Itaú Unibanco / Mastercard Black
Itaú Personnalité The One Mastercard Black
Ultra-premium Itaú Personnalité Mastercard Black card for high-income Brazilian clients, offering 3 points per dollar on domestic purchases, 3.5 points per dollar on international purchases, points that never expire, unlimited LoungeKey access, 12 annual guest lounge accesses, The Assistant 24-hour personal service, luxury hotel and restaurant benefits, and Mastercard Black protections.
Highlights
Main benefits
- Ultra-premium Itaú Personnalité Mastercard Black card
- First Itaú Personnalité metal card
- 3 points per dollar on domestic purchases
- 5 points per dollar on international purchases
- Points do not expire
- Points can be redeemed as card bill credit
- Unlimited free LoungeKey access
- 12 free guest lounge accesses per year
- Unlimited access to Mastercard Black lounges at Guarulhos Airport
- The Assistant personal service available 24 hours a day
- Priority restaurant reservations and exclusive dining experiences
- Luxury hotel and resort booking benefits
- Digital card available before physical card delivery
- Apple Pay, Samsung Pay, Google Pay and PayPal support
- Temporary virtual card for one-time online purchases
- MasterAssist Black emergency medical assistance abroad up to US$150,000
- Travel inconvenience coverage up to US$3,000
- Baggage delay and baggage loss protection
- Rental car insurance benefit
- Purchase protection and extended warranty benefits
Fees
Fees and charges
Joining fee
12 x R$ 333.34 = R$ 4,000 per year
Renewal fee
12 x R$ 333.34 = R$ 4,000 per year
Annual fee waiver
Annual fee waived with R$ 5,000,000 invested in Itaú Personnalité
Annual fee waived with R$ 60,000 in purchases per bill
Annual fee waived by reaching level 5 in Minhas Vantagens Itaú Personnalité
50% monthly annual fee reduction with R$ 30,000 to R$ 59,999 in purchases per bill
Who can apply
Eligibility
- Itaú Personnalité client
- Contact with Itaú Personnalité manager required for request
- Approval after Itaú credit analysis
- High-income profile suitable for The One card segment
- Annual fee exemption depends on investment, spending or Minhas Vantagens relationship level
Checklist
Documents required
- Valid Brazilian identity document
- CPF
- Proof of residence
- Proof of income or financial profile information
- Itaú Personnalité account or relationship details
- Investment or spending relationship information when using annual fee exemption criteria
- Additional documents requested during Itaú credit analysis
Process
How to apply
1. Become an Itaú Personnalité client or use your existing Personnalité relationship
2. Contact your Itaú Personnalité manager
3. Request information about the Itaú Personnalité The One Mastercard Black card
4. Provide the requested personal, income and relationship information
5. Submit the request for Itaú credit analysis
6. After approval, unlock the digital card in the Itaú Personnalité app
7. Use the digital card in wallets or online while waiting for the physical card delivery
8. Activate the physical card after delivery through the Itaú Personnalité app or internet banking
Value
Reward and cashback structure
Reward rate
3 points per dollar on domestic purchases
3.5 points per dollar on international purchases
Points do not expire
Points can be used for cashback as credit on the card bill
Points can be used for products, points plus card purchases and card-only purchases
Mastercard Surpreenda gives 1 point per purchase for partner offers
MasterAssist Black emergency medical assistance abroad up to US$150,000 for 60 days
Travel inconvenience coverage up to US$3,000
Cashback
Points can be redeemed as direct credit on the card bill
Cashback is available through points redemption rather than a fixed cashback rate
Points can also be used for products and purchases in the Itaú ecosystem
Good fit
Pros
- Very strong points rate for Brazilian domestic and international spending
- Points never expire
- Unlimited airport lounge access for titular and additional cardholders
- 12 annual guest lounge accesses add strong travel value
- Premium The Assistant service for travel, dining and events
- Useful luxury hotel and restaurant privileges
- Mastercard Black insurance and purchase protections included
- Annual fee can be waived through investment, spending or relationship level
- Digital card can be used before the physical card arrives
Watchouts
Cons
- High annual fee of R$ 4,000 without exemption
- Available mainly for Itaú Personnalité high-income clients
- Request must be handled through a Personnalité manager
- Best value requires frequent travel or high card spending
- No fixed cashback rate
- No fuel-specific benefit
- Annual fee waiver requires high investments, high spending or top relationship level
Related
Related cards
Comparar cartões
Comparar cartões
| Field | Itaú Personnalité The One Mastercard Black | BRB DUX Visa Infinite |
|---|---|---|
| Bank/provider | Itaú Unibanco / Mastercard Black | BRB Banco de Brasília S.A. / Visa Infinite |
| Taxa de adesão | 12 x R$ 333.34 = R$ 4,000 per year | R$ 0 for the first 3 months, then 12 x R$ 400 = R$ 4,800 per year |
| Taxa de renovação | 12 x R$ 333.34 = R$ 4,000 per year | 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 |