Banco BTG Pactual S.A. / Mastercard Black
BTG Pactual Ultrablue
Premium BTG Pactual Mastercard Black card for high-income clients, offering up to 1.7% cashback or up to 3.5 points per dollar spent, unlimited Dragonpass lounge access, IOF Zero on international purchases, concierge service, insurance benefits, vehicle tag discounts and exclusive lifestyle advantages.
Highlights
Main benefits
- Premium Mastercard Black card from BTG Pactual
- Up to 1.7% cashback
- Up to 3.5 points per dollar spent
- Choice between cashback and points
- Points can be accumulated in Livelo or Esfera
- Unlimited Dragonpass lounge access
- Up to 12 guest visits per year
- IOF Zero on international purchases
- 20% discount at Terminal BTG Pactual in Guarulhos Airport
- Concierge service
- Seguro Conta e Cartão included
- Unlimited Exame digital content
- 10% discount on selected Empiricus products
- Vehicle tag discount benefits
- Monthly fee waiver available through investments
Fees
Fees and charges
Joining fee
R$ 400 per month
Renewal fee
R$ 400 per month
Annual fee waiver
Monthly fee waived with investments above R$ 400,000
Each R$ 1,000 in monthly card spending gives R$ 10 discount on the monthly fee
Each R$ 10,000 invested gives R$ 10 discount on the monthly fee
Who can apply
Eligibility
- Minimum investment of R$ 1,000,000 with BTG Pactual
- Approval in BTG Pactual credit analysis
- Active BTG Banking relationship
- Eligible clients can request the card through the BTG Banking app
Checklist
Documents required
- Valid Brazilian identity document
- CPF
- Proof of residence
- Income or financial profile information
- BTG Banking account details
- Investment relationship information with BTG Pactual
Process
How to apply
1. Open the BTG Banking app
2. Log in with your eligible BTG Pactual account
3. Open the Card menu
4. Select the option to become Ultrablue
5. Review the Ultrablue card benefits and fee conditions
6. Submit the request for BTG Pactual credit analysis
7. After approval, activate and use the Ultrablue card through the BTG Banking app
Value
Reward and cashback structure
Reward rate
1.5% cashback on domestic purchases
1.7% cashback on international purchases
3.0 points per dollar spent on domestic purchases
3.5 points per dollar spent on international purchases
Points can be accumulated in Livelo or Esfera
IOF Zero on international purchases
20% discount on access to Terminal BTG Pactual at Guarulhos Airport
10% discount on selected Empiricus products
Cashback
5% cashback on domestic purchases
7% cashback on international purchases
Cashback is credited as a card statement benefit
Vehicle tag discounts are available through partner benefits
Good fit
Pros
- Very strong cashback rate for Brazil
- Flexible choice between cashback and points
- Excellent airport lounge benefit for frequent travellers
- International purchases earn the highest cashback and points rate
- Monthly fee can be waived through investment balance
- Useful premium travel and concierge benefits
- Additional cardholders also receive lounge access
- Strong fit for BTG Pactual private and high-income clients
Watchouts
Cons
- Requires at least R$ 1,000,000 invested with BTG Pactual for eligibility
- High monthly fee without exemption
- Best value is limited to high-income and investment clients
- No standard fuel benefit
- No simple free-card positioning
- Mastercard Black benefits may be less useful for non-travellers
Related
Related cards
Comparar cartões
Comparar cartões
| Field | BTG Pactual Ultrablue | BRB DUX Visa Infinite |
|---|---|---|
| Bank/provider | Banco BTG Pactual S.A. / Mastercard Black | BRB Banco de Brasília S.A. / Visa Infinite |
| Taxa de adesão | R$ 400 per month | R$ 0 for the first 3 months, then 12 x R$ 400 = R$ 4,800 per year |
| Taxa de renovação | R$ 400 per month | 12 x R$ 400 = R$ 4,800 per year |
| Best for |
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| Taxa de recompensas |
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| Cashback |
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| Acesso a lounges |
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| Isenção de sobretaxa de combustível | Not available | Not available |
| Beneficio de boas-vindas | Not specified | 10,000 points in DUX Experience after activating the BRB DUX Visa Infinite card |
| Isenção de anuidade |
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| Elegibilidade |
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| Link de candidatura | Candidatar-se agora | Candidatar-se agora |