Brazil premium-card market tightens rules, adds perks

Claims

What the coverage asserts, and how many sources carry each claim.

• [● 22 SOURCES] Brazilian banks use an internal “rating bancário” distinct from public credit scores to evaluate customers.
• [● 13 SOURCES] Itaú Unibanco launched the Personnalité World Legend Mastercard, described as the most exclusive card in the Personnalité portfolio.
• [● 13 SOURCES] The World Legend card features a minimalist design with a light‑colored surface and small particles.
• [● 13 SOURCES] The card is supplied in a premium box with a fabric‑like coating and the phrase “Pra todos os seus feitos.” engraved on it.
• [● 13 SOURCES] The World Legend Mastercard targets high‑income customers with travel, experience and service benefits.
• [● 13 SOURCES] The card includes a chip and the Mastercard logo on its front.
• [● 6 SOURCES] A higher internal rating improves a client’s chances of obtaining premium cards, higher credit limits, lower‑interest loans and other privileged services.
• [● 5 SOURCES] The internal rating takes into account factors such as income, assets, investments, transaction history, payment behavior, and relationship length.
• [● 5 SOURCES] Itaú Unibanco announced a reformulation of its Uniclass credit cards (Mastercard Black and Visa Infinite).
• [● 5 SOURCES] The new points accrual rate is up to 2.5 points per US dollar for customers spending at least R$ 4,000 per month.
• [● 5 SOURCES] Customers spending less than R$ 4,000 per month earn 2 points per US dollar.
• [● 5 SOURCES] Cardholders receive four annual accesses to airport VIP lounges.

Timeline

1. 4 days ago

   [BUSINESS] 2 sources

   Santander ends American Express partnership in Brazil

   Santander is ending its American Express partnership in Brazil, affecting Gold, Platinum, and Centurion cards, while simultaneously launching an invite-only Visa Infinite Private card for ultra-high-income tier

2. 9 days ago

   [BUSINESS] 7 sources

   Itaú to launch Personnalité The Essential premium card

   Itaú is set to launch the Personnalité The Essential credit card, a new premium tier positioned between the Personnalité Black and The One cards.

3. 14 days ago

   [BUSINESS] 12 sources

   Santander launches invitation-only Visa Infinite Private card

   Santander has launched the Visa Infinite Private in Brazil, an invitation-only credit card targeting ultra-high-income clients to compete in the premium banking sector.

4. 17 days ago

   [BUSINESS] 5 sources

   Visa targets Brazil's high-income gap with new premium card tiers

   Visa is targeting the gap between high-income and ultra-wealthy consumers in Brazil by developing new segmented premium card categories, including the invitation-only Visa Infinite Private.

5. 26 days ago

   [BUSINESS] 4 sources

   Itaú changes VIP lounge access rules for premium cardholders

   Itaú is changing its VIP lounge access rules for Uniclass cards, requiring higher spending and customer relationship levels, while cooperatives like Unicred and Sicoob compete for premium market share.

6. 28 days ago

   [BUSINESS] 20 sources

   Itaú Personnalité introduces The Essential Mastercard

   Itaú has officially listed the Personnalité Mastercard The Essential in its fee schedule, signaling an upcoming launch of this intermediate premium card with an annual fee of R$ 960.

7. 29 days ago

   [BUSINESS] 22 sources

   Brazilian banking sector sees new premium card launches and travel benefits

   Itaú introduces the Personnalité Mastercard The Essential, while Visa expands airport Fast Track services. Premium card competition continues between Unicred and Sicoob in Brazil.

8. about 1 month ago

   [BUSINESS] 5 sources

   Itaú Personnalité launches Level 6 of Minhas Vantagens program

   Itaú Personnalité adds Level 6 to Minhas Vantagens, offering World Legend Mastercard, Sala Pedra Preta access and other premium perks.

9. about 1 month ago

   [BUSINESS] 7 sources

   Sofisa Visa Infinite revamps cashback program, reducing premium appeal

   Sofisa Visa Infinite introduces tiered Cashback Gourmet up to 8% based on spend and investment levels, keeping VIP lounge access but adding a R$ 5k spend threshold, which may lower its appeal to premium users.

10. about 1 month ago

    [BUSINESS] 2 sources

    Itaú expands VIP lounge access for premium cards and details Click card benefits in Brazil

    Itaú adds two free annual DragonPass lounge accesses for level‑5 Minhas Vantagens members and outlines its fee‑free Click card with flexible limits up to R$10,000.

