer, resources for financial management and monitoring of objectives.

In addition, the digital bank will have the BTG+ credit card, which we will talk about next, and the loyalty program called Loyalty. It is an open platform, where the customer can choose the loyalty program they prefer, either airline miles or cashback, and the points go directly to their choice.

Also, in addition to Loyalty, BTG+ will also have the Invest+ feature, which is a system that reverts part of credit card expenses into a cashback program. In this case, the money returned will remain in an investment fund managed by BTG Pactual. Quite an interesting idea, don't you think?

Only available to BTG Pactual Digital customers, that is, the BTG+ credit card can be requested by all interested parties who open a bank account. Furthermore, it offers a cashback rewards program and even access to VIP lounges.

So let's get down to business, which is exactly talking more about the BTG+ credit card. With three variants, all in the Mastercard brand, in the Black, Advanced Option (Platinum) and Basic Option (Gold) versions, this card has both credit and debit functions and is equipped to carry out contactless transactions. Depending on the product you choose, there will be an annual fee, so be prepared for the possibility of paying this fee.

Also, a very interesting function of the BTG+ credit card is the Virtual First function, which allows you to start using the virtual credit card even before receiving the physical card at your home. This, in turn, is excellent because, in addition to being able to make purchases even before having the card in hand, it offers much more security in your transactions.

As we mentioned earlier, the BTG+ credit card has three variants, all under the Mastercard brand, which are the Black, Advanced Option (Platinum) and Basic Option (Gold) versions. Understand the difference between them right now.

Among the three variants of the BTG+ credit card, the most sophisticated of the bank is the Mastercard Black. Available to customers with incomes from R$ 15 thousand or who have at least R$ 150 thousand in investments in BTG Pactual, the product offers all the benefits of the Black variant, such as insurance, travel assistance and access to Mastercard lounges at Guarulhos Airport, in addition to two free annual accesses to VIP lounges associated with the LoungeKey program.

There is no doubt that this BTG+ credit card is excellent, especially when compared to the others intended for the high-income public. The only drawback is its high annual fee, which amounts to R$ 1,080, charged in 12 installments. To obtain the exemption, users must spend from R$ 12 thousand per invoice or have from R$ 100 thousand in investments in the bank.

While the BTG+ Mastercard Black credit card is aimed at the high-income public, its Platinum version, also known as the Advanced Option, is the intermediate between the three variants. To obtain it, it is necessary to prove a minimum income of R$ 7 thousand or investments from R$ 30 thousand in the bank.

With a much cheaper annuity, the fee is R$540, also charged in 12 installments, if you choose Invest+. Furthermore, the user who spends at least R$5 thousand on the invoice or has R$ 50 thousand in investments in the bank is exempt from the annuity.

Do the two previous cards not work for you, either because of the annuity charge or proof of income that you don't have? Rest assured that the BTG+ Mastercard Gold credit card, also known as the Basic Option, was designed with you in mind.

That's because the simplest version of the BTG+ card is free of annual fees forever. In addition, to request it, there is no requirement for a minimum income or bank applications, just open a digital account on the platform. However, like other cards, approval depends on the bank's internal analysis, which will follow its own criteria, such as your credit score.

Furthermore, if you want to opt for Invest+, you will have to pay an annuity of R$ 360.00 in 12 installments. With the possibility of exemption, if you spend more than R$ 3,500 or invest R$ 30,000 in the bank.

By now, you already understood what the BTG+ digital bank is all about and what your credit cards are. It remains, then, to know the other advantages that this product offers you. So, click on the recommended content and check it out!