{"id":40979,"date":"2026-03-31T08:59:28","date_gmt":"2026-03-31T07:59:28","guid":{"rendered":"https:\/\/www.lica.ch\/?p=40979"},"modified":"2026-03-31T10:10:15","modified_gmt":"2026-03-31T09:10:15","slug":"cartao-de-credito-gratuito-com-a-oferta-certo-one-mastercard-by-lica","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/pt\/carte-de-credit\/carte-de-credit-gratuite-avec-loffre-certo-one-mastercard-by-lica\/","title":{"rendered":"Cart\u00e3o de cr\u00e9dito gratuito com a Certo! One Mastercard<sup>\u00ae<\/sup> por Lica\u2026"},"content":{"rendered":"<p>Procura um cart\u00e3o de cr\u00e9dito gratuito na Su\u00ed\u00e7a, mas quer tamb\u00e9m compreender os custos poss\u00edveis. Essa \u00e9 uma boa abordagem. Na pr\u00e1tica, \u201cgratuito\u201d significa sobretudo sem anuidade, sujeito a condi\u00e7\u00f5es e ao seu uso.<\/p>\n\n\n\n<p class=\"translation-block\">Neste guia, ver\u00e1 o essencial sobre a Certo! One Mastercard<sup>\u00ae<\/sup> by Lica. Vai descobrir as suas vantagens, os custos que podem ser aplicados, as condi\u00e7\u00f5es de obten\u00e7\u00e3o e as etapas para a pedir. No final, ficar\u00e1 com dicas simples para manter o or\u00e7amento sob controlo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">O que significa realmente um cart\u00e3o de cr\u00e9dito gratuito na Su\u00ed\u00e7a<\/h2>\n\n\n\n<p>Um cart\u00e3o de cr\u00e9dito gratuito geralmente significa sem taxas anuais. No entanto, um cart\u00e3o raramente \u00e9 \u201ctotalmente gratuito\u201d. Alguns custos dependem do seu comportamento e do tipo de transa\u00e7\u00e3o.<\/p>\n\n\n\n<p>Os postos mais frequentes na Su\u00ed\u00e7a s\u00e3o os juros se pagar parcialmente, as taxas relacionadas com moedas, os levantamentos em dinheiro nos <a href=\"https:\/\/www.touchdisplays-tech.com\/fr\/news\/what-is-the-difference-between-atm-and-pos-terminal\/\" type=\"link\" id=\"https:\/\/www.touchdisplays-tech.com\/fr\/news\/what-is-the-difference-between-atm-and-pos-terminal\/\" target=\"_blank\" rel=\"noreferrer noopener\">Caixa Multibanco<\/a>, e as taxas em caso de atraso. Por vezes, servi\u00e7os opcionais tamb\u00e9m podem ser cobrados.<\/p>\n\n\n\n<p>Esta transpar\u00eancia protege-o. Ajuda a evitar surpresas e a preservar <a href=\"https:\/\/www.lica.ch\/pt\/solvabilidade\/verificar-a-sua-solvabilidade-antes-de-pedir-um-credito\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/solvabilite\/verifier-sa-solvabilite-avant-de-demander-un-credit\/\">a sua solv\u00eancia<\/a>. Para al\u00e9m disso, limita o risco de contrair inadvertidamente um cr\u00e9dito dispendioso.<\/p>\n\n\n\n<h2 class=\"wp-block-heading translation-block\">Certo! One Mastercard<sup>\u00ae<\/sup> by Lica: o essencial da oferta num relance<\/h2>\n\n\n\n<p class=\"translation-block\">A Certo! One Mastercard<sup>\u00ae<\/sup> by Lica posiciona-se como um cart\u00e3o de cr\u00e9dito gratuito, ou seja, sem anuidade. Baseia-se na rede Mastercard, \u00fatil na Su\u00ed\u00e7a e no estrangeiro.<\/p>\n\n\n\n<p>Pode utiliz\u00e1-la na loja e online. Responde \u00e0s necessidades atuais, como o <a href=\"https:\/\/www.lica.ch\/pt\/cartao-de-credito\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/carte-de-credit\/\">pagamento sem contacto<\/a>. Conforme a disponibilidade, pode tamb\u00e9m integrar-se em solu\u00e7\u00f5es de pagamento m\u00f3vel. A gest\u00e3o \u00e9 feita de forma digital, o que simplifica o acompanhamento.<\/p>\n\n\n\n<p>\u00c9 particularmente pr\u00e1tica para as compras do dia a dia, o com\u00e9rcio eletr\u00f3nico e certas reservas como hotel ou aluguer de carro.