Tuesday , September 27 2022

The Cetelem credit card does not have an annual fee or consult with SPC / Serasa


Banco Cetelem is one of the world leaders in the provision of consumer loans. The bank is a BNP Paribas group company, and is present in more than 18 countries, and it can also be considered as one of the leaders in the world financial market. Here in Brazil, it has been present since 1998. Banco Cetelem offers a credit card without annual fee and without consulting SPC / Serasa. See more details about the Cetelem credit card, which unfortunately is not available to all audiences, since it is necessary to retire or be retired of the INSS, since it is registered.

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The Cetelem credit card does not have an annual fee or consult with SPC / Serasa

Credit card Cetelem

The Cetelem credit card is a deductible credit card. Therefore, the invoices are deducted directly from the payroll of your clients. Therefore, it is able to give more benefits to its clients, with lower interest rates, lower rates and life annuity exemption, for example.

Who is entitled to Cetelem credit card?

Unfortunately, only INSS pensioners and pensioners can get this credit card. For this, it is necessary to register directly to the website of the institution. The card still has an application for Android and iOS.

Reduced rates

Obviously, this type of credit card offers a very low risk to the financial institution that grants the credit. This is because the invoice is discounted directly for the benefit of the client. Therefore, interest rates are extremely low. Therefore, if we compare the Cetelem credit card with a traditional credit card, we can see that the interest rate is extremely affordable.


In addition to all the advantages we have already mentioned, Cetelem's credit card still has the following benefits:

  • There is no annuity fee;
  • You can withdraw money from the Banc24Horas network boxes;
  • Withdrawal by direct deposit to your checking account;
  • Control of invoices for Internet banking;
  • Up to 20% discount on numerous stores;
  • It is accepted in thousands of establishments.

Final considerations

Finally, the credit card and Cetelem really is worth it if you are retired or pensioner of the INSS. This is because the client has a modern credit card, with no annual fee or very low rates. However, it is very important that you keep in mind your expenses, especially because there is no SPC / Serasa consultation. That is, if by chance your name is restricted, you must organize it so you do not increase your debt even further and lose control of your finances.

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I am a technology enthusiast who also appreciates innovation, entrepreneurship, the Fintech and its facilities.
Graduate in Business Administration from the Federal University of Rio Grande do Sul and founder of Optclean Tecnología, Conexão Estudiante and His Digital Credit.

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