Unicred Platinum Card or Sicoob Platinum Card: which is better?

Check out our content on Unicred Platinum card and Sicoob Platinum card where we present all the main features of the products. In addition, you check advantages and disadvantages to weigh pros and cons and choose the best one for you.


Unicred Platinum x Sicoob Platinum: find out which one to choose

Confira o cartão Unicred Platinum ou cartão Sicoob Platinum. Fonte: Pixabay.
Check out the Unicred Platinum card or Sicoob Platinum card. Source: Pixabay.

If you are in doubt between the Unicred Platinum card or the Sicoob Platinum card, be sure to check out our comparative content between them, below. By the way, both are cooperative cards, a type of card that has become increasingly popular in Brazil. But after all, do you know what a credit union is?

In this sense, a credit cooperative is nothing more than an association of people who together form a financial institution responsible for managing its capital. In fact, cooperatives offer personalized financial services, exclusive to their members.

Thus, the members of a cooperative are owners and users at the same time, sharing their profits and apportioning their dividends, all in the same proportion of the services used. In this way, members have access to various financial services, including credit cards, without having to rely on large banks.

Can't choose between the Unicred Platinum card or the Sicoob Platinum card? Both cards are issued in the largest flags in the world, Visa and Mastercard. In addition, it has international coverage and unmissable advantages! Check out more features below!

 Unicred Platinum CardSicoob Platinum Card
Minimum Incomenot informednot informed
Annuitynot informednot informed
FlagMastercard or VisaVisa or Mastercard
BenefitsPontue Mais Rewards Program;
Consultations and withdrawals at Banco24Horas;
Two credit limits;
Corkage exemption;
Consultations and withdrawals at Banco24Horas;
Travel insurance;
Car Insurance.  
After all, what are the features?

Unicred Platinum Card

First, Unicred emerged in 1994 and is among the 3 main credit unions in the country with more than 200,000 members. Among the various financial services that the Unicred cooperative offers are its credit cards.

Thus, with the Mastercard or Visa brands and international coverage, the Unicred Platinum credit card ranks second among the cooperative's best cards. As it is a Platinum card, it offers exclusive benefits such as concierge, travel insurance, car insurance, among others.

In addition, Unicred also offers an exclusive cooperative points program. Therefore, even though the card is only available to Unicred members, it may be worth it if you take into account all its benefits.

However, the Unicred Platinum card charges an annuity, but the amount is not reported on the official website. Furthermore, to request your card, you need to go to the nearest Unicred cooperative and become a member.

Sicoob Platinum Card

First of all, Sicoob is the largest credit union in Brazil! In this sense, it is second only to Banco do Brasil when it comes to the number of branches throughout the country. With more than 5 million members, it is present in all states, offering personalized financial services, such as credit cards.

Even though Co-op cards are only available to Co-op members, you might want to consider becoming a member after seeing all that Co-op has to offer. So, keep following to understand more about Sicoob's Platinum cards.

Well, offered under the Visa or Mastercard flags, both international, you can participate in the Vai de Visa or Mastercard Surpreenda benefit programs. In addition, the cards offer benefits such as concierge, corkage exemption, withdrawal at Banco24Horas terminals, in addition to other advantages.

However, the card charges an annuity, however, unfortunately, the amount is not indicated on the official website. So, how about following the advantages of the products to decide between the Unicred Platinum or Sicoob Platinum card? Check it out below!

What are the advantages of the Unicred Platinum card?

Então, quais as vantagens? Fonte: Pixabay.
So what are the benefits? Source: Pixabay.

So, the Unicred Platinum card is a card full of benefits and we are going to talk a little about them now. That way, you can have a clear idea of everything it can offer before making your choice.

If you are a person who travels frequently, this card offers some benefits that may be interesting, such as, for example, concierge, which is nothing more than a personal assistant. In addition, it offers Travel Insurance, guaranteeing health insurance on international trips and Car Insurance for rented cars, in addition to Luggage Protection in case of luggage loss.

