The Ourocard Visa Platinum is a multifunction credit card issued by Banco do Brasil. It offers travel perks, cashback, and rewards tailored for Brazilian users. The card also supports a flexible points system through the Livelo program.
If you're looking for a reliable card with benefits that adapt to your lifestyle, this one delivers. You also benefit from tools that help manage spending and reward preferences all in one place.
What Is the Ourocard Visa Platinum Card?
This card was created for Banco do Brasil account holders who want premium-level services. Ourocard Visa Platinum works in Brazil and abroad, including online purchases.
You can manage it fully through the Banco do Brasil app. The card combines convenience, security, and access to the Visa Platinum benefits. It’s designed to match the needs of both everyday spenders and frequent travelers.
How the Points Program Works?
You earn 1.2 Livelo points for every US$1.00 spent on your Ourocard Visa Platinum. These points are automatically credited to your Livelo account. If you prefer, you can switch your program to Dotz instead.
Account holders can also opt to turn their spending into cashback or investment. This flexibility allows you to align your card’s rewards with your financial goals.
Cashback, Investment, or Points – You Choose
With this card, you decide how to be rewarded. Banco do Brasil allows you to convert part of your spending into one of three options:
- Points: You earn Livelo points by default. These points can be used for travel, shopping, or service discounts. They can also be transferred to partner programs or exchanged for experiences.
- Investment: 0.75% of your billed amount goes into a fixed income fund. The fund is credited within four business days and is redeemable anytime.
- Cashback: 0.75% cashback is deposited directly into your checking account within three business days. It’s ideal for those who want direct financial return from their spending.
How to Apply for the Ourocard Visa Platinum?
You must be a Banco do Brasil (BB) client to apply. Applicants should have a valid CPF, proof of income, and be at least 18 years old.
You can apply through the BB app, official website, or at a branch. The card is linked to your checking account for better integration. Approval times may vary based on credit evaluation.
Step-By-Step Guide to Applying Online
Applying through the BB App is fast and guided. Just follow these steps:
- Log in to your BB App (Google Play or App Store) using your account credentials.
- Navigate to the "My Benefits" or "Cards" section.
- Select "Points or Cashback/Investment".
- Choose the Ourocard Visa Platinum option and complete the application.
- Submit the required documents and confirm your selected benefit.
Not a BB Account Holder Yet?
To get the Ourocard Visa Platinum, you need a Banco do Brasil checking account. Opening one is free and can be done digitally.
Once you're a client, the card can be requested directly through your online banking area. Non-clients get Livelo points by default but can switch to Dotz. Having a BB account also gives you access to exclusive customer service features.
Visa Platinum Benefits
Your card comes with global Visa Platinum perks. These include travel insurance, extended warranties, and purchase protection. To use the travel insurance, you must issue the insurance ticket through the Visa website.
The insured item must be purchased with the Ourocard Visa Platinum card. These protections make the card valuable for travelers who want peace of mind.
Banco do Brasil Exclusive Benefits
Ourocard Platinum also provides benefits through BB platforms. These include the Customer Service Center, Emergency Card Replacement, and Emergency Withdrawal Service.
You can request help through the BB app or by calling the support number. These services are available domestically and abroad. It's a useful layer of support when you need assistance with your card while traveling.
Digital Tools and Convenience
The card is built for digital users. You get access to Ourocard-e, a virtual version for online purchases. The card is compatible with Apple Pay, Google Pay, Samsung Pay, and also the Ourocard Bracelet.
NFC-based contactless payments are enabled. The virtual card helps prevent fraud during online transactions.
Travel and Toll Perks: BB Tag
With BB Tag, you skip toll lines and parking queues. The card provides 100% coverage on toll roads in Brazil. This makes commuting and traveling faster and more convenient.
It's a key advantage for users who travel by car regularly. You won’t need to stop for payments, which saves time daily.
Access to the Ourocard Benefits Platform
Ourocard cardholders get special entertainment and lifestyle deals. Through the benefits platform, you can find discounts on tickets, shows, and cultural events.
These offers are redeemable using your card or your Livelo points. It's a useful feature for families and active users. You can regularly check the app to find new offers.
Annual Fee and Discount Rules
The full annual fee is R$546, payable in 12 installments of R$45.50. You can add up to five supplementary cards at 50% of the main fee. If you spend at least R$6,000 monthly, your annual fee can be waived.
Note that fees, charges, or withdrawals don’t count toward this minimum. Monitoring your spending through the app can help ensure you hit the target.
How to Track and Manage Your Benefits?
The BB App lets you view and switch your selected benefit. You can monitor point accumulation, investment balance, or cashback history. The app also allows you to manage card limits and request additional services.
All features are available in the "Cards" or "My Benefits" menu. Push notifications and alerts help you stay updated.
Tips to Maximize Points and Rewards
You can increase your point earnings with a few smart moves:
- Use your card for everyday purchases, bills, and subscriptions.
- Pay your full balance monthly to avoid interest charges.
- Link your card to your digital wallets for fast payments.
- Use Livelo promotions to get more value from your points.
- Monitor seasonal campaigns that offer bonus points for specific categories.
Frequently Asked Questions
Here are some common questions about the BB App, cashback, investment options, and international fees. Get quick answers to help you manage your account effectively.
- Can I switch between points, cashback, and investment? Yes, anytime via the BB App.
- Do I need to request Livelo activation? No, it starts automatically.
- How long until cashback is credited? Three business days after you pay your bill.
- Is the investment liquid? Yes, you can redeem it any time after the deposit.
- Are there international fees? Yes, standard international fees may apply depending on the transaction.
Final Verdict: A Flexible and Powerful Card
The Ourocard Visa Platinum is a smart choice for those who want control over their rewards. You can choose between points, cashback, or investments with ease. The Visa Platinum features and BB app tools make it even more functional.
If you're a Banco do Brasil client or planning to be, this card gives you flexibility and benefits that fit your lifestyle. It's a versatile option for those who value custom rewards and digital convenience.
