# Nio Digital

> Secured credit card for affiliated users with no annual fee and reduced interest. (iPhone/iPad app by Nio Digital.)

- Source: https://appshunter.io/ios/app/nio-digital/id1634815541 (this page in markdown: same URL + `.md`)
- Developer: [Nio Digital](https://appshunter.io/developer/1634815543)
- Category: Finance, Business
- Price: Free
- Rating: 4.50/5 from 2 App Store ratings
- Age rating: 4+
- Requires: iOS 15.5 · 43 MB
- Languages: American English
- Released: 2022-08-27
- Data updated: 2026-08-27
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/nio-digital/id1634815541/reviews.md

## What is Nio Digital?

Cartão de crédito consignado NIO
Sem anuidade
Juros Reduzidos
Exclusivo para Conveniados
Disponível para Negativados
Programa de Benefícios Mastercard Surpreenda
Pagamento Mínimo de Fatura com desconto em folha

## Key features

- Secured credit card
- No annual fees
- Reduced interest rates
- Exclusive for affiliated users
- Available for negative credit
- Mastercard Surpreenda benefits


## Frequently asked questions about Nio Digital

### What is Nio Digital?

Nio Digital provides a secured credit card with no annual fees and reduced interest rates. It is exclusively available for affiliated users and can be obtained even with a negative credit history.

### Is Nio Digital free to use?

Yes, Nio Digital is available for free. The app itself does not have a cost, and the credit card it offers has no annual fees.

### What are the benefits of the Nio Digital credit card?

The Nio Digital credit card offers no annual fees, reduced interest rates, and access to the Mastercard Surpreenda benefits program. It also allows for minimum bill payment with a discount deducted from payroll.

### Who is eligible for the Nio Digital credit card?

Eligibility is restricted to affiliated users. It is specifically designed to be available for individuals with negative credit, making it accessible to a wider audience.

### What devices does Nio Digital support?

Nio Digital is available on iPhone, iPad, and iPod devices. It is designed for iOS users.

### How often is Nio Digital updated?

The latest version of Nio Digital is 4.3.0, last updated on June 3, 2026. This indicates a recent update, suggesting the app is actively maintained.

### What is the age rating for Nio Digital?

Nio Digital has an age rating of 4+. This means it is considered suitable for users of all ages, with no content restrictions.

### Does Nio Digital have ads?

No, Nio Digital does not contain advertisements. The app is ad-free, ensuring a clean user experience.

## Version history (last 5 releases)

### 4.6.0 — 2026-08-17

Melhoria no fluxo de contestação de compra

### 4.4.0 — 2026-07-14

Melhoria na usabilidade do aplicativo

### 4.3.0 — 2026-06-03

- Melhorias de segurança
- Controle de utilização do cartão

### 4.2.0 — 2026-03-30

Melhoria na visualização da fatura

### 4.1.0 — 2025-12-09

Melhoria na performance do APP

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*