Anyone who likes to travel and shop abroad knows very well how scared it can be when paying the credit card bill. The reason? The 6.38% IOF tax levied on all international purchases made using cards.
And it was thinking about making life easier for travelers that BTG Pactual launched the IOF Especial, a new and exclusive benefit of the BTG Pactual Black Card.
With it, it is possible to travel much lighter and safer, without having to carry cash. Since, with this card, you pay the same IOF as paper money.
It works like this: whoever owns the BTG Pactual Black card and hires the Special IOF benefit, gets 5.28% back on the total amount of international purchases on their invoice. In other words, it is like paying an IOF tax of only 1.1% – equivalent to that of paper money. Also, those who have contracted Invest+, which gives 1% cashback on all purchases, receive 6.28% in total.
In short, anyone who travels abroad with a regular card and spends US$ 100, receives an invoice with US$ 100 + US$ 6.38 of IOF. That is, it spends US$ 106.38 in total.
Those who travel with BTG Pactual Black and spend the same US$ 100 receive US$ 5.28 in cashback. This means that the invoice will come in the total amount of $101.10.
This is a benefit that customers purchase with the card they use on a day-to-day basis, without the need to open an additional account or contract a new card just to use it abroad, maintaining all the facilities they already know and concentrating all financial life in one place. In addition, BTG Pactual customers can count on a service available 24 hours a day, 7 days a week, wherever they are.
Another great advantage, of course, is security – because with the IOF Especial contract, it is not necessary to travel with a large amount of cash. In addition, the customer can also make payments with the virtual card and/or digital wallets – without needing the physical card.
BTG Pactual Black also has all of Mastercard’s Black benefits, such as Travel Insurance, Car Insurance, VIP Room, etc. It also offers the option of choosing between 1% cashback on investments, or accumulating 2.2 points per dollar spent on Livelo or Esfera partner programs. Those who enjoy comfort and exclusivity can also hire the benefit that gives four more accesses per year to the Key Lounge VIP Rooms.
As all benefits can be activated and deactivated whenever they want and very easily through the app, the customer can model the card by activating the benefits that make the most sense at the moment in their life.
O BTG Pactual Black card it helps clients with day-to-day personal financial management, accompanies them on their international trips and, above all, participates in making their dreams come true.
Source: CNN Brasil
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