<\/p>\n\n\n\n<h2 class=\"wp-block-heading translation-block\">Vantagens concretas no dia a dia com a Certo! One Mastercard<sup>\u00ae<\/sup> by Lica<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Aceita\u00e7\u00e3o Mastercard alargada, mais simplicidade para pagar na Su\u00ed\u00e7a e noutros locais.<\/li>\n\n\n\n<li>Pagamentos online mais tranquilos gra\u00e7as aos padr\u00f5es de seguran\u00e7a do mercado, como a autentica\u00e7\u00e3o forte sempre que aplic\u00e1vel.<\/li>\n\n\n\n<li>Melhor controlo de custos se liquidar o saldo integralmente. Este \u00e9 frequentemente o ponto chave de um cart\u00e3o de cr\u00e9dito gratuito \u00fatil no dia a dia.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Custos potenciais: o que \u00e9 gratuito e o que pode ter custos dependendo do uso<\/h2>\n\n\n\n<p>Um cart\u00e3o de cr\u00e9dito gratuito (sem anuidade) mant\u00e9m-se associado a poss\u00edveis taxas consoante a utiliza\u00e7\u00e3o. Para obter informa\u00e7\u00f5es atualizadas, consulte sempre as condi\u00e7\u00f5es de tarifas oficiais.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>O que \u00e9 gratuito: anuidade a 0\u20ac, e um percurso de gest\u00e3o online pensado para ser simples.<\/li>\n\n\n\n<li>Aquilo que pode custar: <a href=\"https:\/\/www.lica.ch\/pt\/credito-pessoal\/criterios-que-determinam-a-taxa-de-juros-do-seu-credito\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-personnel\/les-criteres-qui-determinent-le-taux-d-interet-de-votre-credit\/\">interesses <\/a>se pagamento parcial, taxas em moeda estrangeira em compras no estrangeiro, levantamentos em numer\u00e1rio e <a href=\"https:\/\/www.lica.ch\/pt\/credito-com-cashback\/cashback-partilha-de-comissao\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-avec-cashback\/cashback-partage-de-commission\/\">Comiss\u00f5es<\/a>, encargos em caso de atraso ou de alerta, bem como determinados servi\u00e7os como a substitui\u00e7\u00e3o de cart\u00e3o, conforme o caso.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Exemplos simples de custos para evitar surpresas desagrad\u00e1veis<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pagamento total vs parcial: se pagar a totalidade, limita os juros. Se pagar uma parte, o saldo poder\u00e1 gerar juros.<\/li>\n\n\n\n<li>Compra em CHF versus em moeda: em moeda, podem aplicar-se uma taxa de c\u00e2mbio e taxas associadas \u00e0 convers\u00e3o.<\/li>\n\n\n\n<li>Levantamento de dinheiro: levantar dinheiro com um cart\u00e3o de cr\u00e9dito acarreta frequentemente uma comiss\u00e3o e custos mais elevados.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Condi\u00e7\u00f5es para obter o seu cart\u00e3o de cr\u00e9dito gratuito<\/h2>\n\n\n\n<p>Tal como acontece com qualquer cart\u00e3o, o emissor verifica a sua situa\u00e7\u00e3o. As condi\u00e7\u00f5es t\u00edpicas dizem respeito \u00e0 idade, resid\u00eancia na Su\u00ed\u00e7a e rendimentos suficientes. A situa\u00e7\u00e3o profissional tamb\u00e9m pode contar, seja assalariado ou independente, bem como o tipo de autoriza\u00e7\u00e3o de resid\u00eancia se n\u00e3o for su\u00ed\u00e7o.<\/p>\n\n\n\n<p>Um controlo de solvabilidade \u00e9 geralmente efetuado. Na Su\u00ed\u00e7a, refer\u00eancias como a ZEK ou a IKO podem ser tomadas em considera\u00e7\u00e3o. Por vezes, podem ser solicitados comprovativos. Evite tamb\u00e9m <a href=\"https:\/\/www.lica.ch\/pt\/credito-pessoal\/porque-nunca-fazer-varios-pedidos-de-credito-ao-mesmo-tempo\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-personnel\/pourquoi-ne-jamais-faire-plusieurs-demandes-de-credit-en-meme-temps\/\">multiplicar os pedidos<\/a> ao mesmo tempo. Isto pode complicar a an\u00e1lise.