Flex card: what it is, advantages and disadvantages
Find out now everything about what a flex card is, its advantages and disadvantages, and choose yours!
Have you ever wondered how flexible benefits can change the way companies attract and retain talent?
In short, cards like the Ticket Flex and the Super Flex Ticket are gaining prominence. They offer advantages that go beyond traditional benefits.
So why are so many companies adopting the benefits model flexible?
This even includes exemptions from social charges and ease of hiring.
Therefore, flex cards offer benefits that make life easier for employers and employees.
Let’s explore these advantages and disadvantages to understand how they can impact your company and your employees.
Flexible cards like the Ticket Flex They offer nationwide coverage and free Wi-Fi at millions of locations. They also have positive reviews from experts, with a final score of 3.6. In addition, they have more than 570 thousand acceptance points to receive payments through VR Alimentação and VR Refeição, standing out for their wide acceptance.
Main Points
- Flexibility of benefits influences the attraction and retention of talent.
- Exemptions from social charges make the flexible card attractive to companies.
- Ticket Flex and Super Flex Ticket are different in terms of additional flexibility.
- Free Wi-Fi and 24-hour assistance are some of the benefits offered.
- More than 570 thousand acceptance points for VR Alimentação and VR Refeição.
What is the flex card?
In principle, the flex card is a benefits model which gives you the freedom to choose where to spend. Employees can use their balances in restaurants and supermarkets.
In fact, this brings more financial flexibility, allowing purchases that meet everyone’s needs.
This way, cards like the Food Ticket and the Restaurant Ticket are widely used.
In short, they encourage the choice of quality foods.
Ticket offers the Ticket Flex, which combines several benefits in a single card. This makes management easy for companies and gives employees more options.
With the flex card, employees can better manage their expenses. This improves their well-being and productivity at work.
Furthermore, this benefit model meets the needs of each person, making the experience more personalized and enjoyable.
How does the flex card work?
The flex card is a benefit that combines several balances on a single card. This gives you more freedom of choice to employees. They can use the money in various categories, such as Food and Meals.
Use the card it's easy.
For example, employees can buy food in supermarkets and eat in restaurants. Sem Parar Empresas, with over 40 years of experience, offers the FLEX Card.
This way, it gives access to more than 570 thousand stores across the country.
The Sem Parar Empresas FLEX Card comes with two cards: Meal and Food. This makes everything easier and more efficient. In addition, the company offers many benefits, such as psychological and financial guidance, and discounts at the Sempre Bem Club.
In short, the card works well even when the employee is on vacation or leave. The unified balance remains active. This makes the card usage more flexible and practical.
With this, the company manages to keep employees happy and loyal.
Read too: How to Apply for the Tangerine Money-Back Credit Card
Main advantages of the flex card
At first, the flex card brings financial advantages for companies and benefits for employees. It allows you to choose the benefits that interest you most.
For example, a study by Fractl shows that 571% of people seek employment because of the benefits.
In short, about 80% find these benefits as good as a pay raise.
In fact, a big point is the worker's choice of the benefits he needs most.
O Benê Flexible Card is accepted in many places, such as supermarkets and restaurants. This at no extra cost to the company.
Benê says that the food voucher can be used in several stores, improving health and well-being.
Thus, meal vouchers offer many options and are accepted in many places.
The transportation voucher also helps employees get to work. It can be recharged when necessary.
In addition, there are also health and dental plans, as well as assistance with gyms and therapies.
The cultural voucher gives access to cultural events and leisure.
In fact, home office assistance helps those who work from home to purchase equipment and furniture.
THE Cashew startup It started in 2020 and already has 50,000 users and 1,000 companies. With just one card, workers can spend in several ways. It is accepted in more than 2.5 million places.
Ultimately, these benefits are legal and bring advantages to companies and workers. Personalization and financial advantages make the flex card a great choice.
Disadvantages of flex card
O flex card brings many benefits, but also disadvantages.
In this sense, a major concern is the labor risks.
For example, managing the flexible benefits requires a HR planning rigorous, which can be difficult for some.
Additionally, there may be benefits controversy. This happens when employees don’t understand the value of benefits or feel they don’t meet their needs.
In short, it is important that HR explains the options well and how to adjust them.
O HR planning need to deal with differences between employees. For example, the Flex Link offers benefits such as automotive and shopping benefits. Changing these benefits every three months can be a challenge for HR. It is crucial to avoid labor risks due to employee dissatisfaction.
Finally, despite the benefits, managing flexible cards well requires attention. This helps you get the most out of them and minimize problems.
Ticket Flex Card: benefits and features
Here, the Ticket Flex is an innovative card that brings unified benefits for employees.
It combines food and meals in one place. This way, employees can choose where and how to use their benefits.
O Ticket Flex is accepted in more than 455,000 accredited establishments throughout Brazil.
It is secure, with a password-protected chip card. This makes transactions safe.
The values loaded in the Ticket Flex are valid for 90 days. This helps you make the most of the benefits. The card is valid for 10 years, ensuring durability and reliability.