11. about 1 month ago

    [BUSINESS] 24 sources

    Itaú Personnalité World Legend Mastercard unveiled with premium design

    Itaú launched the Personnalité World Legend Mastercard, a minimalist‑design premium card for high‑income clients, presented in a luxe box with the inscription “Pra todos os seus feitos.”

12. about 2 months ago

    [BUSINESS] 43 sources

    Brazilian banks tighten credit‑card rules, impacting airport lounge access

    Brazilian banks’ new internal rating raises fees for high‑income cards, tightens airport lounge access, and prompts BTG Pactual to modify its Mastercard products.

13. about 2 months ago

    [BUSINESS] 9 sources

    BTG Pactual switches Mastercard VIP lounge access to DragonPass

    BTG Pactual will move Mastercard card VIP lounge benefits from LoungeKey to DragonPass on 24 July 2026, with a transition period and unchanged access numbers.

14. about 2 months ago

    [BUSINESS] 4 sources

    Brazil sees surge in everyday credit‑card use and launch of new premium World Legend cards

    A March survey shows 77% of Brazilian credit‑card users shop at supermarkets, with strong use in pharmacies and gas stations, while BTG Pactual launches the Ultrablue World Legend card offering higher points &

15. about 2 months ago

    [BUSINESS] 20 sources

    BTG Pactual expands VIP lounge access and launches World Legend Mastercard

    BTG Pactual adds DragonPass to Ultra Blue and details its upcoming World Legend Mastercard, offering extensive lounge access, high rewards, IOF‑free overseas purchases and travel insurance.

16. about 2 months ago

    [BUSINESS] 7 sources

    Banco Safra launches premium Visa Infinite Metal Iridium credit card

    Banco Safra introduced the Visa Infinite Metal Iridium card for high‑net‑worth clients, offering up to 4 points per dollar, unlimited DragonPass lounge access, up to six free extra cards and a R$4,200 annual ‑

17. 2 months ago

    [BUSINESS] 14 sources

    Visa and Mastercard premium cards expand travel perks in 2026

    Visa and Mastercard premium cards in Brazil add free eSIM internet, airport VIP lounges, Fast Pass, travel insurance, purchase protection and tax‑refund tools in 2026.

18. 2 months ago

    [BUSINESS] 2 sources

    Bradesco launches Horizon Visa Infinite card with premium travel benefits

    Bradesco unveiled the Horizon Visa Infinite card, featuring accelerated Livelo points, airport lounge access and Visa Infinite travel insurance, amid a wider push for premium Visa and Mastercard benefits in the

19. 2 months ago

    [BUSINESS] 2 sources

    Bradesco launches dollar‑denominated Visa Infinite credit card in Brazil

    Bradesco unveiled a dollar‑based Visa Infinite card with no IOF or spread, offering 4 Livelo points per dollar and lounge access, while Brazil’s premium‑card market sees cashback options up to 2% for consumers.

20. 2 months ago

    [BUSINESS] 10 sources

    Itaú opens 'Pedra Preta' VIP lounge, ending Taste of Priceless access

    Itaú’s new 'Pedra Preta' VIP lounge at Guarulhos replaces access to Taste of Priceless for The One cardholders.

21. 2 months ago

    [BUSINESS] 2 sources

    Mastercard rolls out new premium travel fast‑track and Priceless experiences in Brazil and Portugal

    Mastercard launched a fast‑track airport service for premium cards in Brazil and introduced the Priceless experience platform in Portugal, offering exclusive travel, cultural and culinary perks.

22. 2 months ago

    [BUSINESS] 2 sources

    Itaú launches exclusive Sala Pedra Preta VIP lounge at Guarulhos Airport

    Itaú opened the two‑storey Sala Pedra Preta VIP lounge at Guarulhos Airport, offering art, Michelin‑starred dining, a premium wine list, wellness services and on‑site banking for Personnalité and Private card‑h

23. 2 months ago

    [BUSINESS] 2 sources

    Nubank launches Ultravioleta premium metal credit card in Brazil

    Nubank's Ultravioleta Card, a metal premium credit card in Brazil, combines cashback that earns interest, real‑time app tracking and exclusive benefits, with approval based on a multifactor behavioral model.

