The Carrefour credit card is an increasingly popular financial tool in Argentina, offering a range of exclusive benefits for everyday consumers.
Backed by Banco de Servicios Financieros (BSF), this card combines convenience, discounts, and rewards that are tailored to your daily shopping needs.
In this article, we’ll walk you through the key benefits of the Carrefour credit card, the application process, and the essential information you need.
What is Carrefour, and where does it exist?
Carrefour is one of the largest multinational retail corporations in the world, originally founded in France in 1959.
It operates a network of hypermarkets, supermarkets, and convenience stores, offering groceries, electronics, clothing, and household items.
The company has a significant presence in several countries, especially in Europe, Latin America, Asia, and the Middle East.
Carrefour is recognized for its commitment to offering quality products at competitive prices and for its focus on sustainability in retail operations.
Key Locations:
- France (the country of origin)
- Spain
- Italy
- Belgium
- Brazil
- Argentina
- China
- Poland
- Romania
- Middle East (including the UAE and Qatar)
Its operations are wide-reaching, with thousands of stores worldwide, catering to different market needs, from large hypermarkets to smaller neighborhood stores.
In some countries, Carrefour has also developed partnerships and joint ventures, expanding its reach even further.
Why Choose a Carrefour Credit Card?
Carrefour’s credit card is ideal for consumers looking to save on groceries, household items, and more.
Cardholders enjoy discounts on selected Carrefour products, exclusive promotions, and access to financing options with flexible terms.
In addition to in-store savings, the card can be used at any establishment that accepts Mastercard or Visa, depending on the card type you choose.
Key Benefits
- Discounts in Carrefour Stores: Every week, Carrefour credit card users can take advantage of special discounts on various categories such as fresh food, cleaning products, and beverages. The promotions vary, but they are consistently updated and tailored to customer needs.
- Installment Plans: One of the highlights of this card is the ability to finance purchases in several interest-free installments, especially during promotional periods.
- Exclusive Offers on Fuel and Services: Cardholders also get access to discounts at participating gas stations and other partner businesses, helping reduce everyday expenses beyond supermarket shopping.
- Digital Management: Everything can be managed directly from the mobile app, from viewing your account summary to paying your bills. The app is available for Android and iOS, and it simplifies banking with an intuitive interface.
- Additional Cards: You can request additional cards for family members at no extra cost. This helps you centralize household spending and accumulate more benefits in a single account.
Types of Carrefour Credit Cards
Carrefour offers both Visa and Mastercard options. When applying, you can choose the one that best suits your spending habits or preference.
There’s also a Prepaid Carrefour Card for those who prefer not to use credit but still want access to discounts and promotions.
It's a flexible option that can be reloaded as needed.
Application Process – Simple and Digital
You can apply for the Carrefour credit card online in just a few minutes. There’s no need to visit a branch or send documents by mail.
Follow these steps:
- Start by downloading the Carrefour app on your smartphone.
- Open the app and enter your National ID number (DNI) and your date of birth. This helps the system start your application.
- Fill in your full name, contact information, and other personal details as requested. Make sure your information is accurate.
- Choose between Visa or Mastercard, or select the prepaid option if you prefer.
- As part of the identity verification process, you’ll be asked to take a selfie and upload a photo of your ID. This is a secure way to confirm your identity digitally.
- Once your application is reviewed and approved, you will receive confirmation via email or in the app. Your card will then be delivered to your registered address.
The Carrefour credit card is integrated with the Carrefour app, allowing users to manage their card and enjoy a wide range of services.
You can view all your recent transactions and keep track of your spending in real-time and easily pay your credit card bills directly.
Interest Rates and Financial Details
As of March 2025, the nominal annual interest rate (TNA) for financing with the Carrefour credit card is approximately 122.00%.
Depending on the type of purchase and financing term, the effective annual rate (TEA) can reach 203.00%.
Minimum income requirements may apply, and eligibility is subject to credit approval by Banco de Servicios Financieros.
These rates may vary over time based on economic conditions and the Central Bank’s regulations.
- Always review the latest terms in the app or official website before applying.
Customer Support
If you need assistance or have questions about your Carrefour credit card, you can contact the Banco de Servicios Financieros directly.
Phone number:
0810-122-7565 (Monday to Friday, 9 a.m. to 6 p.m.)
Main office address:
Banco de Servicios Financieros S.A.
Avenida Libertador 498 – Piso 26
Ciudad Autónoma de Buenos Aires (C1001ABR) – Argentina
You can also visit www.bancobsf.com.ar for more information, or reach out through their app’s help section.
Conclusion
The Carrefour credit card is more than just a payment tool—it’s a way to unlock savings and streamline your shopping experience.
Its digital-first application process, special in-store discounts, and flexible financing make it a solid choice for anyone.
This might be the perfect option for those who shop regularly at Carrefour or want a card with real, tangible perks.
Disclaimer: The approval and issuance of the Carrefour credit card is subject to verification of personal and financial information, as well as the internal credit policies of Banco de Servicios Financieros S.A. Interest rates, promotions, and terms are subject to change without prior notice. Please read the terms and conditions in detail before confirming your application. The information provided in this article is for informational purposes only and does not constitute financial advice or a binding offer.
