The BV Elo Mais Card gives you a way to earn points while spending. This article explains how the card works, how to apply, and how to maximize your rewards.
You’ll learn how to redeem points, convert them to miles, and enjoy partner discounts. We also detail interest rates, terms, and app usage.
Main Features of the BV Elo Mais Card
This section outlines the card’s core benefits and service offerings. Knowing the key features helps you decide if this card is right for you.
The annual fee is 12x of R$28.90. You get a virtual card for online purchases and access to BV Merece and Deserve programs. The card is accepted nationally and internationally under the Elo banner.
It comes with assistance services and insurance options. You can also check your spending and manage the card through the BV app.
Earn Points With Every Purchase
The BV Elo Mais Card is linked to the BV Merece rewards program. Here’s how you accumulate points with your regular spending.
Each time you use your card, you earn BV Merece or BV Deserve points, depending on the category. Points accumulate on every purchase, whether in physical stores or online.
Some purchases with BV partners earn extra points. You can track your earned points through the app. These points can later be exchanged for products, vouchers, or airline miles.
Redeeming Points in the BV Merece Program
Your points give access to practical rewards. Here are the top ways to use them efficiently.
You can exchange your points for cell phone top-ups with carriers like Vivo, Oi, Tim, and Claro. Points can also be used to buy products from online stores such as Extra.com.
Shopping vouchers are redeemable at popular Brazilian chains like O Boticário, C&A, Marisa, Walmart, and Pão de Açúcar. Each redemption has a minimum points requirement. Use the BV app to view redemption options and complete the process.
How to Apply for the BV Elo Mais Card?
Getting started with the BV Elo Mais Card is simple and mostly online. You need to meet a few eligibility conditions and provide the required documents.
- Be at least 18 years old and have a valid CPF (Cadastro de Pessoas FÃsicas), which is your taxpayer identification number in Brazil.
- Gather your identification documents (RG or CNH), proof of income, and a recent utility bill as proof of residence.
- Download the BV app or visit the official website to begin your application.
- Fill out the form with your personal and financial information and upload the necessary documents.
- BV will carry out a credit analysis to determine your approval.
- If your application is approved, you will receive the BV Elo Mais Card at your registered address within a few business days.
Turn Points Into Airline Miles
BV Merece points can be converted into miles with major Brazilian airlines. This section shows how conversion works and what you need.
You can transfer points to TudoAzul, Smiles, or LATAM Pass programs. For TudoAzul and Smiles, the conversion rate is 1:1, and the minimum is 10,000 points. For LATAM Pass, the conversion rate is also 1:1, but the minimum transfer amount is 15,000 points.
These transfers are done directly through the BV app. Watch out for special airline promotions to get bonus miles when converting.
Extra Benefits Included With the Card
The BV Elo Mais Card also gives you access to exclusive services. These are especially useful for those who value flexibility and support.
You get discounts at BV partner merchants nationwide. The card also allows you to access personal loans directly through the app.
You can check your score using the BV Deserve system. There are also assistance services for home and auto protection. All these extras are bundled with your card benefits.
Protecting Your BV Card and Finances
Your card comes with optional insurance services to secure your transactions. This ensures peace of mind when managing your money.
You can buy Protected Card Insurance through the BV app. This insurance covers unauthorized transactions using TED, DOC, and Pix. It also protects against theft, loss, and qualified robbery.
Additionally, cardholders can join federal lottery draws ranging from R$10,000 to R$30,000 monthly. You activate these protections and benefits directly in your app settings.
Manage Everything in the BV App
The BV app is where you control all your card activities. It’s available on both Android and iOS.
You can download the app from Google Play or App Store. Through the app, you can track balances, make payments, manage loans, and redeem points. You also access support, card settings, and insurance features.
The interface is designed for easy use with strong security features. Your previous "My BV" account tools are now built into this app.
Interest Rates and Financial Terms
Understanding the fees and interest is critical before using the card regularly. Here's what to keep in mind.
The monthly interest rate for late payments or revolving credit is around 14.9%, which may vary by user. Late payments incur a 2% penalty and daily interest until payment is made.
Cash advances or installment purchases may have different rates. Always check your contract or app to confirm exact values. Make full payments each month to avoid extra charges.
Disclaimer
Information about benefits and rewards may change over time. Always read the terms carefully before using the BV Elo Mais Card. Visit the official BV website for the most current details.
Get Help or Apply Today
If you have questions or want to apply, BV offers multiple support channels. Here’s how to reach them.
Visit the website to apply or check card options. Call 0800 772 8028 for customer service (Mon to Sat). The Ombudsman (Ouvidoria) number is 0800 707 0083, available on weekdays.
Use the app for support chats, tracking, and updates. If approved, your card will be delivered to your address in a few days.
Why the BV Elo Mais Card Is a Smart Choice?
The BV Elo Mais Card offers excellent value for anyone looking to earn rewards on daily purchases. You can redeem points for phone credits, products, or airline miles.
With extra protection and app control, it’s easy to manage. If you're looking for convenience, flexibility, and benefits, this card is worth considering.
