The Next Visa International Card is one of Brazil’s most accessible and digital-friendly credit cards. Designed by Banco Next, it’s linked to Bradesco and widely accepted around the world.
You can enjoy exclusive perks and control everything through your phone. This article breaks down how to apply, what benefits you get, and how to manage your account.
What Is the Next Visa International Card?
This card offers flexibility, zero annual fees, and digital management via the Next app. It’s part of the Visa network, meaning you can use it both in Brazil and abroad.
The card is issued by Banco Next, a digital bank owned by Bradesco. It suits users looking for convenience, control, and savings without paying extra. Unlike traditional cards, you won’t need to visit a branch to open an account.
Everything is managed from your smartphone. The card is linked to a digital account that includes savings tools and Pix. You’ll have a virtual and physical card for online and in-store purchases.
Exclusive Perks That Come With It
This card gives you more than just the basics. You get real discounts and benefits through Visa and Banco Next. These perks make it ideal for digital users who like smart banking. Here's what you get as a cardholder.
- Mimos do Next: A platform offering cashback, discounts, and exclusive deals at partner brands.
- Visa Benefits: Includes protection for purchases, Visa Travel Assistance, and global acceptance.
- Virtual Card Option: A secure way to shop online using a different number from the physical card.
- Digital Wallet Integration: Compatible with Apple Pay, Google Pay, and Samsung Pay.
Who Can Apply for the Next Card?
Before you begin the process, verify that you meet the eligibility requirements. Most users in Brazil will qualify. The card is designed for easy access and digital usage.
You must be 18 years or older with a valid CPF. You’ll need proof of residence and an active mobile number.
Banco Next may request income documentation during the approval process. Ensure your email and phone are functioning properly for digital validation.
How to Apply for the Next Visa International Card?
Obtaining this card is quick, and everything is handled online. You’ll use the Next app to complete the steps. Keep your documents ready before you begin.
- Download the Next app from Google Play or App Store.
- Open the app, enter your CPF, and follow the registration prompts.
- Upload your ID (RG or CNH), proof of residence, and income if required.
- Submit the form and wait for a credit analysis.
You’ll receive confirmation via the app or email. If approved, your card will be sent to the registered address. You can activate it inside the app in a few taps.
Interest Rates and Monthly Costs
Even with no annual fee, it's essential to understand the potential charges. These costs only apply if you delay payments or use installment features. Always stay updated by checking the app.
The card has zero annual fee and doesn’t charge for maintenance. If you use the revolving credit line, interest can reach up to 14.85% per month.
Late payments include a 2% penalty fee plus daily interest. These numbers are based on July 2025 and may vary.
Managing Your Card Digitally
Once approved, all operations are handled inside the Next app. It’s a full financial control center. You won’t need to visit a bank or use paper statements.
The app shows your current limit, spending categories, and due dates. You can generate a virtual card for secure online shopping.
There's also a feature to lock or unlock the card instantly. The app supports Pix, bill payments, and transfers.
What Comes With the Digital Next Account?
When you apply for the card, you also get a free digital bank account. This account powers all transactions and offers useful tools. It's required for managing your card.
The account includes unlimited transfers via Pix, TED, and DOC. You can also withdraw at Bradesco ATMs without fees. Tools like “Objetivos” help you save for specific goals. The “Flow” tool helps track monthly income and spending.
Your Credit Score and Limit Consideration
The credit limit is not fixed and will depend on your profile. Banco Next checks your Serasa or Boa Vista score during analysis. If you're just starting, you may get a low initial limit.
Use your card regularly and pay on time to build history. The system automatically reevaluates your usage over time.
You can also request an increase directly from the app. Keep your data updated to support your credit profile.
Differences From Other Next Cards
Banco Next offers multiple credit card options. The International version is the basic model. Other versions include Gold and Platinum.
The International card offers zero annual fees and essential Visa benefits. The Gold version includes higher limits and some insurance features.
The Platinum card provides travel assistance and airport perks. The International card is ideal for new users and those who want low-cost access.
Security Features Built Into the Card
Security is a major benefit of using the Next Visa International Card. It includes features that protect your money and data. Everything is accessible from your phone.
You’ll get instant alerts for every transaction. You can block the card temporarily in case of loss or suspicious use.
The virtual card ensures safe online purchases. Visa’s global protection covers fraud and unauthorized use.
Advantages and Disadvantages Recap
If you're considering the card, compare the pros and cons. It’s built for convenience, but it may not suit every profile. Here's a quick evaluation.
Pros:
- No annual or maintenance fee
- Full control via smartphone
- Cashback and discounts on Mimos do Next
- Visa protection and wide acceptance
Cons:
- The starting limit may be low
- Requires good digital skills
- Approval depends on credit score
- No physical branches for in-person service
Official Support Channels
If you have questions or need help, Banco Next offers multiple support options. You don’t need to visit a branch.
- Customer Service: 0800 275 6398
- Ombudsman: 0800 722 3939
- Official Website: https://next.me
- Next App Chat: Support chat is available inside the app
You can also get help through Bradesco’s ATM terminals if needed. Keep your CPF and card number available when calling support.
Disclaimer: The information in this article is for general guidance only and may change over time. Always check the official Next website or app for the most up-to-date terms and conditions. Card approval, features, and interest rates depend on your financial profile.
Why You Should Consider Applying Today?
The Next Visa International Card is one of the most cost-effective ways to access credit in Brazil. It’s packed with digital tools and comes with no annual fee.
You get flexibility, rewards, and control over your finances in a simple app. If you're eligible, applying is fast and worth your consideration.
