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

Murillo Investor

24 Jun 202408:43

Summary

TLDRIn 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.

Outlines

00:00

💳 Mastercard Black and Visa Infinity Benefits & Annual Fee Waivers

The video script discusses the benefits and annual fee waiver options for the Mastercard Black and Visa Infinity cards from the Secret financial institution. The Mastercard Black offers 2 points per dollar spent, with points expiring in two years, and can be redeemed with partners such as Tudo Azul, Smiles, and Latam. It provides unlimited access to VIP lounges through the Lounge Key program, with the unique feature of allowing up to three guests per visit. The card has a 1% spread for international transactions and does not offer free additional cards. The annual fee is relatively low at R$805, but it can be waived by meeting certain conditions such as monthly spending of at least R$10,000, investing R$15,000 in the Secret's social capital, or investing R$1,000 in fixed-income investments like LCA, CDB, or savings offered by the Secret.

05:01

💎 Visa Infinity: Premium Benefits and How to Waive the Annual Fee

The second paragraph delves into the Visa Infinity card, highlighting its superior benefits over the Mastercard Black. It offers 3 points per dollar spent with no expiration on points, making it more attractive for long-term rewards accumulation. The card provides unlimited access to VIP lounges with both Lounge Key and Dragon Pass, and unlike the Mastercard Black, it allows an unlimited number of guests. It also has a 1% spread for international transactions. The Visa Infinity card offers four free additional cards and includes all the benefits of the Visa Infinity card category. The annual fee is higher at R$1,200, but it can be waived through three methods: monthly spending of at least R$5,000, investing a minimum of R$50,000 in the Secret's social capital, or investing a minimum of R$1 million in fixed-income investments like LCA, CDB, or savings offered by the Secret. The video concludes by inviting viewers to share their opinions on the cards and the fee waiver methods discussed.

Mindmap

Keywords

💡Mastercard Black

The Mastercard Black is a premium credit card mentioned in the video, which is associated with the Secret financial institution. It offers a range of benefits, including unlimited access to VIP lounges through the Lounge Key program, and a low annual fee compared to other cards in its category. The video discusses ways to waive the annual fee for this card, which is a significant aspect of its appeal to potential cardholders.

💡Annual Fee Waiver

The annual fee waiver is a key topic in the video, where the presenter explains different methods to avoid paying the annual fee for the Mastercard Black and Visa Infinity cards. This is an important consideration for potential cardholders who want to maximize the value of the card's benefits without incurring additional costs.

💡Lounge Key

Lounge Key is a program that provides access to VIP lounges, which is a significant benefit of the Mastercard Black card as highlighted in the video. Cardholders can enjoy unlimited access to these lounges, enhancing their travel experience, and the card even allows bringing up to three guests per visit, making it a valuable perk for frequent travelers.

💡Points

Points are a form of reward currency earned by cardholders for spending on their credit cards. In the context of the video, points are earned on the Mastercard Black and Visa Infinity cards, with the latter offering points that never expire. Points can be redeemed for various rewards, such as flights or other travel-related benefits, making them a key incentive for using these cards.

💡Visa Infinity

The Visa Infinity is another premium credit card from the Secret financial institution, positioned as a superior option with even more benefits than the Mastercard Black. It offers higher point earnings and unlimited access to VIP lounges with unlimited guest privileges, placing it among the top credit cards in Brazil according to the video's presenter.

💡Spread

Spread refers to the additional percentage charged on foreign transactions by credit cards. The video mentions that both the Mastercard Black and Visa Infinity cards have a low spread of 1%, which is beneficial for cardholders making international purchases or traveling abroad.

💡Capital Social

Capital social, or social capital, is a type of investment offered by the Secret financial institution. The video discusses investing a minimum amount in social capital as one of the methods to waive the annual fee for the credit cards. It's a strategic way for cardholders to avoid fees while also supporting the institution.

💡Liquidity

Liquidity in the context of the video refers to the ease with which an investment can be converted into cash. The presenter mentions that the liquidity of social capital investments is low, which is an important consideration for potential investors who might need to access their funds quickly.

💡LCA, CDB, or Savings

LCA, CDB, or savings are types of fixed-income investments offered by the Secret financial institution. The video suggests investing a minimum amount in these as another method to waive the annual fee for the Visa Infinity card. These investments typically offer a fixed return and are considered a way to secure the fee waiver while managing one's finances.

💡Cooperativa

Cooperativa, or cooperative, refers to the type of financial institution that offers the Mastercard Black and Visa Infinity cards. The video emphasizes that the annual fee and methods for fee waiver can vary depending on the specific cooperative, so cardholders are advised to check with their cooperative for details.

Highlights

The video will show three ways to waive the annual fee for the Mastercard Black and Visa Infinity cards from Secred.

The Mastercard Black from Secred offers 2 points per dollar spent, with points expiring in two years.

Points from the Mastercard Black can be redeemed with partners such as Azul, Smiles, and Latam.

The Mastercard Black provides unlimited access to VIP lounges through the Lounge Key network, with the ability to bring up to three guests per visit.

The annual fee for the Mastercard Black is R$805, which is one of the lower annual fees for Black category cards.

The first method to waive the Mastercard Black annual fee is by having monthly expenses of at least R$10,000.

The second method for fee waiver is investing a minimum of R$15,000 in Secred's social capital.

The third method involves investing a minimum of R$1,000 in LCA, CDB, or savings offered by Secred.

The Visa Infinity card offers 3 points per dollar spent, with points that never expire.

The Visa Infinity card provides unlimited access to Lounge Key and Dragon Pass with unlimited guests.

The Visa Infinity card has a lower spread of only 1% for international transactions.

The Visa Infinity card offers four free additional cards and all the benefits of the Visa Infinity category.

The annual fee for the Visa Infinity is R$1,200, which is higher than the Mastercard Black due to its superior benefits.

The first method to waive the Visa Infinity annual fee is by having monthly expenses of at least R$5,000.

The second method for fee waiver on the Visa Infinity card is investing a minimum of R$50,000 in Secred's social capital.

The third method involves investing a minimum of R$1 million in LCA, CDB, or savings offered by Secred.

The video encourages viewers to check with their specific Secred agency for variations in annual fee waiver conditions.

The presenter invites viewers to share their opinions on which card they would choose and how they would use the fee waiver methods discussed.