<\/p>\n\n\n\n<h2 class=\"wp-block-heading translation-block\">Como pedir a Certo! One Mastercard<sup>\u00ae<\/sup> by Lica<\/h2>\n\n\n\n<p>Para encomendar um cart\u00e3o de cr\u00e9dito gratuito, o mais simples \u00e9 seguir o link. Preenche o formul\u00e1rio e envia as informa\u00e7\u00f5es solicitadas. <a href=\"https:\/\/www.lica.ch\/pt\/credito-pessoal\/quais-documentos-sao-necessarios-para-obter-um-credito\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-personnel\/quels-sont-les-documents-necessaires-pour-obtenir-un-credit\/\">documentos<\/a> podem ser exigidos, como um documento de identifica\u00e7\u00e3o e informa\u00e7\u00f5es sobre os seus rendimentos.<\/p>\n\n\n\n<p>De seguida, o dossi\u00ea \u00e9 verificado, ap\u00f3s o que o cart\u00e3o \u00e9 enviado e ativado de acordo com o processo previsto. Para maximizar as suas hip\u00f3teses, forne\u00e7a informa\u00e7\u00f5es exatas. E escolha um or\u00e7amento coerente com a sua situa\u00e7\u00e3o.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Escolher bem o seu cart\u00e3o de cr\u00e9dito gratuito<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Elemento<\/th><th class=\"has-text-align-left\" data-align=\"left\">O que \u00e9 \u00abgr\u00e1tis\u00bb (geralmente)<\/th><th class=\"has-text-align-left\" data-align=\"left\">O que pode custar consoante o uso<\/th><th class=\"has-text-align-left\" data-align=\"left\">Bom reflexo or\u00e7amental (Su\u00ed\u00e7a)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Taxas anuais<\/td><td class=\"has-text-align-left\" data-align=\"left\">0 CHF\/an (carte dita \u00ab gratuita \u00bb)<\/td><td class=\"has-text-align-left\" data-align=\"left\">Nada se as condi\u00e7\u00f5es forem respeitadas<\/td><td class=\"has-text-align-left\" data-align=\"left\">Verificar a tarifa oficial e a aus\u00eancia de pacotes pagos<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Pagamento da fatura<\/td><td class=\"has-text-align-left\" data-align=\"left\">Custo controlado se pagamento integral no prazo de vencimento<\/td><td class=\"has-text-align-left\" data-align=\"left\">Juros em caso de pagamento parcial (revolving) ou saldo em d\u00edvida<\/td><td class=\"has-text-align-left\" data-align=\"left\">Pagar 100% quando poss\u00edvel; evitar parcelamentos de valores elevados<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Compras na Su\u00ed\u00e7a (CHF)<\/td><td class=\"has-text-align-left\" data-align=\"left\">Utiliza\u00e7\u00e3o comum em loja \/ online<\/td><td class=\"has-text-align-left\" data-align=\"left\">Poss\u00edveis custos em caso de atraso (relembrete) se fatura n\u00e3o paga<\/td><td class=\"has-text-align-left\" data-align=\"left\">Ativar alertas e d\u00e9bito\/ordem permanente para evitar atrasos<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Comprar no estrangeiro \/ em moeda estrangeira<\/td><td class=\"has-text-align-left\" data-align=\"left\">Aceita\u00e7\u00e3o Mastercard (\u00fatil em viagens)<\/td><td class=\"has-text-align-left\" data-align=\"left\">Encargos de convers\u00e3o\/taxas de c\u00e2mbio aplicados pelo emitente\/rede<\/td><td class=\"has-text-align-left\" data-align=\"left\">Pagar na moeda local e comparar as condi\u00e7\u00f5es de \u00abFX\u00bb antes de partir<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Levantamentos em numer\u00e1rio (Caixa Autom\u00e1tico)<\/td><td class=\"has-text-align-left\" data-align=\"left\">Poss\u00edvel, mas raramente vantajoso<\/td><td class=\"has-text-align-left\" data-align=\"left\">Comiss\u00e3o de resgate + juros potencialmente a partir do resgate<\/td><td