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Banco Inter review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Banco Inter pays cashback on all purchases and charges an annual fee of BRL 0, so it suits readers in Brazil who want rewards without a charge to hold the card. The currency conversion deal sits on the global account rather than the cashback card, which is the trade-off to weigh.

Key facts

Best for
Readers in Brazil who want cashback on every purchase without an annual charge or a conversion fee.
Annual fee
R$0 (Source, checked September 26, 2026)
Currency conversion fee
0% (Source, checked September 26, 2026)
Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
cashback on all purchases (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Banco Inter S.A. (Source, checked September 26, 2026)
Headquarters
Brazil (Source, checked September 26, 2026)
Founded
1994 (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Rewards
Official website
bancointer.com.br

Debit cards

Monthly fee
R$0 (Source, checked September 26, 2026)
Currency conversion fee
0% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Mastercard (Source, checked September 26, 2026)
Legal entity
Banco Inter S.A. (Source, checked September 26, 2026)
Headquarters
Brazil (Source, checked September 26, 2026)
Founded
1994 (Source, checked September 26, 2026)
Features
Rewards

Apps and profiles

Get the app
App Store
Elsewhere
WikidataLinkedInX

Pros and cons

Pros

  • Cashback on all purchases (cashback on all purchases), with rewards as the listed feature (rewards).
  • The card follows a no annual fee model (no annual fee) and runs on mastercard.
  • Issued by a bank founded in 1994, so the provider is long established.

Cons

  • Cashback sits on the credit card (credit), while the currency conversion fee of 0% belongs to the global account debit card (debit), so the two benefits come from separate products.
  • Rewards are cashback (cashback) only, so there is no points or miles scheme to earn through this card.
Banco Inter

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Scored 9.3 / 10 by DebitCue.

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Who it suits

  • Readers in Brazil who want cashback on everyday spend, since the annual fee is BRL 0.
  • Anyone paying in more than one currency, since the currency conversion fee on the global account is 0%.
  • Card users who want a rewards card with no annual charge and cashback rather than points (cashback).

Who should look elsewhere

  • Varo, if you would rather hold a card priced in US dollars: its annual fee is $0 against BRL 0 here.
  • Chime, if you want a Visa card rather than mastercard.

Fees and currency costs

On cost, this is a plain offering with nothing to pay. The annual fee on the card is BRL 0, and the currency conversion fee on the global account is 0%. For readers who compare cards on what they cost to hold and to use abroad, both numbers sit at the level that most cards on the site already match.

Who runs it

The card is issued by Banco Inter S.A., a bank headquartered in Brazil. The business was founded in 1994, so the issuer behind the card is long established rather than a new entrant. Because it is a domestic bank, the account and its fee schedule are written for customers in its home market.

How Banco Inter compares

Where Banco Inter is available

Available
Brazil

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to hold the card?+

The annual fee on the card is BRL 0, and the account is listed with a monthly fee of BRL 0. On that schedule there is no charge to hold the card and no monthly maintenance cost on the account, which is the first thing most readers check on a credit card.

Does it pay cashback on everything I spend?+

Rewards are paid as cashback, and the rate is described as cashback on all purchases, so there is no separate category of spend to track. Cashback is the feature this card leads on (rewards), and the rewards type is cashback (cashback) rather than points or miles.

What does it cost to use the card abroad?+

The global account's currency conversion fee is 0%, so paying in a foreign currency adds no conversion charge to the bill, while the typical card compared here charges 1%. That makes it a sensible card to hold alongside a domestic one.

Is this a credit card or a debit card?+

The cashback card is a credit card (credit), while the card on the global account is a debit card (debit). The two fee lines sit on different products, so a reader who wants the cashback and the currency deal is choosing between products rather than one card.

Which network does the card run on?+

The card runs on mastercard. If your other cards sit on a different network, that is the detail to check before relying on this one abroad, because acceptance at a machine or a till is set by the network rather than by the bank that issued the card.

Who runs the card?+

The card is issued by Banco Inter S.A., a bank based in Brazil, and the business was founded in 1994. It is an established domestic bank rather than a new name, which matters for readers who weigh how long an issuer has been in the market.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR.

Banco Inter

Banco Inter

Readers in Brazil who want cashback on every purchase without an annual charge or a conversion fee.

9.3/10See alternatives