Porto: Seguros, Conta e Cartão

Credit card with IOF cashback on international purchases

You request the Porto Bank credit card from within the app, after opening the digital account. The listing describes the card as the first on the market with zero IOF, the tax charged on international purchases, and says the full IOF amount is returned as cashback on the invoice.

Purchases on overseas websites or on a trip also earn points under the card's points program.

Card loans and car consortium plans

Personal loans are offered against the Porto Bank card. The listing says the cash arrives quickly and that the loan does not use up your card limit.

The consortium lets you plan a future car purchase for a set date. You can pick a term of 12, 18, 24 or 36 months, and the listing says no down payment is needed. The developer frames it as a way to plan a car swap.

Digital account and cash box savings

The digital account is opened in the app and is the starting point for the credit card. The cash box is a place to keep money, which the listing says yields 100% of the CDI rate, the benchmark rate for Brazilian fixed-income products.