Banrisul Visa Infinite
The premium card from the Rio Grande do Sul bank, on the Visa Infinite network with points that convert to airline miles.
Overview
The Banrisul Visa Infinite is the highest-tier credit card issued by Banrisul, the state bank of Rio Grande do Sul, on the Visa Infinite network. It combines Visa's top-of-the-line benefits package (concierge, travel insurance, airport lounges) with the bank's own rewards program, BanriClube, whose points can be transferred directly to airline mileage programs. It targets high-income customers, especially in the state where Banrisul has a strong presence. It should not be confused with the Banrisul Mastercard Black, which is the bank's premium option on the Mastercard network. As this is a regional bank card, some conditions vary by analysis and may be updated by the issuer; always confirm on the official website and with customer service.
Who it's for
Suited to high-income clients, especially Banrisul account holders and investors in Rio Grande do Sul, who want a premium card with airport lounge access, robust travel insurance and points that transfer to airline miles.
Points earning
Points accrue through the BanriClube program: approximately 2.2 points per dollar on domestic purchases, 2.5 points per dollar on international purchases, and up to 5 points per dollar on recurring international transactions. Points typically remain valid for about 2 years.
Points program and transfers
Points accrue in Banrisul's own BanriClube program and can be redeemed for flights, hotel nights, travel packages and products, or transferred to partner airline programs (LATAM Pass, Smiles and Azul), often with promotional bonuses. The card does not transfer points to Livelo.
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
Banrisul offers progressive discounts on the annual fee based on spending: about 50% off for monthly spending around R$ 4,000 and full (100%) waiver for monthly spending from about R$ 8,000. Investors who hold a relevant volume of eligible investments at the bank (CDB, funds, LCI, LCA, savings, pension) may also obtain a waiver. Exact tiers may be updated by the issuer.
How to apply
Applications are made through Banrisul channels (branches, app, internet banking or call center), subject to credit analysis. Account holders and investors usually have an easier process. Always check the official site for current conditions.
Income or net worth range
Monthly income from R$ 10,000 (subject to credit analysis).
Typical requirements
- Proof of monthly income from R$ 10,000 (subject to analysis)
- Approval in Banrisul's credit analysis
- Preferably being an account holder and/or investor with the bank
Ways to obtain
- Apply at a Banrisul branch, via the app, internet banking or the call center
- Pass the credit analysis and income verification
- Account holders and investors may get easier annual fee waivers
VIP lounges
Airport lounge access via two programs: Visa Airport Companion, with 4 free visits per year per cardholder at over 1,000 lounges worldwide, and LoungeKey, with 1 free visit per calendar year (additional visits cost about US$ 32 each).
Network benefits
- Visa Infinite program, Visa's highest tier
- 24-hour Visa Concierge for assistance and reservations
- Visa Luxury Hotel Collection, with luxury hotel benefits
- Airport lounge access via Visa Airport Companion
- Emergency services such as card replacement and cash advance abroad
Insurance
- Travel medical emergency insurance
- Trip cancellation/interruption insurance
- Flight delay insurance
- Lost or damaged baggage insurance
- Purchase protection / purchase guarantee
Travel protections
- International travel medical and dental assistance
- Insurance certificate compatible with Schengen requirements
- Coverage for flight delay or cancellation
- 24-hour travel concierge
Airline benefits
- Point transfers to LATAM Pass, Smiles and Azul
- Direct flight redemption through BanriClube
Hotel benefits
- Visa Luxury Hotel Collection with upgrades, breakfast and amenities when available
- Redemption of BanriClube points for hotel nights
Car rental benefits
- Protection/insurance for rental vehicles (per Visa Infinite network rules)
✅ Advantages
- Visa Infinite network with a full premium benefits package
- Airport lounges via Visa Airport Companion (4 annual visits) and LoungeKey
- Points transferable directly to LATAM Pass, Smiles and Azul
- Full annual fee waiver achievable for higher spenders or investors
- Up to 3 free supplementary cards
⚠️ Disadvantages
- High minimum income (R$ 10,000)
- High full annual fee without the spend or investment discounts
- Does not transfer points to Livelo
- Availability and service more concentrated in Rio Grande do Sul
- Less public documentation as a regional bank card
History of relevant changes
- The Banrisul Visa Infinite is Banrisul's top-tier option on the Visa network, aimed at high-income customers, with a strong presence in Rio Grande do Sul.
Frequently asked questions
Does the Banrisul Visa Infinite transfer points to Livelo?
No. Points accrue in Banrisul's own BanriClube program and transfer directly to airline mileage programs: LATAM Pass, Smiles and Azul. There is no transfer to Livelo.
What is the minimum income for the card?
The required monthly income starts at R$ 10,000, subject to Banrisul's credit analysis.
How does the annual fee waiver work?
The full annual fee is about R$ 996 per year, with progressive discounts: roughly 50% for monthly spending around R$ 4,000 and full waiver from about R$ 8,000 per month. Investors with relevant holdings may also be exempt.
How many airport lounge visits does the card offer?
There are 4 free visits per year per cardholder via Visa Airport Companion, plus 1 free visit per year via LoungeKey (extra visits cost about US$ 32).
What is the difference from the Banrisul Mastercard Black?
They are premium cards on different networks: the Visa Infinite uses the Visa network (with Visa Airport Companion and Visa Concierge), while the Mastercard Black uses the Mastercard network. Network benefits differ, but both earn BanriClube points.
Sources consulted
Information gathered from official and specialized sources in 2026-07. Annual fee, income and rules change — always confirm on the issuer's official website.