C6 Carbon Mastercard Black
A Mastercard Black card that matches your level: earn up to 3.5 Átomos points per dollar, transfer to major airlines, and easily waive the annual fee.
Overview
The C6 Carbon is C6 Bank's Mastercard Black card, aimed at high-income clients and investors. It earns points in the C6 Átomos program — which never expire — on a tiered model ranging from 2.5 to 3.5 points per dollar spent, depending on how much the client keeps invested at the bank. Points can be transferred to programs such as Livelo, LATAM Pass, Smiles, TudoAzul and TAP Miles&Go. The annual fee is roughly R$ 98/month (about R$ 1,176/year), but it can be fully waived by meeting spending or investment criteria. The card carries Mastercard Black benefits and VIP lounge access, whose rules were updated during 2025/2026.
Who it's for
Suited to high-income clients or those who hold investments at C6 Bank, travel frequently, and want to accumulate non-expiring points to transfer to airlines. It is especially attractive for those who can waive the annual fee via monthly spending or CDB investments, and for those investing R$ 1 million or more, a tier that unlocks the highest earning rate and expanded VIP lounge access.
Points earning
Earning is based on dollars (US$) spent, meaning purchases in reais are converted to dollars to calculate points. The rate varies by amount invested at the bank: generally 2.5 points/US$ at the entry level, 2.7 points/US$ (around R$ 250k–500k invested), 3.0 points/US$ (R$ 500k–1M) and 3.5 points/US$ above R$ 1 million. Exact tiers may vary; confirm in the app.
Points program and transfers
Points accumulate in the C6 Átomos program, whose main advantage is that they never expire. Átomos can be transferred to partner programs such as Livelo, LATAM Pass, Smiles, TudoAzul and TAP Miles&Go, and you can take advantage of bonus transfer promotions. Conversion ratios are not fixed and change with campaigns — check the current rate in the app before transferring.
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 fully waived by meeting at least one criterion: monthly spending of R$ 8,000 or more on the card (primary + supplementary) OR keeping about R$ 50,000 invested in C6 Bank CDBs. Clients with R$ 1 million or more invested also qualify for a waiver. Exact figures may change; always confirm in the app before applying.
How to apply
You apply through the C6 Bank app. You must open a (free) account at the bank, pass the credit analysis, and request the Carbon card within the app. Limit and approval depend on the client's relationship and profile; keeping investments at the bank tends to ease approval and improve benefit tiers.
Income or net worth range
C6 Bank does not officially disclose a fixed minimum income for the Carbon; approval depends on credit analysis and the client's relationship with the bank. As a high-income Black card, its target audience typically has high income or a significant investment volume.
Typical requirements
- Be a C6 Bank account holder (free account opening via the app)
- Pass the bank's credit analysis
- Request the C6 Carbon card through the app
- Maintaining a relationship/investments at C6 tends to ease approval and unlock better points tiers
Ways to obtain
- Open a C6 Bank account through the app
- Request the C6 Carbon card within the app
- Wait for the credit analysis
- Once approved, activate the card and, if desired, set up investments/spending to waive the fee and move up points tiers
VIP lounges
VIP lounge access changed in 2025/2026 and varies by profile. In general, the card offers a limited number of complimentary annual visits (shared among primary, supplementary and companions) to the DragonPass and W Premium networks, with unlimited access for those with high monthly spending; LoungeKey access became paid (charged per visit); and the Mastercard Black lounge in Guarulhos requires a minimum recent spend. Clients with R$ 1 million or more invested get expanded/unlimited network access. Since these rules changed recently and vary by tier, confirm current conditions in the app before traveling.
Network benefits
- Mastercard Black network benefits
- 24h Mastercard Concierge for reservations and experiences
- Priceless Cities and exclusive experiences
- Corkage fee waiver at partner restaurants
- Global travel assistance in Portuguese
- Purchase protection and extended warranty (per Mastercard rules)
Insurance
- Travel insurance with medical assistance
- Baggage insurance
- Rental car insurance (collision, theft and fire)
- Purchase protection and extended warranty (per Mastercard Black rules)
Travel protections
- 24-hour global travel assistance in Portuguese
- Concierge for reservations and travel emergencies
- Travel and baggage insurance tied to the network
Airline benefits
- Transfer of Átomos points to LATAM Pass, Smiles, TudoAzul and TAP Miles&Go
- Transfer to Livelo, expanding redemption options
- Non-expiring points, allowing you to accumulate without pressure
Hotel benefits
- Access to Mastercard Priceless experiences and offers
- Concierge for hotel and experience bookings
Car rental benefits
- Rental car coverage (collision, theft and fire) per Mastercard Black rules
- Offers and benefits at Mastercard partner rental agencies
✅ Advantages
- C6 Átomos points that never expire
- Earn up to 3.5 points per dollar at the highest tiers
- Transfers to Livelo and major airlines (LATAM, Smiles, TudoAzul, TAP)
- Annual fee relatively easy to waive via spending or investment
- Full Mastercard Black network benefits
⚠️ Disadvantages
- Best earning rate and unlimited VIP access require high investment volumes
- VIP lounge rules changed and became more restrictive (LoungeKey is now paid)
- Transfer ratios are not fixed and depend on promotions
- Earning per dollar can yield less during periods of a weak exchange rate
History of relevant changes
- C6 Bank's Mastercard Black card, integrated with the C6 Átomos points program.
- In June 2025, C6 Bank changed the Carbon's VIP lounge access rules, extending the expanded package (previously exclusive to Graphene) to clients with R$ 1 million invested.
- Throughout 2025/2026, the bank adjusted VIP lounge policies, including charging for LoungeKey access and requiring a minimum spend for the Mastercard Black lounge in Guarulhos.
Frequently asked questions
Does the C6 Carbon have an annual fee?
Yes, about R$ 98/month (roughly R$ 1,176/year), but it can be fully waived with monthly spending of R$ 8,000 or more, or about R$ 50,000 invested in C6 CDBs. New clients usually get the first 3 months free.
How many points does the C6 Carbon earn?
From 2.5 to 3.5 Átomos points per dollar spent, depending on the amount invested at the bank: 2.5 at the entry level and up to 3.5 above R$ 1 million invested.
Do Átomos points expire?
No. The main advantage of the C6 Átomos program is that points do not expire, letting you accumulate at your own pace.
Which programs can I transfer points to?
Livelo and airlines such as LATAM Pass, Smiles, TudoAzul and TAP Miles&Go. Conversion ratios vary with promotions.
How does VIP lounge access work?
The rules changed in 2025/2026: there is a limited number of complimentary visits to the DragonPass and W Premium networks, unlimited access for those with high monthly spending or R$ 1 million invested, and LoungeKey became paid. Confirm current conditions in the app.
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.