Apply for Banco Hipotecario Visa Card: What is it, Types, Requirements, Benefits, How to Apply and MORE

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To start you should know that a credit card is a plastic card issued by a financial company. That allows its owner to borrow money from the issuer. We will tell you how Apply for the Banco Hipotecario Visa Card, to achieve that with these cards you pay for products or services without having cash or check.

Within this context, it is a concept of great value in financial matters and of great utility for all people and companies in Argentina. That is why, below, we will tell you everything you need to know about the cards, types, services, benefits and much more.

What is the Mortgage Bank?

Next, we want to talk to you about what is known as the hipotecary Banc in the Republic of Argentina and its relevance to its economy. In this sense, it is basically one of the main financial institutions in the country, having granted more than two million loans for homes.

In this regard, it aims to provide comprehensive solutions in terms of credit, savings and investment aimed at families, companies and public sector organizations. Through a mixed shareholding composition, we enhance the strengths of the public and private sectors. Where its main shareholder is IRSA Inversiones y Representaciones SA, a development company real estate leader in Argentina.

It should be noted that the Mortgage Bank emerged in 1886, with the issuance of the Law that establishes its creation. Which is why, it opens its doors to the public in November of that same year. For all these reasons, on December 20, 1886, the first mortgage bonds were put into circulation.

Next, we are going to describe all the options that the Mortgage Bank offers you in terms of products and services. In order that you can decide on the one that best suits your needs. And you can Apply for the Banco Hipotecario Visa Card quickly and without any inconvenience.

Types of Visa Card Issued by the Mortgage Bank

In this section we are going to talk to you in very clear and simple terms, about the types of Banco Hipotecario Visa Cards that exist among their products. In this regard, it is very interesting to learn about this aspect due to the importance of what these products offer in personal or business financial management.

In this sense, we are going to refer to the debit card modality, which constitutes a magnetic card, associated with the Savings Bank. Which allows you to make purchases in stores, transactions, deposits, money extraction in cash by ATMs, inquiries by self-service terminals.

In the same way, by having the debit card of the mortgage bank, you can enter Home Banking and access your account information. As well as, it allows you to save money and obtain the exclusive discounts and benefits associated with this particular product.

Additionally, you can also have any of the different credit cards offered by Banco Hipotecario under the backing of the Visa company. Among which are: VISA Classic Internacional, VISA Gold, VISA Platinum, VISA Signature, Aerolíneas Plus and VISA Libertad.

In this regard, Cards Mortgage Bank Visa It is a means of payment, which allows you to make purchases and cancel said value later. It is called “credit” because the amount you use when making the purchase corresponds to a loan granted by the Mortgage Bank.

Reason why, it is important that you are clear about your financial needs, before proceeding to Apply for the Banco Hipotecario Visa Card. As well as, if it adapts to your requirements and you meet the requirements to grant it. In the next section we will detail the benefits offered by each one.

Benefits of Applying for the Banco Hipotecario Visa Card

For the aforementioned, you should already know the existence of different types of Banco Hipotecario Visa Cards. Now, we want you to know everything about the Benefits that they offer you. Reason why, below we detail everything that implies being the owner of them, in a very simple and understandable way.

Debit cards

  • Withdrawal / Advancement: to withdraw cash in pesos or dollars, selecting the account you want.
  • Queries: to obtain all the information on balances, latest movements of your accounts and expiration of your utility bills.
  • Passwords: to generate and modify the passwords of your accounts.
  • Deposits: to deposit cash or checks.
  • Fund transfers: to transfer funds between your own accounts and third party accounts in other Banks.

Visa credit cards

International Classic

  • Additional cards free of charge.
  • Get your Digital Summary.
  • You participate in Búho Puntos, the program that rewards your shopping.
  • Home Banking to access all the information on your card.
  • Cash advances of up to $ 40,000
  • National and international acceptance.

Gold

  • Additional cards free of charge.
  • Digital abstract.
  • You participate in Búho Puntos, the program that rewards your purchases.
  • Home Banking to access all the information on your card.
  • Traveler assistance free of charge.
  • Rented car insurance.
  • Replacement abroad, so that you can recover your card in 24 to 48 business hours.
  • National and international acceptance.
  • Cash advances.

