Accessing VIP lounges is the benefit most desired by credit card customers in Brazil. After all, who wouldn't want to wait for their flight in privacy in a unique location, with drinks, food and other services at their disposal?
However, cards that offer this treat generally charge a high annual fee, which is not always easy to waive. But there are some credit cards that offer free access to VIP lounges without forcing you to spend the annual fee! Check out our list!
Credit cards with VIP lounge access and free annual fees
1) Inter Mastercard Black Card
Inter Black offers free and unlimited access to VIP lounges in the LoungeKey program and Mastercard Black lounges at Guarulhos Airport and points that can be exchanged for 1% cashback.
To apply for the card, you must have at least R$250,000 in investments or spend R$7,000 every month.
However, there is an even easier alternative for those who want to request their black card: users who subscribe to the Duo Gourmet restaurant benefits program can request the card even without meeting the minimum investment or spending requirements.
In the Duo Gourmet offer, the card offers 6 free annual access to the VIP rooms of the LoungeKey program for the cardholder, which can be used in lounges in Brazil and around the world.
And there's more: until 5/29 use the coupon and subscribe the Gourmet Duo with a super promotional value. This is a great opportunity to have a card with free VIP rooms and several other benefits without having a super income or high investments.
Find out more about Duo Gourmet offer with Inter Black.
2) XP Visa Infinite Card
The XP brokerage card is another good card option with no annual fee and with VIP rooms. It is available to customers who have at least R$5,000 in investments, such as CDB, direct treasury, stock funds, among others.
Customers receive two free annual access to the program's VIP rooms Dragon Pass/Visa Airport Companion. Anyone who invests from R$50,000 will have four annual accesses. But be careful, to guarantee access to VIP lounges it is necessary to maintain at least R$3,000 in monthly expenses with the card.
The option to request the card is available on the app around 30 days after the investment. The annual fee is free and customers can also earn up to 1% cashback on all purchases. The money back is earned and does not expire, and can be redeemed after completing the minimum amount of R$50.
XP Visa Infinite card cashback
| Investment | Invoices up to R$1,499 | Invoices between R$1,500 and R$2,999 | Invoices above R$3,000 |
| Between R$5 thousand and R$49 thousand | There is not | 0.5% | 1% |
| From R$50 thousand | 1% | 1% | 1% |
To open an account with XP and request the card – Click here.
3) Genial Mastercard Black Card
Recently launched on the market, the Genial Mastercard Black is a card with a free annual fee that offers free and unlimited access to the VIP lounges of the LoungeKey program for the cardholder and their companions. The holder can also access the Mastercard Black lounges at Guarulhos Airport.
The card offers 1% cashback on all purchases, which is converted into “gCoins”, the broker's own currency that can be used to invest on the broker's platform, exchange products or transfer to the Azul Fidelidade, Livelo and Smiles programs. gCoins do not expire.
To apply for the card, you must open an account with Genial and invest at least R$50,000.
To open an account at Genial and request the card – Click here.
4) BIB Visa Infinite Card
Banco Industrial do Brasil Visa Infinite, or BIB Visa Infinite, offers 2.5 points per dollar on all purchases that can be transferred to the Livelo, Latam Pass, Smiles and Azul Fidelidade programs. Points never expire.
The card offers free and unlimited access to the VIP lounges of the LoungeKey and Dragon Pass/Visa Airport Companion programs for the cardholder entitled to one guest per year.
To apply for the card, you must have R$250,000 in investments at Banco Industrial do Brasil.
5) Bradesco Visa Infinite Card
Bradesco has a promotion that offers the Visa Infinite card with free annual fees forever. The card offers 4 free annual access to VIP lounges in the Dragon Pass/Visa Airport Companion program.
To participate, you must request the card by 05/31/24 and spend at least R$3,000 in the first 90 days of using the card. Find out more about the promotion – click here.
In addition to access to VIP lounges, the card also offers 2 Livelo points per real that do not expire.
To request the card – Click here.
Credit cards with VIP lounge access and annual fee exemption
In addition to the cards above, there are good options that offer VIP lounges and allow you to waive the annual fee upon spending. Check out!
6) C6 Bank Carbon Mastercard Black Card
The C6 Bank Carbon Mastercard Black, or C6 Carbon, offers four free annual access to the LoungeKey program's VIP rooms. The customer can also access the Mastercard Black lounges at Guarulhos Airport, in São Paulo, unlimitedly.
The card charges an annual fee of R$1,176, but customers who spend R$8,000 per month are exempt from the charge.
The card also offers 2.5 points per dollar that can be transferred to Livelo, Latam Pass, Smiles, Azul Fidelidade and TAP Miles&Go.
To order the C6 Carbon – Click here.
7) Santander Unlimited Mastercard Black and Visa Infinite
Santander Unlimited is one of Santander's best credit cards. It is available in Mastercard Black and Visa Infinite versions and, in both, it is possible to have a free annual fee and access to VIP lounges.
Unlimited Black offers free and unlimited access to the LoungeKey program lounges with access to 8 guests per year, in addition to the Mastercard Black lounges at Guarulhos Airport. Unlimited Infinite offers free and unlimited access to 8 guests per year to the Dragon Pass/Visa Airport Companion program rooms.
The annual fee for the card is R$1,290, but it is possible to have a free annual fee when spending R$20,000 every month.
The cards also offer 2.6 Esfera points per dollar spent on all domestic purchases and 3 Esfera points per dollar spent on purchases abroad. Points do not expire and can be transferred to Latam Pass, Smiles and Azul Fidelidade partners.
To request the Santander Unlimited card – Click here.
8) Porto Seguro Mastercard Black and Visa Infinite
Porto Seguro cards are also available in Black and Infinite versions. The Black version offers 10 accesses to VIP lounges in the LoungeKey program and unlimited access to the brand's lounges at Guarulhos Airport, while the Infinite card offers 10 visits to the Dragon Pass/Visa Airport Companion and Priority Pass lounges.
Customers can also access the BRB Coworking room at Congonhas Airport, in São Paulo.
The annual fee for the cards is R$1,560, but customers who spend at least R$15,000 every month are free from the charge and enjoy a free annual fee.
The cards also offer 2 points per dollar spent on invoices up to R$10,000, 2.2 points on invoices over R$10,000 and 3.5 points on purchases abroad. Points do not expire and can be transferred to the Latam Pass, Smiles, Azul Fidelidade and TAP Miles&Go programs.
To request a Porto Seguro card – Click here.
And do you have any of these cards in your wallet? Comment and participate!
