Banrisul Mastercard Black
Banrisul's premium card, turning points into miles with VIP lounge access.
Overview
The Banrisul Mastercard Black is the high-income card from Banrisul, the regional bank of Rio Grande do Sul, on the Mastercard Black network. It combines the Banriclube points program, VIP lounge access through the Mastercard Airport Experiences network, and the network's insurance and protection package. Aimed at demanding clients, it offers solid point earning, a first-year annual fee waiver during promotions, and the ability to convert points into airline miles. As a regional bank product, public documentation is more limited, and some details may vary by current campaign and credit analysis.
Who it's for
Ideal for high-income Banrisul clients, residents of Rio Grande do Sul, and travelers who want to accumulate points and transfer them to mileage programs while enjoying VIP lounges and travel insurance.
Points earning
Earning through the Banriclube program: about 2.2 points per dollar on domestic purchases, 2.5 points per dollar on international purchases, and up to 5.0 points per dollar on recurring transactions. Points valid for roughly 24 months.
Points program and transfers
Banriclube is Banrisul's points program. Points can be redeemed for airline tickets, hotel stays, travel packages, and merchandise, and also converted into miles from airline programs such as LATAM Pass, Smiles, and Azul Fidelidade. There is no confirmed transfer to Livelo — Banriclube operates as its own program with direct transfers to airlines.
Related promotions and news
Transfer bonuses and updates from the programs linked to this card, updated live.
Transfer promotions
Miles news
Annual fee and waiver rules
The fee can be discounted 50% with monthly spending from R$ 4,000 and 100% with spending from R$ 8,000 per month. There is also a waiver by maintaining a high balance in qualified investments (CDB, funds, LCI, LCA, private pension). Rules vary by current campaign; confirm with the bank.
How to apply
Applications are made at Banrisul branches, through internet banking, the Banrisul app, or the call center, subject to credit analysis and relationship with the bank.
Income or net worth range
Suggested minimum monthly income of R$ 10,000 (subject to credit analysis).
Typical requirements
- Be a Banrisul account holder or open an account
- Prove the minimum required monthly income
- Pass a credit analysis
- Have a valid CPF (tax ID)
Ways to obtain
- Apply at a Banrisul branch or via digital channels
- Wait for the credit and relationship analysis
- After approval, receive and activate the card
- Register in the Mastercard Airport Experiences app for VIP lounges
VIP lounges
VIP lounge access through the Mastercard Airport Experiences network, with about 4 free visits per year per cardholder across more than a thousand lounges worldwide. There is also access to the Mastercard Black lounges at Guarulhos Airport (Terminal 3). Additional visits are charged separately.
Network benefits
- Mastercard Black network with global acceptance
- Mastercard Airport Experiences with VIP lounges
- MasterAssist Black (travel medical assistance)
- Purchase protection and original extended warranty
- Mastercard concierge service
Insurance
- MasterAssist Black - international travel medical insurance
- Baggage loss or delay insurance
- Purchase protection against damage or theft
- Original extended warranty
Travel protections
- Medical coverage compatible with the Schengen Treaty
- Travel inconvenience protection
- Emergency assistance abroad
Airline benefits
- Convert points into LATAM Pass, Smiles, and Azul Fidelidade miles
- Redeem points for airline tickets
Hotel benefits
- Redeem Banriclube points for hotel stays and travel packages
Car rental benefits
- Car rental benefits according to Mastercard Black offers
✅ Advantages
- First-year annual fee free during campaigns
- Good point earning rate
- Point transfers to three airline programs
- VIP lounges via Mastercard Airport Experiences
⚠️ Disadvantages
- High annual fee after the promotional period
- Requires a relationship with a regional bank
- Limited public documentation
- Limited free VIP lounge visits per year
Frequently asked questions
What is the minimum income for the Banrisul Mastercard Black?
The suggested minimum monthly income is R$ 10,000, subject to credit analysis.
What is the annual fee?
About R$ 888.00 per year, with the first year free during campaigns and discounts based on monthly spending.
Do points become miles?
Yes. Banriclube points can be converted into LATAM Pass, Smiles, and Azul Fidelidade miles.
Is there VIP lounge access?
Yes, through the Mastercard Airport Experiences network, with about 4 free visits per year, plus the Mastercard lounges at Guarulhos.
Does it transfer points to Livelo?
There is no confirmed transfer to Livelo; Banriclube transfers directly to airline programs.
Information gathered from official and specialized sources in 2026-07. Annual fee, income and rules change — always confirm on the issuer's official website.