class=\"has-text-align-left\" data-align=\"left\">Privilegiar cart\u00e3o de d\u00e9bito\/conta; limitar levantamentos com cart\u00e3o de cr\u00e9dito<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Seguran\u00e7a &amp; e-commerce<\/td><td class=\"has-text-align-left\" data-align=\"left\">Normas de seguran\u00e7a (ex. valida\u00e7\u00e3o refor\u00e7ada consoante o caso)<\/td><td class=\"has-text-align-left\" data-align=\"left\">Custos indiretos em caso de lit\u00edgio mal gerido (atrasos, comprovativos)<\/td><td class=\"has-text-align-left\" data-align=\"left\">Conservar confirma\u00e7\u00f5es, ativar notifica\u00e7\u00f5es, verificar regularmente as opera\u00e7\u00f5es<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Condi\u00e7\u00f5es de obten\u00e7\u00e3o<\/td><td class=\"has-text-align-left\" data-align=\"left\">Pedido online e gest\u00e3o digital<\/td><td class=\"has-text-align-left\" data-align=\"left\">Recusa poss\u00edvel mediante solvabilidade (ZEK\/IKO) e situa\u00e7\u00e3o pessoal<\/td><td class=\"has-text-align-left\" data-align=\"left\">Evitar multiplicar os pedidos; fornecer informa\u00e7\u00f5es exatas<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Quando preferir um cr\u00e9dito pessoal<\/td><td class=\"has-text-align-left\" data-align=\"left\">Cart\u00e3o adaptado para despesas correntes e de curto prazo<\/td><td class=\"has-text-align-left\" data-align=\"left\">O reembolso parcelado no cart\u00e3o pode ficar caro devido aos juros.<\/td><td class=\"has-text-align-left\" data-align=\"left\">Para um montante importante a longo prazo: comparar um cr\u00e9dito privado (custo total)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Para que perfis \u00e9 mais interessante este cart\u00e3o de cr\u00e9dito gratuito<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Jovem trabalhador ou estudante: \u00fatil para compras online e acompanhamento, desde que pague a tempo.<\/li>\n\n\n\n<li>Fam\u00edlia: pr\u00e1tica para despesas correntes e reservas, com flexibilidade de pagamento.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.lica.ch\/pt\/credito-viagem\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-voyage\/\">Viajante<\/a> : interessante para a aceita\u00e7\u00e3o, mas aten\u00e7\u00e3o \u00e0s moedas e aos levantamentos em dinheiro.<\/li>\n\n\n\n<li>Comprador online: \u00fatil para subscri\u00e7\u00f5es e pagamentos, com controlos de seguran\u00e7a.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.lica.ch\/pt\/credito-independente\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-independant\/\">Independente<\/a> : pode ajudar a separar certas despesas, dependendo da sua organiza\u00e7\u00e3o e necessidades.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Boas pr\u00e1ticas para aproveitar o gratuito sem cair no cr\u00e9dito dispendioso<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pagar idealmente a fatura integralmente e a tempo.<\/li>\n\n\n\n<li>Defina limites e acompanhe as suas despesas regularmente.<\/li>\n\n\n\n<li>Antecipe as despesas no estrangeiro e limite os levantamentos em numer\u00e1rio se estes forem dispendiosos.<\/li>\n\n\n\n<li>Evitar atrasos para reduzir custos e <a href=\"https:\/\/www.lica.ch\/pt\/solvabilidade\/verificar-a-sua-solvabilidade-antes-de-pedir-um-credito\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/solvabilite\/verifier-sa-solvabilite-avant-de-demander-un-credit\/\">proteger a sua solvabilidade<\/a>.<\/li>\n<\/ul>\n\n\n\n<p>Estes h\u00e1bitos ajudam a usar um cart\u00e3o de cr\u00e9dito gratuito de forma respons\u00e1vel, sem derrapagens.