Itaú Bank has several partnerships with retail stores, and among these partnerships is the Ponto Frio Itaucard 2.0 card; a credit card that stands out from the others, with excellent installment options and very low annual fees! It is recommended for people who want to make purchases of higher value, due to its excellent installment plans and credit options!
In addition to the features that every credit card offers, it includes several internal cashback programs and discounts of up to 50% on cultural events and related activities; learn more about the Ponto Frio Itaucard 2.0 Card and order yours now!
What is it?
The Ponto Frio Itaucard 2.0 card is a Mastercard-branded card with international coverage, resulting from a partnership between Itaú bank and the Ponto Frio retail store; it offers various benefits and a points program that allows you to exchange them for numerous prizes
Although it has an annual fee of R$ 11.90/month, it offers several benefits that offset the costs, such as: half-price tickets to shows, theaters, and cinemas; in the following sections, we will highlight some of the main ones;
How do I apply?
Interested in the Ponto Frio Itaucard 2.0 credit card? Applying is easy! Just go to the official Itaú website (click here to access the site) and fill out the first section with your name, email, CPF (Brazilian tax ID), and mobile phone number.
Once that's done, you'll move on to the second stage, which involves confirming your information, reading the contract, and undergoing a credit analysis
Because the Itaú Card is a more sophisticated card, it is not available to everyone; applicants must meet certain requirements, which we will highlight below
Can anyone apply?
The Ponto Frio 2.0 credit card cannot be requested by just anyone, and those with negative credit history are not eligible for this credit card; it is necessary to have a clean credit record and a medium/high credit score
Furthermore, it has an income requirement; the simplest card plan requires a minimum of R$ 900/month to be accepted; and in addition, it is necessary to pass a credit analysis in order to guarantee the lowest possible default rate on the part of the client
How to improve your credit score?
One of the crucial points during the PontoFrio credit card approval process is the customer's credit score, which is sometimes medium/low, making it difficult for new users to obtain credit; therefore, the best way is to increase the score through bank transactions under the account holder's CPF (Brazilian tax identification number)
Furthermore, paying off debts on time and engaging in legal transactions frequently within a three-month period will help to gradually increase your credit score; according to research, an ideal score ranges from 750-1000
- Got a bad credit history? Get a BMG credit card for people with bad credit now.
- Best credit cards for those with bad credit: find out more here
Benefits
Itaú is a benchmark in promoting culture in Brazil, and this is proven once again with the numerous benefits of Itaú credit cards; which, through the Mastercard Surpreenda credit program, guarantees 50% off shows and cultural events;
Not to mention the up to 40-day period to pay invoices; which can be determined according to the best payment day and invoice closing date; earning excellent discounts on Pontofrio card payments, and receiving cashback;
According to the contract, annual fees begin to be charged from the moment the credit card is activated, with 12 monthly payments of R$ 10.60 or a fixed annual payment of R$ 127.20
