Santander SX credit card - The Most Curious in the World
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Santander SX credit card

SX Credit Card

Like Visa and Mastercard, the Santander SX Card offers the bearer several advantages, which will be thoroughly explored in this essay. Before that, however, let's look at some other benefits of this card:

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Discounts at restaurants, educational institutions and retail establishments are available through Shopping Esfera. In addition, it is possible to make the payment using the Way application to verify the card information. Another option is sustainable installments in up to 24 installments on the card. Shopping Esfera also offers discounts and cashback on selected brands and items.

What is Santander SX?

Banco Santander SX was developed as a simple and practical alternative for customers who join Banco Santander. It was created with the understanding that users are immersed in a world in constant technological evolution. By using this service, you free yourself from administrative hassles and take full control over your finances, thanks to the 100% digital platform offered by the company.

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Furthermore, it is important to note that Banco Santander SX is available under Visa or Mastercard, which provides a variety of benefits for each of them, depending on what they offer. As an example, the Mastercard Surpreenda loyalty program offers points for purchases made with the card.

Additionally, this new financial offer from Santander allows you to increase your credit limit as needed, in addition to providing access to thousands of e-commerce sites in Brazil and around the world.

Visa or Mastercard, which one to choose?

Visa Platinum benefits

  • Price Protection
  • Access to special offers at stores, educational institutions and restaurants
  • Purchase Protection
  • Original Extended Warranty
  • Travel insurance
  • Concierge

Mastercard benefits 

  • Accumulation of points
  • Extended Warranty Insurance
  • Purchase Protection
  • price protection

Does the Santander SX Card have an annuity and minimum income?

Annuity

  • The SX card has an annual cost payable in 12x of R$ 33.25, although you have the option to waive this fee.
  • Just make at least R$ 100 in purchases with each invoice or register your CPF and cell phone as PIX keys at Banco Santander to get rid of the annuities.

minimum income

  • You will not need to provide proof of income if you have a Santander checking account.
  • If you do not have a checking account, you must demonstrate that you earn at least R1,045.00 per month.

Benefits of Santander SX

The benefits of Santander SX are many, but the main highlights are:

  • SX offers the following payment terms: up to 40 days; discounts of up to 50% for Esfera partners; and up to 24 installments on the invoice.
  • The Claro Flex package now includes 50% of extra data;
  • A unique service delivered through the app;
  • Access to Vai de Visa club premium features;
  • Withdrawal of funds on credit with payment made only upon receipt of the invoice.

It could be argued that Santander SX's tax exemption is its biggest advantage. However, it is important to remember that, to obtain it, you need to register your mobile phone or CPF as a Pix key in the application, or spend at least R$ 100.00 on purchases.

Disadvantages of Santander SX

Even if its hiring is already a wise decision due to its benefits, it is crucial to remember that there are also some disadvantages, such as:

  • Proof of minimum annual income of R$ 1,045.00;
  • R$ 7.90 must be paid to request a duplicate card;
  • People looking to use it frequently are not the right audience for it;
  • Around 14,49% of revolving credit is billed monthly.
  • Benefits

 original extended warranty

 Online access via the Way app Special discounts

 cashback program

 sustainable card

 Payment in up to 24 installments

  • Disadvantages

 Proof of minimum monthly income of R$ 1,045.00, if you do not have a checking account.

 Annual fee (with exception)

How does the Santander card cashback work?

Nowadays, one of the main attractions for those looking for a card is cashback. This refund option gives you cash or a discount in exchange for a portion of your purchases. You can use the Esfera website to redeem your cashback in the case of Santander SX.

Santander Way App

As technology advances, we know that the more information we can easily obtain, the better. Santander SX's Way app is a useful tool that can help customers quickly confirm all their credit card information. Created for easy online browsing, the app is available for both Android and iOS and has received many positive reviews on the App Store and Google Play, making it easier for consumers to access and look up their credit card information.

Currently, a wide variety of credit cards are released, each with its own mileage or points system. However, unlike other credit cards, Santander SX does not offer miles that can be redeemed for things like airline tickets and discounts on other businesses. Rather, their advantages are directly related to their flags.

For those who prefer the old model of bank branches over online banking, the Santander SX card may be an option to consider. It's a convenient and simple choice for anyone looking for a one-stop solution. Working with a reputable company like Santander, which has physical units throughout Brazil, can be the right decision.

However, it is important to remember that there are several fintechs, such as Inter, Nubank, C6 and Next, that do not charge annuities and offer more attractive credit limits. Therefore, it is necessary to consider which of these options best suits your financial situation. Regardless of what you choose, there is always a deal that can meet your budget needs and expectations.