Plus Airlines

  • It allows you to add miles with your consumption to exchange them for air tickets.
  • You add one mile for every dollar or its equivalent in consumption pesos.

Signature

  • Visa Luxury Collection: exclusive benefits in the best hotels in the world.
  • Priorirty Pass: Access to more than 700 airport VIP lounges, regardless of the airline chosen to make the trip.
  • Additional cards free of charge.
  • Digital abstract.
  • You participate in Búho Puntos, the program that rewards your purchases.
  • Home Banking to access all the information on your card.
  • Traveler assistance free of charge.
  • Rented car insurance.
  • Replacement abroad, so that you can recover your card in 24 to 48 business hours.
  • National and international acceptance.
  • Cash advances.
  • Personal assistant.
  • Protected Purchase.
  • Exclusive service center.

Liberty

  • It allows to be used for consumption in any of the Stands that are located inside the Libertad Hypermarkets.

Platinum

  • Additional cards free of charge.
  • Digital abstract.
  • You participate in Búho Puntos, the program that rewards your purchases.
  • Home Banking to access all the information on your card.
  • Traveler assistance free of charge.
  • Rented car insurance.
  • Replacement abroad, so that you can recover your card in 24 to 48 business hours.

Charges and commissions

On the other hand, we are going to detail the charges and commissions most common that are made by owning any of the previously named cards. All this, with the purpose that you take your forecasts when opting for this type of financing.

  • Maintenance cost: $ 491.26
  • Renewal fee: $ 6,497.23
  • Replacement cost: $ 605
  • Renewal cost bonus for salary accreditation
  • Cost for Loyalty: $ 4,497 + VAT

Likewise, you should know that the Financial Cost Annual Nominal Rate (CFTNA) is the percentage that reflects the annual cost of credit provided by the Card. As well as, the expenses, insurance and taxes that are settled in your summary. It is calculated with the sum of the Annual Nominal Rate (TNA) and all those charges previously mentioned.

Likewise, the financing interest is the charge that is settled when a balance remains without pay in the summary of your Credit Card. And, it is calculated by applying an Interest Rate (TNA) established by the bank to the unpaid balance. This calculation is performed in the form automatic and will be detailed in the following summary.

Requirements to Apply for the Banco Hipotecario Visa Card

Before finishing this article, we are going to talk to you about the requirements or documentation you need to Apply for the Mortgage Bank Visa Card. It is important that, before deciding how to carry out the application of your card in the Mortgage Bank meet these requirements.

  • Valid Argentine DNI
  • Over 18 years old and under 80 years old
  • Requires credit analysis
  • You must earn a minimum income of $ 14,500
  • Requires Argentine residency
  • In some cases, you need supporting documentation (pay stubs and employment certification, and / or proof of gross income, self-employment and registration)
  • Requires minimum work seniority of 6 months to 3 years, depending on the type of employment.

It is important to note that the requirements described above are the most common in the different types of cards. That is, each card can require documents different or additional to those previously mentioned. We recommend you inquire according to your needs.

How to Apply for the Banco Hipotecario Visa Card?

By the end of this writing, you should be aware of the issues Banco Hipotecario Visa Cards and its relevance. Which is basically obtaining money that can be used for any of your needs. Now we will describe the different ways you have to apply for these cards:

Through the Online system
  • You can register as a client without having to go to the Bank to sign any paper. For this, you only need to have your ID and a mobile device such as cell phone or tablet at hand.
  • During the process they come to ask you for photos of the front and back of the DNI and some selfies to be sure that you are the one customer and thus be able to register the products.
  • Then you will receive the cards at your home or at a Bank Branch, whichever is more convenient for you.
At the branch
  • If you decide to do it in person, you should go to the Banco Hipotecario branches that are most convenient for you.
  • Before doing so, you should inquire with accuracy the address and hours in which they serve the public, as well as, you must make an appointment in advance.

We hope you get your Card successfully!

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