So, the Zencard or Santander SX card are two credit card options with international coverage and many benefits, such as a rewards program, discounts with partners and an application for controlling expenses that provides more security and autonomy.

So, stay tuned in this article, as we will show you the advantages and disadvantages of these cards, so that you can compare them and make the best decision. Check out!

Firstly, the Zencard is a prepaid financial product, so it basically works like a conventional credit card, however, payment is made as if it were a debit card, that is, the amounts are immediately deducted from the digital account.

So, you should top up your card constantly, as you can only use it if you have a balance available on it. Therefore, it is a great alternative for controlling your spending, as you cannot pay for purchases in installments. Furthermore, this card can also be purchased by people with bad credit.

So, the Santander SX card is one of the financial products created by Banco Santander. It can be issued under the Mastercard or Visa banner and, therefore, you can have access to programs such as Mastercard Surpreenda or Vai de Visa.

Furthermore, to apply for Santander SX, simply go to a Santander branch or apply through the bank's homepage. You must also have a minimum income of R$1,045.00 if you are not a current account holder or R$500.00 if you are a current account holder.

And, if you spend at least R$100 on your monthly bill or join the Pix system at Santander, you can waive the annual fee. Otherwise, the annual fee is charged at R$399.00 or 12x R$33.25. In addition, you can request up to 5 additional cards and have access to very attractive conditions for customers.

Firstly, the Zencard is international, so you can use it in national and international stores, as well as make purchases in physical or online stores.

Furthermore, the card has a digital account and through it you can check all your card transactions, it is important to mention that it does not have an invoice as it is a prepaid card.

We cannot fail to mention that you can join the Discount Club. In this case, you can earn vouchers to buy at lower prices from partners.

Furthermore, the card has a Mastercard logo, so you can have access to benefits, such as the Mastercard Surpreenda Program, where you can accumulate points and exchange them for products or services, in addition to being accepted in millions of establishments.

Among the advantages of the Santander SX card are its international coverage and two card options. So, you can choose the card of your choice, which can be Visa to take advantage of the Vai de Visa program that offers discounts at partner establishments. Or, you can choose the Mastercard card with the Mastercard Surpreenda program that offers points that you can exchange for products and services.

In addition, you can request up to 5 additional cards, pay your bill in up to 24 installments, and enjoy up to R$50% in discounts from Esfera partners. You can also eliminate the annual fee by spending at least R$$100.00 on your monthly bill or register your Pix key in your Santander account.

Among the disadvantages of the Zencard card are the charging of fees for card acquisition, top-ups and transfers, as well as the generation of payment slips, second copies of the card and a monthly fee of R$7.90. Check out the full list below.

So, before opting for this card, pay attention to all the fees charged.

So, the biggest disadvantage of the Santander SX card is the annual fee and the mandatory minimum income of R$1,045.00 for non-account holders and R$500.00 for account holders. Therefore, if you are not in a position to open an account with Santander, it may not be a good alternative.

So, the Zencard or Santander SX card are two options with several advantages, such as international coverage and benefits associated with the brands. So, see which of these cards best meets your expectations.

However, if you are still unsure about which credit card is best for you, don't panic, because below we have another comparison between cards. So, click on the recommended content below and check it out!