24. 2 months ago

    [BUSINESS] 10 sources

    Brazil's premium credit cards: Visa Infinite Privilege benefits and Itaú The One loses unlimited status

    Visa Infinite Privilege offers ultra‑premium travel and concierge perks; a study ranks Caixa Ícone as Brazil’s most efficient high‑income card; Itaú’s The One will now show its credit limit, ending its “unlimit

25. 3 months ago

    [BUSINESS] 15 sources

    Itaú launches Pedra Preta VIP lounge at Guarulhos Airport

    Itaú opened the Pedra Preta VIP lounge at Guarulhos Airport, offering digital QR‑code access to elite cardholders, while Sisprime announced issuing the ultra‑premium Mastercard World Legend, intensifying Brazil

26. 3 months ago

    [BUSINESS] 20 sources

    Bradesco Principal targets 700,000 high‑income clients by 2026

    Bradesco Principal aims to grow its high‑income client base from 400 k to 700 k by 2026, targeting rivals Itaú and Santander.

27. 3 months ago

    [BUSINESS] 2 sources

    Azul's Clube Azul and Santander LATAM Pass WorldMember loyalty programs expand in Brazil and Chile

    Azul's Clube Azul offers up to 240,000 points yearly with transfer bonuses, while Chile's Santander LATAM Pass WorldMember card earns miles and Qualifying Points, includes lounge access, and highlights the rise

28. 3 months ago

    [BUSINESS] 5 sources

    Azul raises fees for point‑based ticket issuance, Diamond tier customers hit hardest

    Azul has raised point‑redemption fees for domestic tickets to R$ 69.90 across all tiers, adding R$ 10 for Diamond members and sparking criticism from frequent flyers.

29. 3 months ago

    [BUSINESS] 8 sources

    Nomad grants up to 50,000 Smiles miles to new account customers

    Nomad’s new promotion gives up to 50,000 Smiles miles to customers opening an international account and converting their first real‑to‑dollar transaction, with a 3 GB data bonus.

30. 3 months ago

    [BUSINESS] 5 sources

    Brazilian banks raise spending thresholds for airport lounge access

    Brazilian banks including Santander, Itaú and BRB now require cardholders to spend between R$3,000 and R$30,000 in three months to keep free airport lounge access, a move driven by rising costs and growing prem

31. 3 months ago

    [BUSINESS] 15 sources

    Itaú opens Pedra Preta VIP lounge at São Paulo’s Guarulhos airport

    Itaú’s new Pedra Preta VIP lounge opens 29 June 2026 at Guarulhos, serving 166 guests with art, gourmet food and exclusive access for premium cardholders, as banks tighten spend rules for lounge benefits.

32. 3 months ago

    [BUSINESS] 5 sources

    Brazil airport VIP lounges see rebrand, expansionand new competition

    Nomad, ADVT VIP, Collinson and Banco do Brasil launch or expand VIP lounges across Brazil’s airports as the market grows.

33. 3 months ago

    [BUSINESS] 3 sources

    Revolut vs Santander Unlimited: Which Brazilian Card Generates More Avios in 2026

    In Brazil, Revolut cards earn 2.5‑3 Avios per dollar with 1:1 conversion, while Santander Unlimited’s 2:1 conversion can exceed 3 Avios with 20‑30% bonus promotions; Revolut also scores on debit, and costs vary

34. 3 months ago

    [BUSINESS] 4 sources

    Mastercard Raises Spending Threshold for Free Access to VIP Lounges at São Paulo’s Guarulhos Airport

    Mastercard now requires a R$15,000 quarterly spend for free access to its VIP lounges at Guarulhos Airport, aiming to reduce overcrowding and affecting Black‑card users across Brazil.

35. 3 months ago

    [BUSINESS] 20 sources

    BRB DUX credit card annual fee jumps to R$4,800, eligibility and lounge rules tightened

    BRB DUX’s annual fee climbs to R$4,800, fee‑waiver and lounge‑access rules tighten, prompting promotion of other premium Brazilian credit cards.

36. 3 months ago

    [BUSINESS] 2 sources

    Credit Card Points Programs and Cashback App Introduce New Savings Options in Brazil and Portugal

    Brazilian experts promote credit‑card point strategies, while Portugal’s new Procter & Gamble “Poupar é Ganhar” app offers up to €100 cashback on everyday purchases.

