Universo, IME, S.A.
Cartão Universo+
Cartão Universo+ is a Portugal-focused Mastercard credit card designed for everyday shopping, especially at Continente and Meu Super. It offers 5% discount credited to Cartão Continente on eligible Continente and Meu Super purchases and 1% on other eligible Mastercard purchases when paid in Fim do Mês mode, with no annual card availability commission.
Highlights
Main benefits
- 5% discount at Continente and Meu Super
- 1% discount on other eligible Mastercard purchases
- Discount credited to Cartão Continente balance
- Up to €10 monthly discount limit
- No annual card availability commission
- Works at Mastercard merchants in Portugal and internationally
- Special no-interest instalment options in selected Sonae stores
- Digital payment flexibility through Universo channels
Fees
Fees and charges
Joining fee
No joining fee
Renewal fee
No annual card availability commission
Annual fee waiver
No annual card availability commission
No waiver condition required
Who can apply
Eligibility
- Applicant must be eligible for consumer credit in Portugal
- Applicant must complete Universo identity and credit assessment requirements
- Applicant must provide valid personal and contact information
- Approval depends on credit assessment
Checklist
Documents required
- Valid identification document
- Portuguese tax identification number
- Proof of address
- Proof of income or employment when requested
- Bank account details for payment setup
Process
How to apply
1. Visit the official Cartão Universo+ page
2. Start the online application for Cartão Universo+
3. Enter personal, tax, contact and financial details
4. Complete identity verification and credit assessment steps
5. Submit the application and wait for the approval result
6. Activate the card after approval and use it in eligible Mastercard and Sonae partner stores
Value
Reward and cashback structure
Reward rate
5% discount on eligible purchases at Continente and Meu Super when paid in Fim do Mês mode
1% discount on eligible purchases at other Mastercard merchants when paid in Fim do Mês mode
Discount is credited to Cartão Continente balance
Monthly discount limit up to €10
Cashback
5% at Continente and Meu Super
1% at other eligible Mastercard merchants
Credited as Cartão Continente balance
Up to €10 per month
Up to €120 per year
Good fit
Pros
- Strong value for Continente and Meu Super shoppers
- Useful for regular supermarket and household spending
- No annual card availability commission
- Works on the Mastercard network
- Discounts connect well with Cartão Continente loyalty benefits
- Good fit for users already shopping across the Sonae ecosystem
Watchouts
Cons
- Monthly discount cap limits high-spend value
- Best value is concentrated around Continente and Meu Super shopping
- Rewards are credited to Cartão Continente instead of direct statement cashback
- No lounge access benefit
- Not ideal for users who rarely shop in the Sonae ecosystem
Related
Related cards
Compare
Compare Cards
| Field | Cartão Universo+ | Unibanco Credit Card |
|---|---|---|
| Bank/provider | Universo, IME, S.A. | UNIBANCO |
| Joining fee | No joining fee | €0 joining fee |
| Renewal fee | No annual card availability commission | €0 annual fee |
| Best for |
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| Reward rate |
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| Cashback |
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| Lounge access | Not available |
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| Fuel surcharge waiver | No commission on purchases at fuel stations | Not available |
| Welcome benefit | Not specified |
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| Annual fee waiver condition |
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| Eligibility |
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| Apply link | Apply Now | Apply Now |