Find out all about the Neon Card, a digital alternative with no annual fee, ideal for those looking for practicality and financial control.
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The world of financial services has changed dramatically with the rise of fintechs, technology companies focused on innovative and accessible solutions.
Among the highlights of the Brazilian market is the Neon CardBanco Neon's offer is simple and transparent for the user.
With it, you can access the benefits of a credit and debit card with zero annual fees, as well as an intuitive application for complete control of your finances.
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The Neon Card has been gaining ground especially among those looking to get away from conventional bank charges and obtain a more flexible and digital experience.
Neon bank offers a free digital account that comes with an international credit card, perfect for those who value practicality and want to avoid the bureaucracy of traditional banks.
In this article, we'll explore all the essential information about the Neon Cardincluding its advantages, disadvantages, how it works and how to apply for it.
Quick Index:
What is the Neon Card?
O Neon Card is a digital card offered by Banco Neon, a Brazilian fintech company seeking to revolutionise the banking market with no-fee, affordable and digital 100% products.
This card is linked to a Neon digital account, which works in an integrated way to offer customers more convenience and autonomy in their transactions.
With Visa, the Neon Card is accepted internationally, allowing purchases online and in physical shops, as well as withdrawals from ATMs in the Banco24Horas network.
Unlike traditional credit cards, the Neon Card eliminates annual fees and offers a bureaucracy-free experience, making it an excellent alternative for those looking for an account with practicality and reduced costs.
It's ideal for young people, freelancers and anyone who wants to control their spending digitally. In addition, the card comes with a series of financial management tools via the Neon app, which helps users keep track of their financial life more easily.
How does the Neon Card work?
The Neon Card works simply and is integrated with the Neon digital account.
When opening an account, the customer automatically receives a physical card with a debit function, which can be used for withdrawals, purchases and other transactions.
To apply for the credit function, you need to undergo a credit analysis by the Neon bank itself, but the process is done directly through the app in an agile and transparent way.
The Neon app is the control centre for all financial transactions, from invoice and credit limit monitoring to transaction history and account balance.
With it, customers can also make transfers, payments and even investments, all from their mobile phones.
Another interesting point is that the app allows you to set up notifications for each transaction, which makes it easier to keep track of your finances in real time.
General features
| Features | Description |
|---|---|
| Card Name | Neon Card |
| Flag | Visa International |
| Issuing Bank | Neon Bank |
| Annuity | Exempt |
| Cover | National and international |
| Type | Credit and debit cards |
| Points Programme | None |
| Cashback programme | None, except for occasional promotions |
| Payment instalments | Credit instalments |
| Name of the Management App | Neon |
Advantages
Exemption from annual membership fees: The Neon Card is completely free of annual fees and maintenance charges, saving you money.
Full Digital Account: The Neon account allows you to make free transfers to other banks, as well as offering other functionalities that make your financial routine easier.
International coverage: With a Visa flag, the card can be used both in Brazil and abroad and is accepted in millions of establishments and on international shopping sites.
Full control via the app: The Neon app allows you to control all your financial transactions, including monitoring invoices, credit limit, transaction history and account balance, as well as the possibility of topping up your mobile phone and paying bills.
Simplicity in Applying for and Accessing Credit: The Neon account and card are applied for online, with no need for bureaucracy. If the customer wishes to use the credit function, the analysis process is quick and done by the application itself.
Withdrawals from the Banco24Horas network: With the Neon Card, users can make withdrawals from ATMs in the Banco24Horas network throughout Brazil. Some account plans offer a number of free withdrawals per month.
Occasional promotions with Visa: The Neon Card offers benefits from Visa promotions, such as discounts on services and access to the Vai de Visa programme, which offers exclusive offers at partners.
Disadvantages
Lack of Points Programme and Fixed Cashback: The Neon Card does not offer a permanent points or cashback programme, which can be a disadvantage for those who value rewards on their purchases.
Free Withdrawal Limit: The basic Neon account plan only allows one free withdrawal per month. After that, fees are charged for each withdrawal made.
Credit Function Subject to Approval: The credit function is not released automatically, and the customer must undergo a credit analysis. This can be a limitation for those looking for faster approval or who have a restrictive credit history.
Application dependency for transactions: All operations are carried out exclusively via the app, which can be difficult for those who prefer face-to-face service or are unfamiliar with technology.