37. 3 months ago

    [BUSINESS] 4 sources

    Inter Prime vs Nubank Ultravioleta: 2026 Premium Card Benefits Compared

    Inter Prime offers a fee‑free ecosystem with points and Duo Gourmet; Nubank Ultravioleta provides 1.25% cash‑back, travel perks and zero IOF, both as Mastercard Black premium cards for 2026.

38. 3 months ago

    [BUSINESS] 4 sources

    BRB DUX Visa Infinite fee rises to R$4,800 with stricter spending and credit limits

    BRB DUX Visa Infinite's annual fee jumps to R$4,800; monthly spend for fee waiver rises to R$50,000 and minimum credit limit climbs to R$80,000, affecting all DUX variants in Brazil.

39. 3 months ago

    [BUSINESS] 2 sources

    Brazilian loyalty programs Livelo and Azul roll out high‑bonus point promotions

    Livelo and Azul/Fidelidade offer Brazilian customers high‑bonus point deals, cutting the cost per thousand points to as low as R$20 and R$13 respectively.

40. 3 months ago

    [BUSINESS] 7 sources

    Brazil's Banco Inter expands Inter Prime benefits, lowers entry bar

    Banco Inter revamps its Inter Prime premium tier, lowering the entry threshold to R$150k, adding new eligibility criteria, expanding VIP lounge access (including a new Fortaleza lounge), and offering free 10 GB

41. 3 months ago

    [BUSINESS] 6 sources

    Revolut credit‑card approvals in Brazil linked to activity and plan tier

    Revolut's Brazil credit‑card offers (R$ 10‑40k) depend on users' credit scores and account activity, not subscription tier; approvals occur in periodic batches and include analysis or guarantee models.

42. 3 months ago

    [BUSINESS] 22 sources

    Santander raises spending thresholds for VIP lounge access on Unique and Unlimited cards

    Santander Brazil raises monthly spend requirements for its Unique (R$ 5k) and Unlimited (R$ 10k) cards to keep free VIP lounge access, lifts income thresholds, and boosts reward points, effective 1 July.

43. 3 months ago

    [BUSINESS] 2 sources

    Brazil upgrades premium credit card points and pursues faster international payments

    Caixa raises Elo Diners Club points to 3/4 per dollar, boosting its premium status, while Brazil pushes for faster, cheaper cross‑border payments using stablecoins and regulatory support.

44. 3 months ago

    [BUSINESS] 14 sources

    2026 Mileage Points Calendar Highlights Top Promotion Dates in Brazil

    A 2026 calendar lists Brazil’s top mileage‑points promotion dates, featuring transfer bonuses up to 165 % and discounts up to 50 %, with key periods in January, March, June, August, September and Black Friday.

45. 3 months ago

    [BUSINESS] 3 sources

    Brazil banks unveil top 15 credit cards for unlimited VIP lounge access in 2026

    Brazilian banks list 15 credit cards that will provide unlimited airport VIP lounge access in 2026, featuring unlimited entries, guest passes and boosted rewards across major programs.

46. 4 months ago

    [BUSINESS] 13 sources

    Santander Brazil to absorb Esfera loyalty program in June

    Santander Brazil will merge its Esfera loyalty subsidiary into the bank after board approval, with an extraordinary shareholders meeting set for June 30. The move aims to streamline operations, cut costs and is

47. 4 months ago

    [BUSINESS] 4 sources

    Santander revamps Unlimited credit card to target Brazil's high‑income market

    Santander has revamped its Unlimited card, adding tiered rewards, aggressive Avios conversion and higher credit limits to target Brazil’s high‑income consumers.

48. 4 months ago

    [BUSINESS] 2 sources

    American Express Platinum Card Bradesco Review Highlights Benefits and Competition in Brazil

    American Express Platinum Card Bradesco offers high‑value lounge access and travel perks, but faces stiff competition from newer premium cards in Brazil, raising questions about its 2026 value.

49. 4 months ago

    [BUSINESS] 3 sources

    Brazil's Santander Unlimited and Bradesco Aeternum cards compared for 2026 travel rewards

    Brazil's Santander Unlimited and Bradesco Aeternum cards, both premium, are compared: fees, points per dollar, lounge access and reward platforms differ, with Bradesco offering lower fees and higher points.

50. 4 months ago

    [BUSINESS] 5 sources

    Bradesco and American Express eye new premium credit card for Brazil's high‑income clients

    Bradesco may launch an intermediate AMEX card for affluent Brazilians, filling the gap between Platinum and Centurion tiers.

Sources

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