Caixa Diners Club
CAIXA's premium card on the Elo/Diners Club network, with points that never expire and transfers to airlines.
Overview
The CAIXA Elo Diners Club is CAIXA Econômica Federal's high-income credit card, issued under the Diners Club brand on the Elo platform. It earns points in CAIXA's loyalty program (now migrated to UAU CAIXA), which can be transferred to airline programs. It offers free VIP lounge visits via Priority Pass, insurance and cashback that can waive the annual fee depending on monthly spend. Note: sources disagree on the exact annual fee and points rate, so figures here are shown as ranges; always confirm on CAIXA's official channel.
Who it's for
Aimed at high-income customers, especially CAIXA account holders seeking points that never expire, transfers to airline miles and travel benefits, and who can reach a monthly spend high enough to earn cashback on the annual fee.
Points earning
Points earning: sources disagree between 2.5 and 3 points per US$ 1 on domestic purchases and between 3.5 and 4 points per US$ 1 on international purchases. A key advantage is that points do not expire for holders of this card.
Points program and transfers
Points are earned in CAIXA's card loyalty program, now unified under UAU CAIXA. There is no transfer to Livelo. Points can be transferred to partner airline programs (LATAM Pass, Smiles, TudoAzul/Azul Fidelidade and TAP Miles&Go) and to Dotz, plus redemptions for products, travel and experiences.
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
CAIXA applies cashback on the annual fee based on monthly spend: sources indicate 50% discount with a bill from about R$ 5,000 to R$ 7,000/month and 100% waiver with a bill from about R$ 10,000 to R$ 14,000/month. Thresholds vary between sources; confirm in the official terms.
How to apply
You can apply at CAIXA branches, through the Cartões CAIXA app, Internet Banking or official service channels, subject to credit analysis and income verification.
Income or net worth range
Income not officially disclosed in a standardized way; sources indicate a need for high income/limit (market reference from R$ 25,000 in credit limit). Confirm with CAIXA.
Typical requirements
- Be at least 18 years old with a valid CPF
- Prove own income (formal income documentation)
- Pass CAIXA's credit analysis
- Meet the limit/minimum income required for the premium variant
Ways to obtain
- CAIXA branches
- Cartões CAIXA app
- CAIXA Internet Banking
- Customer service center
VIP lounges
VIP lounge access via Priority Pass, with 4 free visits per year for the holder, valid in Brazil and abroad; additional visits are charged (reference of about US$ 35 per person). Note: despite the Diners Club brand, lounge access is through the Priority Pass network and not the former Diners Club Lounges.
Network benefits
- Card on the Diners Club brand operated on the Elo platform
- VIP lounge access via Priority Pass (4 free visits/year)
- International acceptance of the Diners Club/Discover network
- Shopping and travel benefits of the Elo Diners platform
Insurance
- Travel insurance (coverage cited up to US$ 100,000 by some sources)
- Extended warranty
- Purchase protection insurance
- Assistance services (e.g., pet), per terms
Travel protections
- Travel insurance for the holder
- Travel assistance per policy conditions
Airline benefits
- Points transfer to LATAM Pass
- Points transfer to Smiles
- Points transfer to Azul Fidelidade (TudoAzul)
- Points transfer to TAP Miles&Go
Hotel benefits
- Redeem points for lodging and travel packages through the points program
Car rental benefits
- Possible offers and discounts with Elo/Diners network partners, subject to availability
✅ Advantages
- Points never expire
- Direct transfer to several airlines
- Cashback can waive the annual fee with high spend
- VIP lounges via Priority Pass
- Good earning rate for the segment
⚠️ Disadvantages
- High annual fee without high spend
- No transfer to Livelo
- Annual fee and points rate differ between sources
- High required income/limit
- VIP lounges limited to 4 free visits per year
History of relevant changes
- CAIXA's premium card on the Diners Club brand over the Elo platform
- In 2025 CAIXA unified its points programs under UAU CAIXA, with automatic balance migration planned for October 2025
Frequently asked questions
Does the CAIXA Elo Diners Club transfer points to Livelo?
No. CAIXA's points program (UAU CAIXA) does not transfer to Livelo; transfers go to airlines like LATAM Pass, Smiles, Azul Fidelidade and TAP, plus Dotz.
Do points expire?
No. For holders of this card, accumulated points do not expire, according to the consulted sources.
How does the annual fee waiver work?
CAIXA grants cashback on the annual fee based on monthly spend: partial discount (around 50%) and full waiver (100%) from certain bill amounts. Thresholds vary between sources; confirm in the official terms.
Do I get VIP lounge access?
Yes, via Priority Pass, with 4 free visits per year; additional visits are charged. Access is through the Priority Pass network, not the Diners Club Lounges.
How many points do I earn per dollar?
Sources disagree: between 2.5 and 3 points per US$ 1 on domestic purchases and between 3.5 and 4 points per US$ 1 on international purchases. Confirm the current rule with CAIXA.
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.