Want to secure your card?
Are you looking for an easy-to-get credit card with fast approval and no hidden fees? The BMG Card This could be the ideal option — especially if you want to avoid the bureaucracy of traditional banks. The application process is online, with no queues, no paperwork, and the card even comes with a free digital account and cashback.
In this post, I'll show you. How to apply for a BMG Card, Who can apply, how the approval process works, and what advantages make this card a smart choice.
What is the BMG Card?
THE BMG Card It is offered by Banco BMG, a Brazilian financial institution with over 90 years of history, which today operates with modern and accessible digital solutions. The card comes integrated with a free digital account and offers benefits such as:
- Zero annual fee
- Cashback on all purchases
- International card with Mastercard logo
- Simplified approval, including for those with negative credit history (in the payroll loan version)
- 100% management via the “My BMG” app”
And the best part: you do everything directly from your cell phone., without needing to prove income nor have an account at another bank.
Who can apply for the BMG Card?
The bank offers different types of cards, and each one has a specific target audience:
1# BMG Plus Card
- For anyone over 18 years of age.
- Ideal for those who want a card with cashback and no annual fee.
- Traditional credit analysis using SPC/Serasa.
2# BMG Consigned Card
- For retirees and pensioners of the INSS (Brazilian National Social Security Institute).
- For federal, state, and municipal public employees.
- No credit check required (SPC/Serasa).
- Part of the bill is deducted directly from the benefit.
- Much lower rates
Both cards can be requested. no bureaucracy, either directly through the app or the official website.
How do I apply for the BMG Card?
1# Visit the official website
Enter www.bancobmg.com.br Or download the "Meu BMG" app from your mobile phone's app store.
2# Open your digital account
Even if you only want the card, you need to open a free digital account. The process takes less than 5 minutes.
- Please provide your name, CPF (Brazilian tax identification number), phone number, and email address.
- Send a photo of the document (ID or driver's license).
- Take a selfie for validation.
- Confirm your personal details and address.
3# Request the card
After opening the account, go to the tab. Cards Inside the app, tap "Apply now". Choose the type of card (Mais or Consignado) and follow the application steps.
4# Please wait for analysis.
The answer usually comes out in a few hours, However, it can take up to 2 business days. If approved, the The virtual card is activated instantly. And the physical copy arrives at your home by mail.
Do I need to provide proof of income?
No. The BMG Plus Card can be requested without proof of income, As long as you correctly fill in the basic information during registration, the bank analyzes your profile based on your CPF (Brazilian tax identification number), credit score, and other public data.
Already Payroll Deduction Card It only requires a link to the INSS (Brazilian National Social Security Institute) or a public body — and the invoice amount is deducted directly from the benefit, which reduces the risk of default and eliminates the need for traditional analysis.
What are the benefits of the BMG Card?
1# Zero annual feeThere is no monthly fee, even if you don't use the card.
2# Automatic cashbackPart of the amount spent is returned to your BMG account. The percentage varies according to the bill amount and can be viewed through the app.
3# Full control via the appYou can track your bill, generate a virtual card, check your cashback, and block your card with one click.
4# International card: with Mastercard logo, accepted in physical and online stores worldwide.
5# Discounts at partner storesBMG has partnerships with stores, pharmacies, and platforms that offer exclusive promotions for customers.
6# Simplified approvalEspecially in the consigned version, which does not require a clean credit history.
Does BMG approve credit card holders with a negative credit history?
Yes, in consigned version, The BMG Card is one of the best options for those with a negative credit history. Since payment is made via automatic deduction from INSS benefits or payroll, the bank assumes less risk and doesn't need to consult SPC/Serasa (credit bureaus).
In fact, this is a gateway for those who want to. rebuild credit Safely, and start returning to the financial market.
What is the initial limit?
The initial credit limit varies according to the customer's profile. For the Mais card, it's set after a credit analysis. For the payroll-deducted card, the limit can be higher, as it's calculated based on the applicant's available credit margin.
With frequent use and timely payments, the bank usually releases the funds. progressive increases in limit, which can also be requested through the app.
Is it safe to use the BMG Card?
Yes. BMG is a bank authorized by the Central Bank and follows all digital security standards. The app features biometric authentication, SMS notifications for transactions, and password-protected access.
Furthermore, the card can be blocked and unblocked through the app, giving the user complete control in case of loss or misuse.
See also: Got a bad credit score? Loans of R$1,500 or more available
May 29, 2025
Graduated in Literature – Portuguese/English, and creator of the website Successful Writer, seeks to expand everyone's knowledge with relevant information on a variety of topics, as a writer. At Vaga de Emprego RJ, she provides opportunities and tips on the job market.