In short, the Ticket Flex It is easy to use.
Users can even check their balance, change their password and request a new card through an app. This makes benefits management simpler.
For example, using the Ticket Flex as a meal benefit brings tax exemptions. This includes exemption from charges such as FGTS and INSS.
In other words, this is good for companies and employees.
Ticket offers a card multibenefit with several advantages, this includes food, home office, education and well-being.
This also gives more freedom and improves expense management. This increases employee motivation and productivity.
“Offering a benefits card for home office can help increase employee productivity, resulting in greater motivation, concentration and efficiency.”
In short, the Ticket Flex is a complete solution for the benefits management. It helps businesses stand out and attract customers.
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Differences between Ticket Flex and Super Flex
When you search compare benefits between Ticket Flex and Super Flex, it is crucial to understand their differences.
Ticket Flex combines food and restaurant services in one card, allowing use in supermarkets and restaurants.
In turn, the Super Flex Ticket goes further, offering more coverage.
O Super Flex Ticket It is special because it includes home office, welfare and education expenses.
In this sense, it also maintains the advantages of Food Ticket and of the Restaurant Ticket.
In other words, this attracts companies that want to support their employees in several areas.
A great advantage of Super Flex Ticket is its validity of 10 years.
In short, this ensures durability and convenience. It is also compatible with the Worker Food Program (PAT), following important rules such as Decree No. 10,854.
O Ticket Flex It is also valid for 10 years and allows the use of the credited amounts within 180 days. The maintenance of these benefits during vacations or leave depends on the employer and can be agreed upon in collective agreements.
In short, choosing between Ticket Flex and Super Flex depends on the needs of your company and employees. Ticket Flex is good for direct feeding. Super Flex Ticket offers more, such as home office expenses and education. It is a good option for companies that want broader and more flexible support.
Flexible cards in the Brazilian market
The Brazilian flexible card market is growing rapidly. It offers solutions such as Flex Link, from the Elo flag. These cards allow you to create customized benefits packages, meeting various needs.
The Sem Parar Empresas FLEX Card is accepted in more than 570 thousand locations. This includes markets, restaurants and coffee shops. It combines food voucher and meal voucher on a single card, making things easier for employees.
Sem Parar Empresas offers an efficient financial solution at no extra cost. And it facilitates payments with QR Code, payment link and digital card. This modernizes transactions, bringing more flexibility and convenience.
The Brazilian market of flexible benefits generates around R$150 billion annually. This benefits around 23.4 million workers. The segment is expected to grow at a CAGR of R$9.551 billion through 2028, which could increase to US$6.99 billion.
Despite the growth, there are challenges. More than a third of workers (36%) are dissatisfied with their current Food Voucher and Meal Voucher cards. They are looking for more comprehensive alternatives. Problems such as lack of acceptance in all establishments (38%), quality of services (18%) and lack of innovation (39%) are frequent.
O Flex Link is a promising solution. It offers customized benefits packages and adapts to the needs of employees. This shows the potential of flexible cards in the Brazilian market.
How to choose the best flex card for your company
Choosing the ideal flex card for your company is essential to improve your employee benefits and align with the HR strategies. More than 5 million stores accept the flexible Mastercard card. This brings great flexibility and convenience to your business.
First, conduct an internal survey to find out what employees want most. This could include anything from cultural vouchers to benefits such as food and healthcare. The Creditas Benefits platform helps you manage these benefits easily.
It is important to consider the diversity of benefits when choosing a card. Cards such as the O2 PLUS CARD are accepted in many stores, including supermarkets and bakeries. The Creditas Card is a good choice for companies that want to flexible benefits.
Another crucial point is the card's compatibility with the company's policies and financial viability. Companies that participate in the Workers' Food Program (PAT) can be exempt from social security contributions and have their income tax deducted. This makes this a financially smart choice.
Flexible benefits help retain talent and increase employee engagement. They offer convenience with digital balance and expense management. By aligning these choices with the HR strategies, you improve employee satisfaction and create a better working environment.
See also: Customer loyalty campaign: what it is and how to do it
Legal aspects and regulations
Adopting flexible cards, such as the Sem Parar Empresas FLEX Card, requires attention to legal aspects. Companies must follow the Consolidation of Labor Laws (CLT). They must also enter into Collective Labor Agreements (ACT) to offer benefits safely.
A major concern is to prevent card benefits from being seen as part of the salary. This can be done clearly in the contract and in communication. It is important to show that the amounts added to the cards are an extra benefit, not part of the salary.
The Workers' Food Program (PAT) helps more than 21 million people in Brazil. It is very important for companies with more than a thousand employees. Companies that opt for the Real Profit regime can receive a tax benefit of 4% on what they pay their employees.
Using branded cards offers more options of places to use the benefit. This eliminates medical charges of 6%. This gives more freedom to companies and employees.
A new regulation allows the transfer of balances between cards from different PAT operators. However, this change is still awaiting regulation by the Ministry of Labor. PAT companies cannot charge fees that are not charged as “negative fees” or “rebates”. This brings more transparency and equity to the benefits offered.
