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Discover in this reading the best high-income credit card options for you to apply for now!
What if you had a credit card with the limit needed to meet your consumption needs and those of your dependents?
In fact, within the high-income group there are still different types of consumers. On the one hand, there are those who do not give up luxury and comfort, while on the other, there are those who value savings and investments.
For this reason, during this reading, we have separated some tips and suggestions for both tastes. Want to know more? Continue reading and find out everything about:
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- What is a high-income credit card?
- What is the TOP credit card in Brazil?
- The best credit card options for high income earners?
What is a high-income credit card?
At first glance, the high-income credit card is a financial product offered by institutions to current account customers with high purchasing power.
In general, consumers with an income above R$10,000.00 fall into this group.
One of the differences is in the benefits granted to customers, such as VIP lounges at airports, medical assistance while traveling, concierge, Cashback, points program, among others.
On the other hand, a negative aspect is the value of the annuity, since in many cases the rates can reach up to R$1,500.00.
Therefore, to make an assertive choice, you need to carefully analyze the cost-benefits and compare them with your real needs.
After all, if a credit card has a high annual fee and you don't use any of the benefits, the deal certainly won't be that advantageous. In addition, you'll miss out on investment opportunities to make your money grow.
What is the TOP credit card in Brazil?
Many of our readers have this question in mind: what is the TOP credit card in Brazil?
Above all, the answer varies from consumer to consumer, because as we all know, what is good for one is not good for another.
So, to answer the question about the TOP credit card in Brazil, we need to consider the following hypotheses:
- Does the credit card have a good limit that covers all my needs and those of my dependents?
- Do the benefits offered cover my daily needs?
- Are the airline miles and points accumulation programs advantageous?
- It has a system of Cashback?
With this in mind, you will definitely find the TOP card to meet all your needs.
To help you with this mission, we have separated a list below: list with all the information on the high-income cards most requested by consumers.
Let’s check it out and find the best option for your consumption profile?
The best credit card options for high-income earners
Bradesco Aeternum Visa Infinite
One of the first high-income credit card options for you to compare is the Bradesco Aeternum Visa Infinite. After all, the product has the highest score on the market and the advantage is the points without an expiration date.
Card X-ray
| Availability only to Bradesco Private or Prime customers |
| Metal Composition |
| Every dollar spent on the card corresponds to 4 points that do not expire |
| Exclusive Personal Consulting |
| Concierge service available 24 hours a day |
| Free access to Lounge Key and Visa Airport Companion VIP lounges |
| Visa Luxury Hotel Collection – a selection of the world’s most upscale hotels |
C6 Bank Carbon High Income Credit Card
Just like the Bradesco Aeternum Visa Infinite credit card, the C6 Bank Carbon It also has a points program with no expiration date.
In addition, the client has access to all the benefits of Mastercard Black, such as: travel benefits and amenities, insurance, concierge service and even exemption from the first corkage fee in over 200 restaurants.
Card X-ray
| Every dollar spent corresponds to 2.5 points on Livelo, and the points have no expiration date. |
| There are up to 6 additional free cards, with no annual fee |
| Access to VIP lounges at airports |
| All Mastercard Black benefits included |
| Annual fee of R$85.00 per month – with exemption for the first 3 months |
| Investors with investments of R$$50,000.00 or more in C6 Bank CDB do not pay monthly annual fees |
| Exemption from 100% of the annual fee on monthly expenses from R$8,000.00 |
| 50% annual fee waiver for monthly expenses starting at R$$4,000.00 |
Santander High Income Credit Card: Unlimited
In fact, Santander has numerous credit card options, but among them the one that best fits the high-income profile is the Unlimited Santander.
With this, the consumer has 2 cards in their hands in a single order: Visa and Mastercard. Furthermore, the best thing is that they can use all the advantages of both cards!
Card X-ray
| There are two cards available in a single order: Visa and Mastercard |
| For every dollar spent, the customer accumulates 2.2 points in the Esfera Points Program |
| There are up to 7 additional cards with no annual fee |
| The customer has free and unlimited access to the LoungeKey Visa VIP lounges |
| Protected credit card insurance included in the contract, also valid for additional cards |
| The annual fee is R$107.50 per month |
| By spending at least R$$40,000.00 on the Mastercard Black card, the customer is exempt from the fee. |
| Management via the Santander Way App |
Nubank Ultraviolet
First of all, I'm sure you've heard the name Nubank. After all, it was this financial institution's innovation that started the revolution and modernization of credit cards.
Many people probably still don't know that the bank has now launched a credit card option to cater to high-income earners: the Nubank Ultraviolet! See below all the details inherent to the financial product:
Card X-ray
| Metal composition and with a secret code that appears during exposure to ultraviolet rays Cashback of 1% on all purchases that yields 200% of Nubank CDI |
| The Cashback balance is credited at the time of purchase and can be redeemed immediately. |
| Free and unlimited stay in the Guarulhos Mastercard Black VIP Lounge |
| Issuance of free international health insurance |
| Free annual fee with a minimum spend of R$1,000.00 |
| Customers with investments of R$$50,000 or more in Nubank or Nu Invest are exempt from the annual fee |
| Annual fee of R$49.00 per month |
| Mastercard Black Credit Card |
XP Visa Infinite – exclusive for investors
Already the XP Visa Infinite is a excellent choice, especially for investors. This is because the product has an integrated “investback” system. In other words, in all transactions with the credit card, a percentage is returned in the form of a financial investment.
Furthermore, the annual fee is free and the limit can be quite high, since it is also linked to the consumer's total investment balance at the XP brokerage.
Are you interested? Check out the most important details to help you make your decision:
Card X-ray
| Exclusive for XP clients, with a minimum of R$$50,000.00 in financial investments at the brokerage firm |
| Free access to all Visa Airport Companion VIP lounges |
| Up to 5% of investiback in the form of investment |
| The balance is invested in an exclusive fixed income fund and is settled daily. In other words, the customer can withdraw the money at any time. |
| Free annual fee, regardless of card spending |
| Visa Infinite Benefits Included |
| Integration with digital wallets |
| Up to 6 additional cards, both of which accumulate investiback balance for the cardholder |
Conclusion on the best high-income credit card options
Having a high-income credit card in your wallet is synonymous with comfort and quality of life and, best of all, the customer can extend the benefits to all dependents.
Whatever your consumption profile, we are sure that after this information you will find the ideal card to meet all your needs.
However, don't forget to analyze which of these options bring you the most benefits. For example, if your routine is between airports and work, then the best option is the credit card with the highest number of points to exchange for miles, such as the Aeternum Visa Infinite.
Now, for example, if you are a consumer who values savings and investments, then the XP Visa Infinite will certainly be the ideal option.
Did you like the subject? Then take the opportunity to read our next article about: “Additional Credit Card: what is it, who pays for it, how to apply?”. Click the button below and find out more!
