Banco do Brasil / Visa Infinite
Banco do Brasil Altus Liv
Premium Banco do Brasil Visa Infinite card for high-income clients, offering up to 4.00 Livelo points per US$1, the option to choose points, cashback or investments, IOF Zero on international purchases, unlimited airport lounge access through Visa Airport Companion and LoungeKey, 12 annual companion lounge visits and Visa Infinite travel and purchase benefits.
Highlights
Main benefits
- Premium Banco do Brasil Visa Infinite card
- Up to 4.00 Livelo points per US$1
- 00 Livelo points per US$1 on domestic purchases for bills up to R$ 15,000
- 50 Livelo points per US$1 on domestic purchases for bills above R$ 15,000 and up to R$ 25,000
- 00 Livelo points per US$1 on international purchases
- Option to choose points, cashback or investments
- Up to 1.3% cashback option
- IOF Zero on international purchases
- Unlimited Visa Airport Companion lounge access
- Unlimited LoungeKey access
- 12 annual companion lounge visits
- Visa Infinite benefits included
- Annual fee waiver with R$ 25,000 monthly spend
- Annual fee waiver with investments above R$ 2,000,000 at BB
- 50% annual fee discount with monthly spend above R$ 15,000
- Additional cards can have annual fee exemption
Fees
Fees and charges
Joining fee
12 x R$ 300 = R$ 3,600 per year
Renewal fee
12 x R$ 300 = R$ 3,600 per year
Annual fee waiver
Annual fee waived with monthly card spending from R$ 25,000
Annual fee waived with investments above R$ 2,000,000 at Banco do Brasil
50% annual fee discount with monthly card spending above R$ 15,000 and up to R$ 25,000
Additional cards can have annual fee exemption
Who can apply
Eligibility
- Banco do Brasil client in Brazil
- High-income or Estilo relationship profile
- Approval after Banco do Brasil credit analysis
- Eligible credit limit and financial profile required
- Annual fee exemption depends on monthly spending or investment relationship with Banco do Brasil
Checklist
Documents required
- Valid Brazilian identity document
- CPF
- Proof of residence
- Proof of income or financial profile information
- Banco do Brasil account or relationship details
- Investment information when using investment-based annual fee exemption
- Additional documents requested during Banco do Brasil credit analysis
Process
How to apply
1. Open the official Banco do Brasil Altus Liv product page
2. Log in to the Banco do Brasil app or internet banking with your BB account
3. Check whether the Altus Liv card offer is available for your profile
4. Review the card limit, annual fee and reward option shown by Banco do Brasil
5. Submit the request for Banco do Brasil credit analysis
6. After approval, activate the card in the Banco do Brasil app
7. Register for Visa Airport Companion and LoungeKey access where required
Value
Reward and cashback structure
Reward rate
3.00 Livelo points per US$1 on purchases in Brazil for bills up to R$ 15,000
3.50 Livelo points per US$1 on purchases in Brazil for bills above R$ 15,000 and up to R$ 25,000
4.00 Livelo points per US$1 on purchases in Brazil for bills above R$ 25,000
4.00 Livelo points per US$1 on international purchases
Up to 1.3% cashback option
IOF Zero on international purchases
Points, cashback or investment reward choice available
Cashback
Up to 1.3% cashback option
Customer can choose cashback instead of Livelo points
Customer can choose investment rewards instead of cashback or points
Cashback is part of the reward choice model rather than a separate fixed-only cashback card
Good fit
Pros
- Strong Livelo points earning for Brazilian spending
- High international purchase points rate
- Flexible choice between points, cashback and investment rewards
- Unlimited lounge access through two major programs
- 12 annual companion visits add strong travel value
- IOF Zero can improve value on international purchases
- Annual fee can be waived through spending or investments
- Good fit for Banco do Brasil high-income clients
Watchouts
Cons
- High annual fee without exemption
- Best value requires high monthly spending or large BB investments
- Approval depends on Banco do Brasil credit analysis
- No fuel-specific benefit
- Cashback option may be less valuable than points for frequent travellers
- Premium benefits are mainly useful for frequent travellers
- Availability may depend on customer profile inside Banco do Brasil
Related
Related cards
Compare
Compare Cards
| Field | Banco do Brasil Altus Liv | BRB DUX Visa Infinite |
|---|---|---|
| Bank/provider | Banco do Brasil / Visa Infinite | BRB Banco de Brasília S.A. / Visa Infinite |
| Joining fee | 12 x R$ 300 = R$ 3,600 per year | R$ 0 for the first 3 months, then 12 x R$ 400 = R$ 4,800 per year |
| Renewal fee | 12 x R$ 300 = R$ 3,600 per year | 12 x R$ 400 = R$ 4,800 per year |
| Best for |
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| Reward rate |
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| Cashback |
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| Lounge access |
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| Fuel surcharge waiver | Not available | Not available |
| Welcome benefit | Not specified | 10,000 points in DUX Experience after activating the BRB DUX Visa Infinite card |
| Annual fee waiver condition |
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| Eligibility |
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| Apply link | Apply Now | Apply Now |