Hoje - Cartão is a free Android app developed by HS Financeira that offers a credit card with several advantages for those who live in the present. With this app, users can request their card and enjoy up to 40 days to pay. The card bears the VISA emblem, and it can be used nationally and internationally. The app offers special installment conditions for purchases made at iPlace and taQi stores.

The app is designed to provide users with everything they need to make their financial life more practical and accessible. It features several functionalities, including a virtual credit card that can be generated through the app for secure online purchases. Users can also request an increase in their pre-approved credit limit without contacting the central. The app also offers a differentiated limit for iPlace HOJE, providing clients with the latest iPhone generation. Users can organize their finances by using the app to pay their bills or even request a personal loan. The app also offers the iPlace HOJE program, which allows users to upgrade their iPhone model every 24 months by paying only 70% of the total value in installments.