Los cargos de cambio de credito se publican por separado
La guia vigente de la tarjeta de credito InfinitePay indica 3.5% de IOF-cambio, 0% de spread adicional en compras en USD y 1% en otras monedas. Un articulo general de tarjeta virtual publica otro IOF, asi que este tarifario solo se aplica a la ficha de credito pospago; confirma en la app el cargo informado para cada operacion.
Current account page lists CPF, MEI, and CNPJ users, zero account monthly fee, and account/card products. Card access and credit approval are distinct from the payment account.
Current product page: virtual Mastercard credit card, no annual fee, up to five virtual cards, international purchases, mobile-wallet payments, and account/app-based credit approval.
Current Help Center guidance: credit access is account-dependent and based on app underwriting; the card has no annual fee, is virtual, and earns no cashback. Activating credit automatically cancels the user's previous prepaid virtual card, so the two modes cannot remain active together. Cash advances are not supported; monthly statements can be paid from the account balance or by Pix.
Current credit-card agreement: credit approval and limits are not guaranteed; the product is virtual-only, prohibits cash withdrawals, and places interest, IOF, and other applicable charges in the account statement and operation-specific disclosures. InfinitePay's credit operations use its disclosed finance-company relationship.
Current credit-card fee guide: international purchases carry 3.5% IOF-cambio; additional credit-card spread is 0% for USD and 1% for other currencies. The same guide lists different debit-mode fees; do not apply those or the credit schedule to the separate prepaid profile without its own fee terms.