Ourocard Visa Altus Infinite
Banco do Brasil's most exclusive metal card, reserved for the Private segment.
Overview
The Ourocard Altus Visa Infinite is Banco do Brasil's flagship card, created in partnership with Visa for the ultra-high-net-worth clients of the BB Private segment. It is a metal, invitation-only card that packs the full Visa Infinite ceiling of benefits: unlimited VIP lounge access, concierge, robust insurance and boosted points earning on international spend. Points are credited to the Livelo program and never expire while the card is active, allowing transfers to several airline programs. It is a niche product with a high annual fee and restrictive access criteria, but with one of the strongest travel value propositions in the Brazilian market.
Who it's for
Ultra-high-net-worth BB Private clients who spend heavily, travel frequently and value unlimited VIP lounges, concierge and aggressive points earning on international purchases.
Points earning
On international purchases the card earns up to 4 points per dollar under a promotional condition disclosed as valid until 09/30/2026; once the promotion ends, the base rate is 2.5 points per dollar. Points are credited to the Livelo program and do not expire while the card is active. The earning rate on domestic (real) purchases is not officially and transparently disclosed by the bank — confirm with your manager. International purchases carry an FX spread (around 4%) plus IOF tax.
Points program and transfers
Earning is done through the Livelo program. From Livelo you can transfer points to partner airline programs such as Latam Pass, Smiles, Azul Fidelidade and TAP Miles&Go, and take advantage of frequent transfer bonus promotions. Some international and hotel partners also appear in specialized sources, but the list may vary — check the active options on Livelo at the time of transfer.
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 annual fee can be waived with monthly spending from R$ 25,000.00 on the card (primary and additional). The calculation typically excludes bill/boleto payments, the annuity installments themselves, protection services, cash withdrawals and finance charges. Confirm current rules with your Private manager, as amounts and conditions may change.
How to apply
The Altus Visa Infinite has no open public application. Access is by bank invitation or through the BB Private relationship manager. Interested clients should contact their manager to check eligibility and availability.
Income or net worth range
Exclusive to the BB Private segment, generally requiring investments from R$ 3 million; no officially disclosed minimum income.
Typical requirements
- Be a BB Private segment client
- Investments/assets from R$ 3 million at the bank (per specialized sources)
- Issued by invitation or Private manager referral
- Internal Banco do Brasil credit approval
Ways to obtain
- Be a Banco do Brasil Private-segment account holder
- Receive a bank invitation or request it from the Private manager
- Pass internal relationship and credit review
- Receive the metal card and unlock it via app, internet banking, QR Code or call center
VIP lounges
Unlimited free access, with guests, to LoungeKey and Dragon Pass VIP lounges, covering more than 1,300 airport lounges and restaurants worldwide. Also includes the Visa Airport Companion service.
Network benefits
- 24h Visa Infinite Concierge
- Visa Airport Companion
- Unlimited LoungeKey and Dragon Pass VIP lounge access
- International medical emergency insurance
- Purchase protection (up to 180 days)
- Extended warranty (up to 1 additional year)
- Medical guidance / telemedicine
- Emergency services: card replacement and cash advance
Insurance
- International travel medical emergency insurance
- Purchase protection against theft/robbery and damage
- Original manufacturer extended warranty
- Baggage insurance (loss/delay)
- Travel and cancellation insurance (per Visa Infinite terms)
Travel protections
- Baggage delay and loss coverage
- Trip cancellation protection
- Missed connection coverage
- Emergency card replacement abroad
- Emergency cash advance
Airline benefits
- Boosted points earning on international purchases, transferable to Latam Pass, Smiles, Azul Fidelidade and TAP Miles&Go via Livelo
- Unlimited airport VIP lounges for pre-boarding comfort
Hotel benefits
- Hotel benefits and exclusive experiences through the Visa Infinite Luxury Hotel Collection portfolio (per network terms)
Car rental benefits
- Offers and discounts with Visa Infinite partner rental car companies (per current network terms)
✅ Advantages
- Unlimited VIP lounges (LoungeKey + Dragon Pass) with guests
- Premium metal card with a strong Visa Infinite package
- High earning on international purchases (up to 4 pts/US$)
- Points that never expire while the card is active
- Concierge and robust travel insurance
⚠️ Disadvantages
- Very restricted access (BB Private only, by invitation)
- High annual fee (R$ 1,800/year) and waiver requires R$ 25k/month in spending
- FX spread of around 4% on international purchases
- Low transparency on domestic earning rate
- The 4 pts/US$ condition is promotional, with a set deadline
History of relevant changes
- Launched in 2023 in a partnership between Banco do Brasil and Visa as the flagship card of BB Private, with a metal body and QR Code unlocking.
- In 2024/2025 BB raised the Altus annual fee from R$ 1,440 to R$ 1,800 per year.
- In 2025/2026 the premium earning condition (up to 4 pts/US$) was maintained, with a deadline disclosed as 09/30/2026, and the bank also introduced the Altus Liv Visa Infinite variant.
Frequently asked questions
What income or assets do I need for the Altus Visa Infinite?
There is no officially disclosed minimum income. The card is exclusive to the BB Private segment, which typically requires investments from R$ 3 million, and it is issued by invitation or manager referral.
How much is the annual fee and how can I waive it?
The annual fee is R$ 1,800.00 per year (12x R$ 150.00). It can be waived with monthly spending from R$ 25,000.00 on the card; confirm the current rules with your Private manager.
How many points does the card earn?
On international purchases it earns up to 4 points per dollar under a promotional condition disclosed until 09/30/2026 (base of 2.5 pts/US$ afterward). Points go to Livelo and do not expire. The domestic earning rate is not officially disclosed.
How does VIP lounge access work?
The card provides unlimited free access, with guests, to LoungeKey and Dragon Pass VIP lounges, with over 1,300 locations worldwide, plus the Visa Airport Companion.
Which programs can I transfer points to?
Points accrue in Livelo, and from there they can be transferred to partners such as Latam Pass, Smiles, Azul Fidelidade and TAP Miles&Go, plus bonus promotions. Check the active partners on Livelo at the time of transfer.
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.