If you want convenience when applying for a credit card, Banco Inter offers one of the most comprehensive and affordable solutions on the market. With just a few clicks, you can open your digital account and request a Inter credit card via the app, without having to leave home or face bureaucracy.

In addition to free 100%, the Inter card comes with zero annuity, complete control via your phone, and often with available credit as soon as the account is created. In this content, you'll learn how the application process works, who can apply, what to expect upon approval, and how to activate the credit function to start using your credit immediately.

Who can apply for the Inter credit card?

Anyone with over 18 years old and Regularized CPF You can apply for the Inter card. Proof of minimum income or a clean record is not required—the credit analysis is conducted individually, taking into account each applicant's profile.

The big advantage is that even those who are negative You can open an account and use the institution's services. The credit function may be released immediately or later, depending on account usage.

How do I apply for an Inter credit card through the app?

The process is simple and quick. See the complete step-by-step guide to applying for your Inter credit card directly from your cell phone:

1# Download the official Banco Inter app
Available on Google Play Store (Android) and App Store (iOS).

2# Open your free digital account
Tap "Open Account" and follow the instructions. You'll need to provide your name, CPF, email address, phone number, and a selfie with an ID.

3# Wait for account approval
The review process can take a few hours or up to two business days, depending on demand. Once approved, you can start using your account.

4# Request a credit card through the app
In the "Cards" menu, look for the option "Request credit function" or "Activate credit." If an offer is available, you'll see the pre-approved limit and can accept the proposal.

5# Use the virtual card immediately
After approval, the Inter virtual card is activated instantly and can be used for online purchases, apps, subscriptions, and delivery services. The physical card will be shipped to your address free of charge.

What is the initial limit of the Inter card?

The limit released depends on your profile. Many customers report receiving initial offers between R$100 and R$500, but there are cases of approvals for higher amounts. If you don't receive a limit initially, don't worry: Inter analyzes your account usage and may release credit in the next few days.

Making transactions, receiving a salary, paying bills, and using bank services are ways to demonstrate good financial behavior.

Can I apply for the card even if I have a negative credit rating?

Yes! Inter allows you to open a digital account even for those with credit restrictions. The credit function may not be available immediately, but can be released after some financial transactions, such as deposits, Pix and bill payments.

This is a real opportunity to rebuild your financial history responsibly, using a complete bank and digital 100% service.

What are the benefits of the Inter credit card?

The Inter card offers several benefits that make everyday life easier. Here are the main ones:

  • Zero annual fee
  • Virtual card available instantly
  • Complete control via the app
  • Limit increase with conscious use
  • Participation in cashback and points programs (at Inter Loop)
  • Free withdrawals from the Banco24Horas network

Additionally, Inter offers integrated investment, insurance, foreign exchange, marketplace, and much more services—all within the same app.

How do I know if Inter has released credit to me?

After opening your account, access the app and go to the "Cards" menu. If there's an active offer, you'll see the option to activate the credit feature. If not, continue using your account as usual. the bank makes frequent revaluations based on your financial movements and behavior.

Tips to increase your chances of approval

Want to ensure your credit function is released quickly? Follow these guidelines:

  • Receive transfers and Pix in your Inter account
  • Use debit for everyday payments
  • Pay bills and invoices through the app
  • Avoid delays at other institutions
  • Keep your CPF regular and up to date

These actions help strengthen your profile with the bank and can speed up the release of your credit limit.

Is it worth applying for the Inter card?

Yes, especially if you are looking for simplicity, exemption from fees and total control in the palm of your handThe Inter credit card is accepted throughout Brazil and abroad, works via an app, integrates with a digital wallet, and has a customer service platform that is highly praised by customers.

Even if the credit isn't released immediately, you can already enjoy the benefits of the digital account, make transactions, and prepare to receive the limit in the coming days.

See also: Credit card for the unemployed

April 14, 2025