Many websites and videos are promoting the Méliuz Elo Platinum Card as an unmissable opportunity, with cashback up to 2% and free annual fee. But is this offer really as good as it seems?In this article, we’ll take an in-depth look at the app and the card and help you decide if it’s worth it for you.
What is the Card and the app?
The Méliuz Elo Platinum Card is a credit card issued by Meliclub, the loyalty program of the Magazine Luiza Group and the Méliuz app. It offers several benefits, including:
Cashback of up to 2% on purchases
VYou receive back a percentage of the value of your purchases in Meliclub partner stores.
Free annual fee
THE The card has no annual fee, as long as you meet certain requirements, such as making purchases with it every month.
Access to exclusive offers
VYou have access to special offers and promotions in Meliclub partner stores and on the app.
Points program
VYou accumulate points on all your purchases, which can be exchanged for products, trips and other benefits.
But is the Méliuz Elo Platinum Card really advantageous?
To answer this question, it is necessary to analyze some important points:
Credit limit: The credit limit for the Méliuz Elo Platinum Card is variable and depends on your income and credit profile. It is important to check whether the limit offered is sufficient for your needs. Furthermore, it is necessary to consider that Meliclub is strict in its credit analyses, which may make approval difficult.
Difficulty in approval: The card is not an easy card to be approved for. Meliclub is known for being meticulous in its credit analysis. However, if approved, it is important to check the conditions for the 2% cashback.
Conditions for 2% cashback: To get the maximum cashback of 2%, you need to make purchases at Meliclub partner stores and use the Meliclub app to make the payment. Not all partner stores offer the maximum cashback, and the cashback amount may vary depending on each establishment's policy.
Méliuz App and Card: More Important Points
Free annual fee: To get the annual fee waived, you need to make purchases with the card every month. If you don't use the card frequently, you may be charged an annual fee. In short, it's important to be aware of these conditions to avoid surprises on your bill.
Points program: The Méliuz Elo Platinum Card's points program is not one of the best on the market. The points accumulation rate is low and the options for exchanging them for products and travel are limited. So, although the card offers benefits such as cashback and free annual fees, it is important to consider your preferences and points accumulation needs when deciding whether to use it.
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In effect, the The Méliuz Elo Platinum Card may be a good option for those who frequently shop at Meliclub partner stores and use the Meliclub app to make payments. However, it is important to analyze the negative aspects of the card before requesting approval.
Meliuz App: Remember:
There is no perfect credit card for everyone. The best card for you will depend on your needs and spending profile. It is important to compare different cards before making a decision. Read the card terms and conditions carefully before applying for approval.
