Choosing the best Inter card depends on how you spend, whether you travel, and what benefits you value.
Banco Inter issues a family of Mastercard credit cards with zero annual fee and a unified rewards program (Inter Loop).
Below you’ll find a practical, fact-checked guide to pick the right tier, apply step by step, understand interest, and keep all the contact details handy.
Which Inter Card is “Best” For You?
If you want the best overall value without complexity, start with Platinum and upgrade later if your travel profile or spending justifies Prime/Black.
Inter Gold
This is the entry tier. It earns 1 point per R$10 in the Inter Loop program when your card bill is on automatic debit.
Points can be redeemed for cashback in the account, discount on the bill, miles, dollars in the Global Account, investments, and access to Inter’s lounges.
Inter Platinum
The sweet spot for most users: still no annual fee, with richer Mastercard travel perks (concierge, travel rewards, insurance)
Earn 1 point per R$5 spent in Inter Loop (with bill on automatic debit). Inter lists several paths to qualify:
Keep R$50k–R$250k invested on Inter Invest; Receive ≥ R$6,000 net salary for 3 consecutive months; Have each of your last 4 Gold bills above R$5,000.
Inter Prime / Black
Targets frequent travelers and higher spenders.
Prime (which pairs with the Mastercard Black card) scores 1 point per R$2,50 and includes Inter VIP Lounge access and broader travel advantages.
For many consumers, Prime/Black is “best” only if you’ll use the lounge and premium perks; otherwise, Platinum maximizes value at no annual fee.
Step-by-Step: How to Apply For The Best Inter Card
Inter is a 100% digital bank; all operations take place within the Super App or internet banking.
Inter recommends sharing income evidence to strengthen your limit/approval; recent payslips, tax return receipt, bank statements, or card bills.
Standard identification (e.g., CPF and photo ID) is required when you open the account. Each credit request is subject to analysis.
Step 1 — Open (or log into) your Inter digital account
If you’re new, open the account in the app; if you’re already a client, proceed to the cards area.
Step 2 — Request the credit function
In the app, go to Cartões and tap Solicitar função crédito.
You can upload documents to help credit analysis—e.g., latest income stubs, tax return receipt, bank statements—and then finish the request.
Analyses may be concluded in up to 7 business days.
Step 3 — Choose (or work toward) the best tier
If you’re approved with Gold, you can build a path to Platinum by maintaining a qualifying salary on Inter, investing via Inter Invest, or keeping R$5k+ spend.
To move into Prime/Black, Inter’s relationship rules describe benefits and qualification methods.
Current thresholds are best verified in-app because they can change.
Step 4 — (Optional) Boost your initial limit
If your starting limit is low, Inter offers CDB Mais Limite (invest from R$100 and get the same amount as credit limit, redeemable after one business day)
Also, Poupança Mais Limite (save from R$50 and convert savings +10% extra into a limit).
Both can be activated right in the Super App.
Step 5 — Activate Inter Loop to earn points
After the card is approved, join Inter Loop in the app.
Your earn rate depends on the tier (Gold 1 pt/R$10, Platinum 1 pt/R$5, Prime 1 pt/R$2,50; Black follows Prime’s accrual).
Points can be redeemed for miles, bill discounts, cashback, investments, lounge access, and more.
Interest, Fees, And How Inter Calculates Charges
Inter’s marketing highlights zero annual fee for cards such as Gold and Platinum (and the Prime card).
Always verify the current tariff tables in the official tariff area of the site or within the app.
- Installment of the bill (parcelamento da fatura): até 11,90% ao mês.
- Crédito rotativo: até 16% ao mês.
- For international purchases, Inter applies the dollar rate of the purchase date (settled on the next business day for display), and statutory IOF applies to card transactions abroad.
Good Practices To Minimize Cost
Keep automatic debit on to earn points and help avoid forgetfulness.
Prefer full payment to avoid rotativo.
If you need extra time, consider the installment plan (parcelamento) as it avoids revolving interest and keeps your card active while you reorganize payments.
How To Use Travel Perks And Lounges
If the best Inter card for you includes travel benefits, be aware of them and their limits.
If you attain Prime/Black, you can access Inter VIP Lounges (e.g., GRU Terminal 2 and Curitiba).
Within the app, generate the QR Code for entry, and review companion policies (Prime/Win may allow complimentary companions with additional cards).
Platinum and Gold do not include complimentary lounge access.
Banco Inter — Address And Phone Numbers
Address (Head Office): Av. Barbacena, 1219 – Santo Agostinho, Belo Horizonte (MG), CEP 30190-131.
Customer Service: 3003-4070 (capitals and metro areas) / 0800-940-0007 (other locations).
SAC (24/7): 0800-940-9999.
Ouvidoria (Mon–Fri, 9am–6pm): 0800-940-7772.
Conclusion
If you want the best value from an Inter credit card in 2025, Inter Platinum strikes the right balance: no annual fee, solid earn rate (1 pt/R$5).
If you travel often and can meet the relationship thresholds, Prime/Black adds lounge access and the highest earn rate.
Whatever your tier, keep the bill on automatic debit, pay in full, and use tools like CDB Mais Limite to right-size your limit without falling into the rotativo.
Disclaimer: Rates, thresholds, and benefits change. Always confirm current fees, interest range, and qualification paths inside the Super App or on Inter’s website before applying. Interest examples are illustrative. Inter lists até 11,90% (installment) and até 16% (revolving); your exact effective charge appears on your bill. Credit approval is subject to analysis and may require additional documentation or limit management via CDB/Poupança Mais Limite at your discretion.