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cart\u00e3o de cr\u00e9dito vs cr\u00e9dito privado na Su\u00ed\u00e7a: quando escolher o qu\u00ea<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.lica.ch\/pt\/cartao-de-credito\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/carte-de-credit\/\">Um cart\u00e3o \u00e9 adequado para despesas<\/a> correntes e \u00e0 flexibilidade a curto prazo. Por outro lado, se tiver de financiar um montante significativo por um prazo definido, um cr\u00e9dito privado pode ser mais racional. A\u00ed compara ofertas, um montante, um prazo e o custo total.<\/p>\n\n\n\n<p>Se estiver nesse caso, consulte um guia <a href=\"https:\/\/www.lica.ch\/pt\/lica\/comparador-de-credito-pessoal-neutro-e-independente\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/lica\/le-comparateur-de-credit-prive-neutre-et-independant\/\">comparatif cr\u00e9dit priv\u00e9<\/a> antes de decidir. Isto evita pagar caro atrav\u00e9s de um reembolso a presta\u00e7\u00f5es no cart\u00e3o.<\/p>\n\n\n\n<h2 class=\"wp-block-heading translation-block\">A nossa conclus\u00e3o sobre a Certo! One Mastercard<sup>\u00ae<\/sup> by Lica<\/h2>\n\n\n\n<p class=\"translation-block\">A Certo! One Mastercard<sup>\u00ae<\/sup> by Lica re\u00fane o essencial esperado de um cart\u00e3o de cr\u00e9dito gratuito na Su\u00ed\u00e7a, com anuidade de 0. Continua simples de utilizar e adequada a muitos tipos de utiliza\u00e7\u00e3o.<\/p>\n\n\n\n<p>Tenha, no entanto, em mente tr\u00eas pontos de aten\u00e7\u00e3o: juros em caso de pagamento parcial, taxas em moeda estrangeira e custos poss\u00edveis em levantamentos de numer\u00e1rio. Se isto lhe convier, o pr\u00f3ximo passo \u00e9 claro: encomendar o cart\u00e3o online e utiliz\u00e1-lo com m\u00e9todo.<\/p>\n\n\n\n<p>E se a sua necessidade ultrapassar as despesas comuns, um <a href=\"https:\/\/www.lica.ch\/pt\/credito-pessoal\/\" type=\"link\" id=\"https:\/\/www.lica.ch\/credit-personnel\/\">cr\u00e9dito pessoal<\/a> \u00e9 certamente uma op\u00e7\u00e3o mais adequada.<\/p>","protected":false},"excerpt":{"rendered":"<p>Vous cherchez une carte de cr\u00e9dit gratuite en Suisse, mais vous voulez aussi comprendre les co\u00fbts possibles. C\u2019est une bonne approche. En pratique, \u201cgratuite\u201d signifie surtout sans frais annuels, sous r\u00e9serve des conditions et de votre usage. Dans ce guide, vous verrez l\u2019essentiel sur la Certo! One Mastercard\u00ae by Lica. Vous d\u00e9couvrirez ses avantages, les [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":40983,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40],"tags":[],"class_list":["post-40979","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-carte-de-credit"],"_yoast_wpseo_focuskw":"Carte de cr\u00e9dit gratuite","_yoast_wpseo_title":"Carte de cr\u00e9dit gratuite avec la Certo! One Mastercard\u00ae by Lica","_yoast_wpseo_metadesc":"Carte de cr\u00e9dit gratuite avec Certo! One Mastercard\u00ae by Lica. D\u00e9couvrez une offre unique qui s\u00e9duit par ses avantages.","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Carte de cr\u00e9dit gratuite avec la Certo! One Mastercard\u00ae by Lica<\/title>\n<meta name=\"description\" content=\"Carte de cr\u00e9dit gratuite avec Certo! One Mastercard\u00ae by Lica. D\u00e9couvrez une offre unique qui s\u00e9duit par ses avantages.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lica.ch\/pt\/cartao-de-credito\/cartao-de-credito-gratuito-com-a-oferta-certo-one-mastercard-by-lica\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Carte de cr\u00e9dit gratuite avec la Certo! 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