Cards

Caixa Gold or Caixa Platinum Card: which is best?

Caixa Gold or Caixa Platinum Card: which one is best for your life? Check out each of them in detail today and learn about their advantages, such as international Visa flag, insurance and more!

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Discover the best card for you among Caixa’s options

cartão de crédito Caixa In
Caixa Gold or Caixa Platinum Card? See which one to choose. Source: Canva.

Choosing a card requires analysis of benefits and the Caixa Gold or Caixa Platina Card is no different. Therefore, find out the main points of each of them.

The credit card benefits that are interesting to me, in fact, may not be the same as those that you find essential. Therefore, there is no point in me telling you which one is best, but rather presenting the main points of each of them.

With this, you gather the main information about benefits and negative points, as well as how it works. From there, you can then compare the data and conclude which, in your life and your specific needs, is the best.

Therefore, be sure to continue reading to check out everything about the Caixa Gold and Caixa Platina cards below. This way, eliminate your doubts with quality information that will really help you make the best choice.

Cartão Caixa Gold fundo branco

How do I request the Caixa Gold card?

The Caixa Gold card has exclusive benefits, has the Visa brand and international coverage! Want to know how to request? Look here.

Mão segurando cartão de crédito Caixa Platina

How do I apply for the Caixa Platina credit card?

Ordering the Caixa Platina card is simple and you enjoy several special advantages, such as the Visa brand and international coverage. See how to request yours!

Gold BoxPlatinum Box
Annuity€50 €90
Do you accept denial?UninformedUninformed
FlagVisaVisa
RoofInternationalInternational
BenefitsOnline request, contactless payment, interest-free credit for up to 50 days, insurance and travel assistance and Visa benefits.Online membership, contactless payment, flexible invoice settlement, interest-free credit for up to 50 days, partner discounts, Concierge & Life Management program, invoice rounding program, brand benefits.

Platinum Box Card 

cartão de crédito Caixa Platina
Find out more about the Caixa Platina Card. Source: CGD.

This is a credit and debit card. It is related to a current account at Caixa Geral de Depósitos, in addition to offering a minimum limit of 5 thousand Euros.

Therefore, it is possible to use it for cash purchases, for payment when the invoice is due or in installments.

Caixa Gold Card

Check out more information about the Caixa Gold Card. Source: CGD.

The Caixa Gold card, with regard to its operation, is very similar to the Caixa Platina. After all, it is also linked to a current account with the institution Caixa Geral de Depósitos. Furthermore, it allows purchases by debit and credit, in cash and in installments.

It is worth noting that both the Caixa Gold and Platina cards have the Visa International brand. Therefore, they allow their use all over the world!

Platinum Caixa Card Advantages 

To know which is the best credit card, whether the Caixa Gold or Caixa Platina card, it is necessary to know the positive and negative points of each of them. Let's start, then, with Platina, which offers the following benefits:

  • Online membership;
  • Application to track transactions in real time;
  • Travel assistance;
  • Up to 50 days of interest-free credit;
  • International Visa Flag;
  • Benefits of the flag;
  • Concierge & Life Style Management;
  • Discounts and promotions at Caixa Geral partners;
  • Exclusive service and assistance packages;
  • Contactless payment;
  • Value rounding program beneficial to the customer;
  • Travel insurance and assistance.

Caixa Gold Card Advantages

Still, to continue the comparison to find out which is better, the Caixa Gold or Caixa Platina card, we also need to know what the highlights and benefits of Gold are. Check out what they are:

  • Online membership;
  • Application to track transactions in real time;
  • Travel assistance;
  • Up to 50 days of interest-free credit;
  • International Visa Flag;
  • Benefits of the flag;
  • Discounts and promotions at Caixa Geral partners;
  • Contactless payment;
  • Value rounding program beneficial to the customer;
  • Travel insurance and assistance.

Disadvantages of Caixa Platinum Card 

On the other hand, it is also necessary to know what the negative highlights of each of these cards are. Let's start, then, with Caixa Platina, which appears to be not so cool for the following reasons:

  • Annual fee charged, with no possibility of zeroing or reducing it;
  • Exclusive card for those who have an account at Caixa Geral de Depósitos;
  • To have a credit card and account at Caixa Geral de Depósitos you must reside in Portugal, as well as be 18 years of age or older.

Disadvantages of the Caixa Gold Card

The disadvantages of the Caixa Gold card compared to the Caixa Platina are quite similar. Therefore, here we have a point that does not make much difference in the final comparison process, with the exception of the annual fee, which is higher in Platina.

The Caixa Gold card, then, has the following negative points:

  • Annual fee billing without the possibility of resetting it or obtaining discounts on the billing amount according to your expenses on the invoice;
  • Exclusive card for those who have a current account at Caixa Geral de Depósitos bank;
  • Finally, the institution that manages the cards only accepts as customers those who are 18 years of age (or older) and reside in Portugal.

Therefore, Brazilians can only use this or that card when they reside in Portugal and are able to prove this residence, as well as income in the European country. Otherwise, they won't even have the chance to obtain these cards and a current account.

Caixa Gold or Caixa Platinum card: which one to choose?

Still in doubt about which card is best for you? Well then, follow our tips. It will not always be easy to choose a credit card, especially due to the variations in benefits and maintenance fees, as well as the limitations imposed by the rules of each of them.

However, it is possible to make the right choice when considering these points:

  • Benefits and disadvantages of each;
  • What do you think is essential in a card;
  • What are the benefits you are looking for and which ones really make a difference in your life.

With this, you will then be able to choose between the Caixa Gold or Caixa Platinum card. Or, between these and other cards available on the market! However, if you are looking for another Caixa card option, find out about the ISIC Credit Card below!

Pessoa segurando cartão Caixa ISIC, xícara de café e fone de ouvido

How do I request the Caixa ISIC card?

Requesting the Caixa ISIC card is simple! Learn step by step and take advantage of its advantages, such as international Visa and insurance!

About the author  /  Aline Augusto

My name is Aline Mesquita, I'm a writer here on the blog, where I write about finance in general, as well as other topics. I have been working with content creation for 10 years, with a postgraduate degree in Project Management, with expertise in SEO practices, in addition to studying finance, market trends and cryptocurrencies.

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