Cards

Unibanco Life or Unibanco Clássico: which is the best card?

Don't know which one to choose between the Unibanco Life or Unibanco Classic card? Be aware that both have international coverage, a cashback program and much more. See the comparison and choose yours!

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Discover the best card for you

Logo Unibanco fundo azul
Unibanco Life Card vs Unibanco Classic: comparison between Unibanco cards. Source: Youtube Unibanco.

Do you know the difference between a Unibanco Life card and a Unibanco Classic card? Discover today and find out which is best for you!

Firstly, a life card is perfect for those who like to save money on travel, shopping, dining out and more. On the other hand, a classic card is more suitable for those looking for more robust, traditional and secure options.

Certainly the need to have a credit card is an imperative in today's society. In that sense, when looking for the perfect card, there are a lot of different options out there. But what if it becomes confusing? What should I do? 

Well, in that case, count on us! After all, today we will analyze in depth these two different cards that Unibanco offers: Unibanco Life and Unibanco Clássico. The first is great for those who want to take care of themselves and their family without fear; the second, in turn, was designed for people who like to live life enjoying every moment!

How to apply for the Unibanco Classic credit card

The Unibanco Clássico credit card has no annual fee for cardholders, has international coverage and many benefits! See how to request!

cartão de crédito Unibanco Life fundo azul

How to apply for the Unibanco Life credit card

See how to apply for the Unibanco Life credit card, which has a free annual fee, Visa brand and international coverage.

Unibanco LifeUnibanco Classic 
AnnuityExemptExempt
Do you accept denial?UninformedUninformed
FlagVisaVisa
RoofInternationalInternational
BenefitsOnline membership, contactless payment, international brand, card control application, ATM withdrawals, points program, discounts at Unibanco partners, exclusive access to Unistore, cashback program; protection insurance against theft, loss or misplacement of the card, Wellbeing service pack.Online membership, contactless payment, international brand, card control application, ATM withdrawals, points program, discounts at Unibanco partners, exclusive access to Unistore, installments for purchases over €300 in up to 3 interest-free installments with TR3S complementary card , cashback program; protection insurance against theft, loss or misplacement of the card.

Classic Unibanco Card 

cartão de crédito Unibanco Clássico 02 large
Find out more about the card. Source: Unibanco.

This is a card that, as the name suggests, is classic! In other words, it is best suited for individuals with robust lifestyles who require more than the average person in terms of entertainment or transportation. 

It allows you to make purchases all over the world. In this sense, it has the Visa International brand. In addition, it guarantees access to ATM withdrawals, deposits and transfers.

Unibanco Life Card

cartão de crédito Unibanco Life fundo azul
Find out more about the card. Source: Unibanco.

The Unibanco Life card is for those who want to free themselves from everyday worries regarding the security of their home and family. For example, it has exclusive access to the Wellbeing package, which offers services such as home and travel assistance. However, you must sign up for the program when signing up for the card. Therefore, it is paid separately.

In general, just like the Unibanco Classic card, the Unibanco Life card is comprehensive, as it has the Visa International brand. It also allows ATM withdrawals, as well as payments and purchases or transfers. However, it does not allow purchases in installments.

Advantages of the Classic Unibanco Card 

Firstly, check out the benefits that the Unibanco Classic card offers its customers:

  • Exclusive access to Unistore;
  • Access to the TR3S card to pay in installments for purchases of 300 Euros or more in 3 interest-free installments;
  • Online membership;
  • Free annual fee;
  • Card control application;
  • International Visa Flag;
  • Contactless (approach payment);
  • Discounts at Unibanco partners;
  • Points program; 
  • Cashback program;
  • ATM withdrawals;
  • Protection insurance against theft, loss or misplacement of the card.

Unibanco Life Card Advantages

On the other hand, see the advantages that the Unibanco Life card offers its customers:

  • Exclusive access to Unistore;
  • Access to the Wellbeing service pack (home insurance, travel assistance, etc.);
  • Online membership;
  • Free annual fee;
  • Card control application;
  • International Visa Flag;
  • Contactless (approach payment);
  • Discounts at Unibanco partners;
  • Points program; 
  • Cashback program;
  • ATM withdrawals.
  • Protection insurance against theft, loss or misplacement of the card.

Disadvantages of the Classic Unibanco Card 

However, both the Unibanco Clássico and Unibanco Life cards have their disadvantages. Let’s start, then, with the Classic. Therefore, the negative points of this credit option are:

  • Exclusive for those residing in Portugal;
  • Requires proof of fixed income;
  • Cashback is limited only to the first 12 months of using the card, during which it is possible to accumulate a maximum of 200 Euros.

Disadvantages of the Unibanco Life Card

Likewise, the Unibanco Life card also has disadvantages. Then see the ones that stand out:

  • Exclusive for those residing in Portugal;
  • Requires proof of fixed income;
  • Again, cashback is limited only to the first 12 months of using the card, during which it is possible to accumulate a maximum of 200 Euros;
  • It does not allow purchases in installments.

Unibanco Life or Unibanco Classic card: which one to choose?

Anyway, you've come this far and still don't know which is the best option for you? Once again, we come to your help!

First, consider how these cards differ. In short, this basically reveals itself in the presence of the Wellbeing package for the Life option, something that is not present in the Classic. On the other hand, only the latter allows purchases in installments.

For the rest, then, both the advantages and disadvantages of the Unibanco Life and Unibanco Clássico cards are the same! Therefore, to choose between them, think about which of the points that each differs from is most important to you.

However, be sure to consider other options on the market. For example, the BPI Prémio card could be an interesting third way. Do you want to get to know it and thus have more options? So keep reading and click on the link we’ve put together especially for you! So, guarantee the credit option that suits you!

cartão de crédito BPI Prémio

How do I apply for the BPI Prémio credit card?

The BPI Prémio credit card has discount programs in partner stores, which allows up to 2% of discount on the purchase price, international Visa brand, in addition to other exclusive benefits. See how to request here!

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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