Ourocard Mastercard Black
Banco do Brasil's Mastercard Black card for earning Livelo points and traveling without borders.
Overview
The Ourocard Estilo Mastercard Black is Banco do Brasil's high-income card on the Mastercard Black network. It combines points earning in the Livelo program (Livelo is co-owned by BB), airport VIP lounge access, and a package of travel insurance and protections. It is aimed at Estilo relationship clients and at those seeking exclusivity, differentiated service, and the ability to transfer points to airline programs such as LATAM Pass, Smiles, and Azul Fidelidade.
Who it's for
Recommended for Banco do Brasil high-income clients, preferably in the Estilo segment, who spend heavily on the card and want to turn that spending into Livelo points transferable to airline miles. It suits frequent travelers who value VIP lounges and international insurance.
Points earning
Approximately 2 points per US dollar spent on domestic purchases and 3 points per dollar on international purchases. Points are credited to the Livelo program. Values and rules may change; confirm on the official website.
Points program and transfers
Points are earned in the Livelo program, of which Banco do Brasil is a co-owner. From Livelo, points can be transferred to airline and loyalty programs such as LATAM Pass, Smiles, and Azul Fidelidade, plus other partners. This transfer flexibility is what gives value to the card's earning.
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
Banco do Brasil offers waivers or discounts on the annual fee depending on the relationship and the volume of spending/investments. According to specialized sources, there is a waiver for high bills (for example, above R$ 15,000) or a significant volume of investments. Conditions vary by profile and should be confirmed with the bank.
How to apply
Applications are made through Banco do Brasil channels: the BB app, internet banking, a relationship manager, or a branch. You must be an account holder, meet the required income, and pass a credit review. Estilo segment clients usually have a streamlined process.
Income or net worth range
Income from approximately R$ 10,000 (the exact requirement is set by the bank; Estilo clients may have specific conditions based on their available credit limit).
Typical requirements
- Be a Banco do Brasil account holder
- Prove the minimum income required by the bank
- Pass a credit review and limit approval
- Preferably have an Estilo segment relationship
Ways to obtain
- Apply through the Banco do Brasil app or internet banking
- Talk to your relationship manager or visit a branch
- Wait for the credit review and limit approval
VIP lounges
The card grants access to airport VIP lounges through the Mastercard/LoungeKey network. Note: since November 2025, Banco do Brasil changed the policy, and free access now depends on minimum spending (for example, around R$ 15,000 in quarterly bills); outside that condition, per-access fees apply. Some sources still cite annual complimentary LoungeKey visits. Confirm the current rules with the bank.
Network benefits
- Mastercard Black network with international acceptance
- Airport VIP lounge access via the Mastercard/LoungeKey network (subject to spending rules)
- Mastercard benefits and experiences program
- Contactless payments and digital wallets (Apple Pay, among others)
- Concierge and differentiated service
Insurance
- Medical and hospital expense insurance while traveling
- Baggage insurance (loss or delay)
- Extended product warranty
- Purchase protection against theft or damage
Travel protections
- Travel inconvenience insurance
- Coverage for baggage delay or loss
- International travel assistance
Airline benefits
- Transfer of Livelo points to LATAM Pass, Smiles, and Azul Fidelidade
- Higher earning on international purchases
Hotel benefits
- Offers and experiences through the Mastercard benefits platform
Car rental benefits
- Coverage for damage on car rentals (per Mastercard rules)
✅ Advantages
- Points earn in Livelo, with transfers to LATAM Pass, Smiles, and Azul
- Higher earning on international spending (3 pts/US$)
- Package of travel insurance and protections
- VIP lounge access via the Mastercard network
⚠️ Disadvantages
- High annual fee (R$ 1,098) with waiver conditioned on high spending/investment
- Free VIP lounge access now requires minimum spending since Nov 2025
- Must be a Banco do Brasil account holder
- Currency spread charged on international purchases
History of relevant changes
- Ourocard is Banco do Brasil's line of credit cards, and the Mastercard Black version is positioned in the high-income segment.
- In 2025, Banco do Brasil revised the card's VIP lounge benefits, conditioning free access on minimum quarterly spending.
Frequently asked questions
Which program do I earn points in with the Ourocard Mastercard Black?
Points are earned in the Livelo program, of which Banco do Brasil is a co-owner, and can be transferred to LATAM Pass, Smiles, and Azul Fidelidade, among other partners.
What is the card's annual fee?
The annual fee is around R$ 1,098.00 for the primary cardholder (12x R$ 91.50). Waivers or discounts may apply depending on the relationship and volume of spending or investments.
How many points does the card earn?
Approximately 2 points per dollar on domestic purchases and 3 points per dollar on international purchases, credited to Livelo.
Does the card offer VIP lounge access?
Yes, through the Mastercard/LoungeKey network. Since Nov 2025, however, free access depends on minimum spending (around R$ 15,000 quarterly); otherwise a per-access fee applies.
What income is required to get the card?
The required income starts at around R$ 10,000, subject to the bank's review. Estilo segment clients may have specific conditions.
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.