The XP credit card is a no-annual-fee card that returns "points" in the form of cashback to an exclusive fund and offers a higher return than savings accounts. With this offer, XP is starting to offer a credit card to its customers, but the question remains: is the XP credit card worth it?
To learn more about the new XP credit card and its benefits, keep reading this article!
About the XP credit card
Apparently, the card offered falls into the Platinum category, which offers several services from the Visa wallet, in addition to Premium services, such as complimentary VIP lounge passes.
However, this may only be a problem for you if you travel frequently and enjoy the comfort of airport lounges.
The XP credit card, on the other hand, is new to the market and returns 1% of the amount spent in your account in cash to your XP account, to an exclusive fund, with daily liquidity and easy reimbursement.
Who is the XP credit card for?
The new XP Visa Infinite Credit Card is offered to the entire active customer base, that is, customers who have an investment in XP.
To qualify for the card, you must have a minimum investment of R$50,000 in XP.
If you haven't received an email offering the card yet or haven't checked the "Cards" tab in the app, you can apply through this link, but don't be fooled: this link will put you on a waiting list that is evaluated internally by the XP team.
What are the advantages of the XP credit card?
First of all, it's important to divide the XP card benefits into two parts: one refers to the benefits XP offers to customers that are exclusive to the company, and the other are the benefits offered by the company that can be found on Visa cards from other financial institutions.
Discover the benefits and advantages of the XP credit card:
Investback
For every purchase made with an XP credit card, 1% of that amount is returned to your XP account as an investment in an exclusive, fee-free management fund that is predominantly linked to government bonds.
This fund's yield is higher than that of savings accounts, and liquidity is daily, meaning you can withdraw money from the fund on the same day.
Investback Turbo
The XP app gives you access to its marketplace, which includes department stores, home goods, fashion, and more. If you make a purchase in this marketplace using a link from one of our partner stores, you can earn up to 5% back.
No income
If you're tired of paying an annual fee to use your credit card, the XP card offers a free annual fee!
Your XP credit card limit
The XP credit card limit is dynamic, the more money invested, the higher the credit card limit.
Security
There are no numbers on the physical card, just your name. You can also change your password and lock and unlock your digital and physical card directly from the app.
The card is equipped with NFC technology, which enables proximity-based payments to help you make safer purchases.
Other cards
The cardholder can request up to six additional cards that will share all the benefits, as well as the cardholder's card limit. Additional cards also generate cashback on the main account.
XP credit card benefits:
Trips
With the Visa Infinite card, you'll have access to international emergency travel insurance, car rental insurance, free airport parking, and more!
Daily
The Flagship card offers purchase and price protection, extended product warranties, and more.
Concierge service
First of all, if you've ever used the Concierge service, you know how useful it is! Through this service, you can get tips on gifts, restaurants, travel itineraries, and other necessary information. This assistant will also assist you with unexpected events, date changes, or cancellations.
How to apply for an XP credit card?
XP is launching a new card for its customers. If you received an email invitation and would like to request a card, please follow the steps below:
- Open the XP application and click on the “Card” tab in the bottom right corner.
- Tap the “Request my card” button to activate the card.
- Accept the terms and conditions of your card purchase.
- Confirm your address.
- Select the name that will be printed on the card.
- Set the invoice due date.
- Create a password for the card.
- Review and verify the information and confirm the order.
- Finally, proceed with facial verification and confirm the order.
- Once the order is confirmed, the card will be ready to use.
Meanwhile, while you wait for your physical card to arrive, you can use your virtual card to make online purchases, subscribe to apps like Uber or Spotify, and other options that a virtual card allows.
The XP credit card will provide you with the ease of making your purchases and paying in installments, as well as the comfort of organizing your finances with installments that actually fit your budget, so you don't miss out on what you need and can organize your financial life.
Safe, easy, and very simple to apply for. Don't waste any more time and get your XP credit card today, guaranteeing another benefit that only this incredible financial institution can provide.