Furthermore, Unicred Platinum card customers also participate in the Pontue Mais rewards program. In this sense, every dollar spent with your Platinum card is equivalent to 1.5 points accumulated. By the way, as it is a card with the Visa or Mastercard flags, you can also participate in the Vai de Visa or Mastercard Surpreenda programs and have access to exclusive discounts and offers.

Platinum customers also benefit from 2 different limits on their credit card. Thus, one of them is only for cash purchases, while the other is aimed at credit purchases that are paid in installments. It's a lot of advantages, isn't it?

What are the advantages of the Sicoob Platinum card?

So, Sicoob Platinum cards offer several benefits, especially if you travel frequently. Thus, the cards provide an assistant available 24 hours a day, the concierge. In addition, you have Travel Insurance, health insurance for when you are out of the country, Car Insurance for rented cars and Luggage Protection.

By the way, if you are a Visa or Mastercard brand, you can register your card to participate in the Vai de Visa or Mastercard Surpreenda programs. In this way, you accumulate points and can exchange them for vouchers, offers or services at partner establishments.

Furthermore, with Sicoob Platinum you also have the Cork Exemption. In other words, you can take your favorite bottle of wine to partner restaurants and you will be exempt from the fee. So you can enjoy your meal the way you like it!

In addition, with Sicoob's Platinum card you can also withdraw money on credit when you need it. Remembering that this service is available at Banco24Horas terminals and you can still pay the withdrawals in up to 12 installments.

So, with so many advantages, it's even difficult to choose between the Unicred Platinum card or the Sicoob Platinum card, isn't it? However, it is also important to check out the disadvantages that both offer so that you really understand how the products work. See below.

What are the disadvantages of the Unicred Platinum card?

Afinal, quais as desvantagens? Fonte: Pexels.
After all, what are the disadvantages? Source: Pexels.

Well, like every credit card, Unicred Platinum also has its downsides. Thus, it is important to understand what they are before applying for your card. Then continue reading to find out more.

Although it is a card with numerous advantages, Unicred Platinum is not a card for everyone. In this sense, the product is only available to members of the Unicred cooperative. That is, you need to become a member of the credit union to apply for the card.

Furthermore, it is important to remember that the Unicred Platinum card charges an annuity fee. With so many card options on the market today, you can find other cards in the same category with less bureaucracy to apply for and that do not charge fees.

What are the disadvantages of the Sicoob Platinum card?

Although Sicoob Platinum offers advantages that make the card very attractive, it also has its downside. First of all, the Sicoob Platinum card charges the annual fee on both the Visa and Mastercard cards.

While you can split this fee into 12 smaller installments and pay monthly, be aware that there are other options available to you that are exempt from this fee. By the way, also remember that as it is a credit union, you need to join Sicoob to have access to credit cards.

That is, a bureaucracy and cost that can be avoided, since you can choose from other Platinum card options in several other financial institutions. So, do a lot of research before making your choice.

Unicred Platinum Card or Sicoob Platinum Card: which one to choose?

If you followed our comparative content between the Unicred Platinum card and the Sicoob Platinum card, you know that both cards are of a more noble type that offers exclusive benefits. By the way, Platinum cards are products aimed at an audience that travels more frequently.

Thus, the advantages of Sicoob Platinum and Unicred Platinum are very similar. So your choice will depend on which credit union you prefer to join. However, in case you don't want to be part of a cooperative, check out, below, another comparison content between cards with unmissable credit card options for you. Check out!

Nubank Ultraviolet card or Pan card

Decide between the Nubank Ultravioleta card or the Pan Mastercard Gold card and enjoy advantages such as cashback and a high limit!

About the author  /  Aline Barbosa

Writer and producer of content for various subjects, she is passionate about writing and the new. Always in search of knowledge, it aims to transmit what it has learned in a light and uncomplicated way.

Reviewed by  /  Junior Aguiar

Senior Editor

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