The XP Visa Infinite Card is designed for investors who want to earn cashback while growing their portfolio.
Unlike traditional cards, it offers 1% cashback directly into your XP investment account.
This guide explains how the card works, its benefits, and the application process.
Main Features of the XP Visa Infinite Card
Here are the key features that distinguish the XP Visa Infinite Card.
These benefits are designed to reward your investment habits and provide premium services at no additional cost.
- 1% Cashback on Investments: Earn 1% cashback on all purchases, automatically reinvested in your XP account to grow your portfolio.
- No Annual Fee: The card has no annual maintenance fee, provided you maintain a minimum investment balance with XP.
- Visa Infinite Benefits: Includes LoungeKey access, travel insurance, concierge services, extended warranty, and premium hotel privileges.
- Fully Integrated with XP Platform: You can manage your card, cashback, and investments in one place through the XP app or website.
- International Acceptance: Use the card worldwide with Visa’s global network, including online and in-person transactions.
- Secure and Digital: Comes with virtual card options, biometric security, and in-app tracking for real-time management.
Card Requirements
Here are the eligibility requirements for the XP Visa Infinite Card. You need to meet them before you can apply:
- Have an XP account: You must be an active XP Investimentos client.
- Minimum investment amount: Keep at least R$5,000 invested with XP. Higher amounts may unlock more benefits.
- Be at least 18 years old: The card is only available to individuals who are at least 18 years old and reside in Brazil.
- Provide valid documents: You’ll need a CPF, proof of residence, and income details.
- Pass XP’s internal review: XP checks your credit and investment profile before approving the card.
How to Apply
Here’s a simple guide to applying for the XP Visa Infinite Card. Follow these steps to submit your request smoothly through the XP platform.
- Log in to the XP platform: Open the XP app or website and sign in with your account.
- Go to the credit card section: Navigate to “Cartões” or “Products” and select the XP Visa Infinite option.
- Fill in the application form: Provide your info, CPF, proof of residence, and income details.
- Confirm your investment balance: Ensure you have a minimum balance of R$5,000 required for eligibility.
- Submit your application: Review your info and send it in for XP’s internal credit review.
- Wait for approval: XP typically responds within a few business days based on your profile.
- Receive your card: Once approved, it will be mailed to your address—both virtual and physical versions are included.
Benefits for Investors
This card offers unique advantages tailored for investors. Instead of traditional rewards, it helps you grow your portfolio with every purchase.
- 1% Cashback into Investments: Every purchase earns 1% cashback, which is automatically invested in your XP account.
- Passive Wealth Growth: Your everyday spending contributes to building long-term financial value.
- No Points Expiration or Conversion Hassles: Cashback goes directly into investments—no need to redeem or track points.
- Fully Integrated with Investment Platform: Manage your card and investment portfolio in one place using the XP app.
- Encourages Financial Discipline: Reinforces the habit of saving and investing rather than spending rewards on consumption.
Fees, Rates, and Important Terms
Before using the card, it’s essential to understand the fees and interest rates associated with it.
Here’s a clear breakdown of the main financial terms in Brazil.
- Annual Fee: R$0 (no annual fee as long as you meet the investment requirement)
- Interest on Revolving Credit: Up to 9.9% per month
- Late Payment Fee: 2% fine on the overdue amount
- Monthly Late Interest: 1% applied on unpaid balances
- IOF (Tax on Financial Operations): 0.38% on each transaction + 0.0082% per day
- International Purchases: Charged in USD using the Visa exchange rate + 6.38% IOF
- Cash Withdrawals: Not recommended; subject to additional fees and interest
Comparison With Other Premium Cards
When considering a premium credit card, it's helpful to compare features across different options.
Here’s how this card stands next to other popular high-tier cards in Brazil.
vs. Nubank Ultravioleta
- XP offers cashback into investments; Nubank provides 1% cashback credited to your account or invested.
- XP has no annual fee with investment requirement; Nubank waives the R$49 fee only with R$5,000+ in monthly spending.
- Both offer Visa Infinite perks like travel insurance and airport lounge access.
vs. C6 Bank Carbon
- C6 uses a points program (Átomos) for rewards, while XP offers direct investment cashback.
- C6 Carbon has a monthly fee, waived if you spend R$8,000/month or invest R$50,000+.
- Both cards provide LoungeKey access and Visa Infinite benefits.
vs. Itaú Personnalité Visa Infinite
- Itaú requires a strong banking relationship and higher income.
- Offers points convertible to airline miles; XP focuses on cashback for long-term growth.
- Itaú’s annual fee is usually charged unless negotiated.
This comparison shows that XP is best suited for investors, while others may appeal more to consumers who prioritize travel miles or traditional rewards.
Customer Support and Contact Channels
Here are the official support channels available if you need help with your account or credit card.
XP offers multiple channels for team members to reach out with questions or service issues.
- In-App Chat Support: Available directly through the XP app after logging in.
- Customer Service (SAC): Phone: 0800 772 0202 – Free and available 24/7.
- Ombudsman (Ouvidoria): Phone: 0800 722 3730 – For unresolved complaints, available on weekdays from 9 a.m. to 6 p.m.
- Official Website: Includes help center, contact forms, and service information.
To Conclude
The XP Visa Infinite Card is a smart choice for investors seeking to transform everyday spending into long-term financial growth.
With no annual fee and 1% cashback directly into your investment account, it offers real value without the complexity of traditional rewards.
If you're ready to boost your portfolio while enjoying premium benefits, apply for the XP Visa Infinite Card today through the XP app or website.
Disclaimer
Approval for the XP Visa Infinite Card is subject to XP Investimentos’ internal analysis and eligibility criteria.
Cashback rates, fees, and card benefits are subject to change without prior notice, as per the institution’s policies.