How to apply for a Neon Card
The application process Neon Card is completely digital and can be done in a few minutes via the app. See step by step to request yours:
- Download the Neon appThe app is available to download from both Google Play (for Android) and the App Store (for iOS).
- Create your digital accountOpen the application and follow the instructions to open a Neon digital account. You will need to fill in some personal details, such as your name, CPF, address and contact details.
- Send your documentsTo complete registration, send a photo of your identity document and proof of address, following the instructions on the app.
- Wait for analysis and approvalThe Neon team will analyse the data sent and, once approved, the account will be activated. The customer will receive the physical card with debit function at their address.
- Request the credit function if you wishAfter receiving the card, the customer can request the credit function via the app, which will be analysed by Banco Neon.
Once approved, the card will already be available for use, and the customer will be able to start making transactions in both debit and credit functions, if authorised.
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Exclusive Benefits
The Neon Card brings exclusive advantages to its customers, offering a differentiated experience compared to other cards and digital accounts. These benefits include:
Neon+The Neon+ programme offers additional advantages for those who actively use their Neon account. By making 10 credit or debit purchases a month, the customer is automatically included in Neon+, receiving exemption from fees on transfers to other banks and an increase in the number of free monthly withdrawals on the Banco24Horas network.
Virtual Card for Online ShoppingIn addition to the physical card, the Neon Card offers a virtual card, ideal for safer online purchases. The virtual card allows the customer to use a different number to the physical card, reducing the risk of internet transactions.
Visa Partnerships and DiscountsSince the Neon Card has a Visa flag, it allows access to exclusive offers from the network. Through the Vai de Visa programme, customers can enjoy discounts at partners such as retail shops, pharmacies, transport apps, among others, providing savings in various consumer categories.
Automatic mobile phone top-upThe Neon application allows you to set up automatic mobile phone top-ups, making the process easier and ensuring that the customer has a balance on their mobile phone without having to worry about doing manual top-ups.
Spending Control NotificationsNeon allows you to set up notifications for each transaction, helping you to control your finances. This feature is especially useful for those who want to keep a close eye on their card usage and have greater security in controlling their finances.
Final considerations
O Neon Card is an excellent option for those looking for a practical and economical alternative to managing finances without the complexity of traditional banks.
With no annual fee and low rates, it's a good option for those who want to avoid extra costs and have a basic financial routine.
Its app offers complete financial control, from tracking expenses to making payments and transfers, all in an intuitive digital environment.
For those looking for additional benefits, such as points programmes, fixed cashback or unrestricted access to withdrawals, the Neon Card may not meet all expectations.
However, its simplicity and cost-effectiveness make it very advantageous for students, self-employed professionals and people who want a digital financial solution.
With a quick and easy application process, it's a practical choice for those who value financial autonomy and technology.
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Continue reading →Frequently Asked Questions
Does the Neon Card have an annual fee?
No, the Neon Card is completely annuity-free and charges no maintenance fees. However, some specific transactions, such as withdrawals after the free monthly limit, may incur fees.
Does the Neon Card allow international purchases?
Yes, the Neon Card has international coverage and can be used in establishments and websites that accept the Visa flag, in Brazil and abroad.
How do I access the credit function of the Neon Card?
To use the credit function, you need to make a request via the Neon app. The bank will carry out a credit analysis and, if approved, the customer will be able to use the credit function on the card.
How many free withdrawals does the Neon Card offer?
The basic Neon account plan offers one free withdrawal per month from the Banco24Horas network. After that, fees are charged for each additional withdrawal. Neon+ customers have two free withdrawals per month.
Does the Neon Card have a points or cashback programme?
The Neon Card does not currently have a fixed points or cashback programme. However, the card does offer temporary benefits through partnerships with Visa, such as discounts at partners in the Vai de Visa programme.
Is it safe to use the Neon app for financial transactions?
Yes, the Neon app has advanced security technology, with data encryption and access protection by password or biometrics. In addition, the app allows the user to track all transactions in real time, which increases security.
How do I top up my mobile phone using the Neon app?
The Neon app offers the option of topping up your mobile phone directly from your digital account. Simply access the app, choose the top-up option and select the desired amount. The top-up is automatically deducted from the account balance.
