Santander SX Mastercard
A no-annual-fee card aimed at young people and first-time users. The SX gives you cashback on the card bill, a fully digital onboarding, and the backing of a major bank, all without charging a yearly fee.
Why it ranks
- Zero annual fee
- Cashback on everyday spending
- Easy, app-based onboarding
- Good first card from a big bank
What holds it back
- No airport lounge access
- Cashback rates are modest
- Lower starting credit limits
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A no-annual-fee card aimed at young people and first-time users. The SX gives you cashback on the card bill, a fully digital onboarding, and the backing of a major bank, all without charging a yearly fee.
Santander SX Mastercard at a glance
| Issuer | Santander Brasil |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | Promotional cashback offers for new clients (varies) |
| Rewards rate | Cashback on eligible spends, credited to the bill |
| Intro APR | N/A |
| Regular APR | Variable rotativo per Santander's disclosed rates |
| Foreign transaction fee | IOF plus Mastercard exchange rate on international spends |
| Credit needed | Fair |
| Best for | Young users and beginners who want free cashback |
| Airport lounge access | No |
Rewards & benefits
- Cashback credited directly to your card bill
- No annual fee on the SX card
- Fully digital application and management
- Mastercard global acceptance
- Promotional offers and partner discounts
Eligibility & who it suits
- Brazilian resident with a valid CPF
- Age 18 or older
- Serasa score and credit history reviewed by Santander
- Application via the bank's digital channels
How to apply
Check current rates on Santander Brasil’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar Brazil cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | SBSantander BrasilSantander SX MastercardNo annual fee · BR Santander SX MastercardYoung users and beginners who want free cashback |
None | Cashback on eligible spends, credited to the bill | Promotional cashback offers for new clients (varies) | IOF plus Mastercard exchan… | Fair | |
| 2 | NPNu Pagamentos (Nubank)Nubank Mastercard RoxinhoNo annual fee · BR Nubank Mastercard (Roxinho)First-time and app-savvy users who want a free, fully digital card |
None | No rewards listed on the card page; check the Nubank app for current rewards opt… | No traditional welcome bonus; zero fee from day one | IOF plus Mastercard exchan… | Fair to Good | |
| 3 | BIBanco InterInter MastercardNo annual fee · BR Inter Mastercard Credit CardInter account users who want free cashback in a super-app |
None | Cashback on bills and marketplace purchases | Promotional cashback for new account holders (varies) | IOF plus Mastercard exchan… | Fair to Good | |
| 4 | IUItau UnibancoItau Click Visa PlatinumNo annual fee · BR Itau Click Visa PlatinumEveryday digital shoppers who want a free points card |
None | Around 1 point per US dollar spent | Promotional bonus points for new clients (varies) | IOF plus Visa exchange rat… | Fair to Good |
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