3 Formas de Isentar os Cartões Visa Infinite e Mastercard Black do Sicredi

Summary

In this video, Murilo shares three methods to waive the annual fee for the Mastercard Black and Visa Infinity cards from Secret. He reviews the benefits of each card, including unlimited VIP lounge access and a low spread rate. For the Mastercard Black, one can waive the fee with monthly spending of R$10,000 or by investing R$15,000 in Secret's social capital. The Visa Infinity card offers even more benefits, such as unlimited lounge access with unlimited guests and no point expiration. To waive its higher annual fee, options include monthly spending of R$5,000, investing R$50,000 in social capital, or R$1 million in fixed-income investments.

Takeaways

• 💳 Mastercard Black and Visa Infinity cards from Sicredi offer excellent VIP lounge access.
• 😀 The Mastercard Black earns 2 points per dollar, with points expiring in 2 years.
• 💡 For Mastercard Black, you can transfer points to TudoAzul, Smiles, or Latam, but it's better to wait for promotional bonuses.
• 👥 Mastercard Black allows free access to VIP lounges with up to three guests per visit.
• 🔄 Mastercard Black charges a 1% spread for international purchases, making it cost-effective for use abroad.
• 💰 There are three ways to waive the Mastercard Black annual fee: spending at least R$ 10,000 per month, investing R$ 15,000 in Sicredi's capital, or investing R$ 100,000 in LCA, CDB, or savings.
• 🔄 Visa Infinity offers 3 points per dollar spent, with points that never expire, and has more extensive lounge access compared to Mastercard Black.
• 💸 The annual fee for Visa Infinity is R$ 1,200, but you can waive it by spending R$ 25,000 monthly or investing R$ 50,000 in Sicredi's capital.
• 👥 Visa Infinity also provides unlimited guest access to VIP lounges and includes four free additional cards.
• 🏦 Both cards offer 1% international transaction fees, with Visa Infinity being considered one of the top credit cards in Brazil.

Q & A

What are the three ways to waive the annual fee for the Mastercard Black from Secret?

The three ways to waive the annual fee for the Mastercard Black from Secret are: 1) Having monthly expenses of at least R$10,000; 2) Investing a minimum of R$15,000 in the Secret's social capital; 3) Investing a minimum of R$1,000 in fixed-income investments such as LCA, CDB, or savings offered by Secret.

What is the main benefit of the Mastercard Black from Secret?

The main benefit of the Mastercard Black from Secret is the unlimited access to VIP lounges through the group Lounge Key, with the unique feature of being able to bring up to three guests per visit.

What is the annual fee for the Mastercard Black from Secret, according to the speaker's cooperative?

According to the speaker's cooperative, the annual fee for the Mastercard Black from Secret is R$805, which is considered one of the lower annual fees for cards in the Black category.

How does the Mastercard Black from Secret handle foreign transactions?

The Mastercard Black from Secret charges only 1% spread for foreign transactions or international purchases, making it a valuable option for those who frequently use the card abroad.

What are the benefits of the Visa Infinity card from Secret compared to the Mastercard Black?

The Visa Infinity card from Secret offers three points per dollar spent, unlike the Mastercard Black which offers two points. Additionally, the points on the Visa Infinity card never expire, and it provides unlimited access to both Lounge Key and Dragon Pass with unlimited guests, which is an upgrade from the Mastercard Black's offering.

What is the annual fee for the Visa Infinity card from Secret?

The annual fee for the Visa Infinity card from Secret is R$1,200, which is higher than the Mastercard Black's fee, reflecting its superior benefits and features.

How can one waive the annual fee for the Visa Infinity card from Secret?

The annual fee for the Visa Infinity card from Secret can be waived by: 1) Having monthly expenses of at least R$5,000; 2) Investing a minimum of R$50,000 in the Secret's social capital; 3) Investing a minimum of R$1 million in fixed-income investments such as LCA, CDB, or savings offered by Secret.

What is the difference between the loyalty programs of the Mastercard Black and Visa Infinity cards from Secret?

Both the Mastercard Black and Visa Infinity cards from Secret use the same loyalty program called 'Juntos'. Points can be transferred to partners such as Tudo Azul, Smiles, and Latam, with the recommendation to wait for bonus promotions before transferring points.

What is the speaker's opinion on the Visa Infinity card from Secret in terms of ranking among the best cards in Brazil?

The speaker considers the Visa Infinity card from Secret to be easily in the top five best cards in Brazil, due to its high point earning rate and superior VIP lounge access with unlimited guests.

Does the Visa Infinity card from Secret offer any free additional cards?

Yes, the Visa Infinity card from Secret offers four free additional cards, which is a benefit over the Mastercard Black that does not offer any free additional cards.