Bradesco Aeternum Visa Infinite
Bradesco's ultra-premium card for Private clients, with 4 Livelo points per dollar and virtually unlimited lounge access.
Overview
The Bradesco Aeternum Visa Infinite is Bradesco's top-tier card, aimed at the Private/ultra-high-income segment. Its main draw is earning 4 Livelo points per dollar spent, on both domestic and international purchases, with points that do not expire while the card is active. It pairs this with a full Visa Infinite package, including virtually unlimited lounge access for the cardholder via Visa Airport Companion (Dragon Pass) and LoungeKey, plus Bradesco's own VIP lounges in Brazilian airports. It is a relationship product, typically offered to clients with a large volume invested at the bank. Note: the annual fee amounts reported vary across sources (roughly R$ 1,920 to R$ 2,112 per year); always confirm with your manager or official channels.
Who it's for
Aimed at Bradesco Private or ultra-high-income clients with a strong investment volume at the bank and high card spending, who value aggressive Livelo point earning, unlimited lounge access and premium concierge services.
Points earning
The card earns 4 Livelo points per dollar (approx. US$ 1) spent, applying the same rate to domestic and international purchases. Points do not expire while the card is active. It is one of the highest earn rates among Brazilian bank cards. On international purchases, factor in the IOF tax and the currency spread charged on the conversion.
Points program and transfers
Points are credited to the Livelo program, of which Bradesco is a partner. From Livelo you can transfer to several partner mileage and loyalty programs, such as LATAM Pass, Smiles, Azul Fidelidade and TAP Miles&Go, and redeem products and services in the Livelo catalog. Transfer options and bonuses vary by campaign.
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 waiver is normally conditioned on maintaining a high investment volume at Bradesco (sources cite the R$ 5 million range). As a Private relationship card, conditions may be negotiated individually with the manager. Always confirm current rules through official channels.
How to apply
The Aeternum is an invitation/relationship card. It is normally offered by the Private segment manager to clients who meet the investment criteria. Interested clients should contact their Bradesco manager or Private service to check eligibility; there is no standard open application as with retail cards.
Income or net worth range
There is no widely disclosed official minimum income; the product targets the Private segment, and the fee waiver is usually tied to around R$ 5 million invested at Bradesco (confirm with the bank).
Typical requirements
- Be a Bradesco client, generally in the Private/high-income segment
- Maintain a significant volume invested at the bank (sources cite the R$ 5 million range for full fee waiver)
- Pass the bank's credit and relationship review
Ways to obtain
- Be a Bradesco Private or high-income client
- Check eligibility with your relationship manager
- Meet the investment/relationship criteria
- Wait for review and card issuance
VIP lounges
As a top-tier Visa Infinite, it offers virtually unlimited lounge access for the cardholder via Visa Airport Companion (Dragon Pass network) and LoungeKey, plus Bradesco's own VIP lounges in Brazilian airports (such as Sao Paulo, Rio de Janeiro, Parana, Distrito Federal and Pernambuco). Sources cite 12 guest visits per year; additional visits may be charged. Confirm the current conditions.
Network benefits
- Visa Airport Companion / Dragon Pass for lounge access
- LoungeKey
- Visa Luxury Hotel Collection (luxury hotel benefits)
- Visa Concierge 24/7
- Fast Pass in priority lines at select airports
- Coverage and assistance from the Visa Infinite package
Insurance
- International travel medical emergency insurance
- Baggage insurance (loss, delay or damage)
- Typical coverages of the Visa Infinite package (confirm conditions and limits in the terms)
Travel protections
- Flight delay and cancellation assistance
- Missed connection coverage
- 24h travel assistance via concierge
Airline benefits
- Earn 4 Livelo points per dollar on airline purchases
- Transfer Livelo points to partner airline programs
Hotel benefits
- Visa Luxury Hotel Collection: room upgrade when available, breakfast, on-property credit and late check-out at participating hotels
Car rental benefits
- Benefits and offers at Visa Infinite partner car rental companies (confirm rental car insurance coverage in the terms)
✅ Advantages
- High earn rate of 4 Livelo points per dollar, domestic and international
- Points do not expire while the card is active
- Virtually unlimited lounge access for the cardholder
- Full Visa Infinite package (concierge, luxury hotels, travel insurance)
- Flexible transfers via Livelo to several airlines
⚠️ Disadvantages
- Fee waiver requires a very high investment volume (R$ 5 million range)
- Restricted to Private/ultra-high-income clients, hard to obtain
- High annual fee with values differing across sources
- IOF tax and currency spread apply to international purchases
History of relevant changes
- The Aeternum is Bradesco's flagship card, aimed at the Private/ultra-high-income segment.
- In 2026 Bradesco kept the Aeternum's fee-waiver criteria tied to invested volume, reinforcing its ultra-premium positioning.
Frequently asked questions
How many points does the Bradesco Aeternum earn?
It earns 4 Livelo points per dollar spent, at the same rate for domestic and international purchases.
Do the points expire?
No. Livelo points do not expire while the card is active.
What is the annual fee and how do I get a waiver?
Sources indicate an annual fee in the R$ 1,920 to R$ 2,112 range, with a waiver usually tied to around R$ 5 million invested at Bradesco. Confirm current values with the bank.
How does lounge access work?
The cardholder has virtually unlimited access via Visa Airport Companion (Dragon Pass) and LoungeKey, plus Bradesco's own VIP lounges; sources cite 12 guest visits per year.
To which programs can I transfer the points?
Via Livelo you can transfer to partners such as LATAM Pass, Smiles, Azul Fidelidade and TAP Miles&Go, among others, subject to campaigns.
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.