Banco Santander Brasil S.A. / Visa Infinite and Mastercard Black
Santander Unlimited Black
Premium Santander Brasil card for high-income and Private clients, offering up to 3.6 Esfera points per dollar for Select clients, higher rates for Private clients, points that never expire, free and unlimited airport lounge access, up to 7 additional cards per brand with no annual fee, protected card insurance, Visa Infinite and Mastercard Black benefits, and annual fee exemption opportunities.
Highlights
Main benefits
- Premium Santander Unlimited card for high-income clients
- Duo offer with Visa Infinite and Mastercard Black benefits
- Up to 3.6 Esfera points per dollar for Select clients
- Up to 6.0 Esfera points per dollar for Private clients with Santander Rewards
- Esfera points never expire
- Free and unlimited lounge access
- More than 1,500 LoungeKey lounges with Mastercard Black
- More than 1,200 Visa Airport Companion lounges with Visa Infinite
- 8 free guest lounge accesses per year for the primary cardholder
- Up to 7 additional cards per brand with no annual fee
- Protected Card Insurance included
- Visa Concierge benefit
- Mastercard Black travel insurance and purchase protections
- Visa Infinite travel insurance and rental car protections
- Apple Pay and Samsung Pay support
- Automatic recurring payment update feature
- Esfera redemptions for bill credit, products, travel and discounts
- Auto Compara discount and bonus points offer
Fees
Fees and charges
Joining fee
12 x R$ 183.33
Renewal fee
12 x R$ 183.33
Annual fee waiver
Up to 100% discount on the monthly annual fee installment
Full monthly fee discount with spending from R$ 30,000 per bill
Full monthly fee discount with investments from R$ 5,000,000 at Santander or Toro
Up to 7 additional cards per brand with no annual fee
Who can apply
Eligibility
- Santander Private client or monthly income from R$ 30,000
- Santander relationship or agency-based application
- Approval by Santander credit analysis
- Eligible spending or investment relationship required for annual fee exemption
- Card benefits require active card and bill in good standing
Checklist
Documents required
- Valid Brazilian identity document
- CPF
- Proof of residence
- Proof of income
- Santander account or relationship details
- Investment information when using investment-based annual fee exemption
- Additional documents requested during Santander credit analysis
Process
How to apply
1. Open the official Santander Unlimited card page
2. Review the Unlimited Black benefits, annual fee and eligibility conditions
3. Visit or contact a Santander branch or relationship manager
4. Provide your personal, income and residence information
5. Submit the requested documents for Santander credit analysis
6. Wait for Santander approval and card issuance
7. Activate the card and register it in the Santander app and lounge access apps
Value
Reward and cashback structure
Reward rate
3.6 Esfera points per dollar on international purchases for Select clients
Up to 5.4 Esfera points per dollar on international purchases for Select clients with Santander Rewards
3.0 Esfera points per dollar on domestic purchases for Select clients
Up to 4.5 Esfera points per dollar on domestic purchases for Select clients with Santander Rewards
4.0 Esfera points per dollar on international purchases for Private clients
Up to 6.0 Esfera points per dollar on international purchases for Private clients with Santander Rewards
3.5 Esfera points per dollar on domestic purchases for Private clients
Up to 5.25 Esfera points per dollar on domestic purchases for Private clients with Santander Rewards
Esfera points never expire
18% discount on Auto Compara insurance using the Unlimited coupon
5,000 bonus Esfera points with eligible Auto Compara insurance purchase
Cashback
Esfera points can be redeemed as credit on the card bill
Shopping Esfera offers cashback, partner discounts and extra points
Mastercard Travel Rewards offers automatic cashback at selected international merchants
Good fit
Pros
- Very strong Esfera points earning for premium Santander clients
- Points do not expire
- Free and unlimited airport lounge access
- Duo offer gives both Visa Infinite and Mastercard Black benefit coverage
- High number of free additional cards
- Annual fee can be fully waived through high spending or investments
- Useful travel insurance, rental car and purchase protection benefits
- Esfera points can be redeemed for card bill credit, travel, products and discounts
Watchouts
Cons
- High annual fee without exemption
- Requires Private relationship or high monthly income profile
- Full annual fee exemption requires high monthly spending or large investments
- No fixed cashback rate
- No fuel-specific benefit
- Lounge access has eligibility and spending criteria
- Best value is mainly for frequent travellers and heavy card users
Related
Related cards
Comparar cartões
Comparar cartões
| Field | Santander Unlimited Black | BRB DUX Visa Infinite |
|---|---|---|
| Bank/provider | Banco Santander Brasil S.A. / Visa Infinite and Mastercard Black | BRB Banco de Brasília S.A. / Visa Infinite |
| Taxa de adesão | 12 x R$ 183.33 | R$ 0 for the first 3 months, then 12 x R$ 400 = R$ 4,800 per year |
| Taxa de renovação | 12 x R$ 183.33 | 12 x R$ 400 = R$ 4,800 per year |
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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 |