Caixa Mastercard Black
CAIXA's premium card with points that go straight into airline miles.
Overview
The CAIXA Mastercard Black is Caixa Econômica Federal's high-income card on the Mastercard Black network. It earns 2.1 points per dollar spent through the Programa de Pontos CAIXA, with direct transfers to airline frequent-flyer programs. It features an annual fee with a cashback policy (partial or full refund based on spending), airport lounge access and the full Mastercard Black benefits package. According to specialized sources, points last up to 3 years and there is a welcome bonus after paying the first statement.
Who it's for
Suited for those with high monthly spending (from R$ 4,000) who want to accumulate points transferable into miles while enjoying Mastercard Black travel benefits. It is also accessible to non-CAIXA account holders.
Points earning
Earns 2.1 points per dollar (or real equivalent) on domestic and international purchases, in the Programa de Pontos CAIXA. Sources indicate a 4,000-point welcome bonus after paying the first statement.
Points program and transfers
Programa de Pontos CAIXA. Points are valid for 3 years from the credit date and can be transferred directly to airline mileage programs, often with bonuses during promotional campaigns.
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 refunded via cashback based on monthly purchase spending: 50% refund for statements above R$ 4,000/month and 100% for statements above R$ 8,000/month. Only credit purchases count toward the threshold; cash advances, fees and interest do not.
How to apply
You can apply at CAIXA branches, through the bank's digital channels or by phone. Approval depends on credit analysis and your relationship with the institution.
Income or net worth range
No official minimum income is disclosed; specialized sources indicate an initial limit from R$ 15,000.
Typical requirements
- Minimum age of 18 (or 16 if emancipated)
- Proof of income/relationship
- Credit analysis approval
- Initial limit generally from R$ 15,000 (per specialized sources)
Ways to obtain
- Apply at a CAIXA branch, digital channels or by phone
- Pass the credit analysis
- After approval, activate the card and link it to the Programa de Pontos CAIXA
VIP lounges
Lounge access through the Mastercard Black network: the LoungeKey program (2 complimentary visits per year, additional paid visits) and access to the Mastercard lounge at Guarulhos Airport. Note: in 2025 Mastercard began requiring a minimum spend for lounge access on some Black cards, which may affect the rules.
Network benefits
- 24-hour concierge
- LoungeKey airport lounge program
- Mastercard Airport Experiences
- Priceless Cities experiences
- MasterAssist Black travel assistance
- Purchase protection and extended warranty
Insurance
- Travel medical assistance insurance (MasterAssist Black)
- Automatic Schengen coverage (€30,000) for trips paid with the card
- Baggage protection
- Purchase protection
- Extended warranty
Travel protections
- International travel medical assistance
- Europe/Schengen travel coverage
- Baggage protection
Airline benefits
- Point transfers to Smiles, LATAM Pass and TudoAzul (Azul Fidelidade)
- Point accrual on ticket purchases
Hotel benefits
- Occasional benefits and experiences via the Mastercard Black portfolio
Car rental benefits
- Car rental offers via the Mastercard Black portfolio
✅ Advantages
- High earning of 2.1 points per dollar
- Annual fee refundable via cashback for higher spenders
- Direct transfer to airline mileage programs
- Full Mastercard Black benefits package
- Also accessible to non-account holders
⚠️ Disadvantages
- Requires high monthly spending to offset the annual fee
- High currency spread and IOF on international purchases
- Limited lounge access subject to Mastercard's new 2025 rules
- Customer service quality questioned by users
Frequently asked questions
What is the CAIXA Mastercard Black annual fee?
It is 12 installments of R$ 76.75 (about R$ 921/year), with a cashback refund of 50% for spending above R$ 4,000/month and 100% above R$ 8,000/month.
How many points does the card earn?
It earns 2.1 points per dollar spent on domestic and international purchases, in the Programa de Pontos CAIXA.
Do points transfer to Livelo?
The consulted sources do not confirm transfer to Livelo. Points are transferred directly to airline programs such as Smiles, LATAM Pass and TudoAzul.
Do I get airport lounge access?
Yes, through the Mastercard Black network, with LoungeKey (limited complimentary visits) and the Mastercard lounge at Guarulhos. Rules may change per Mastercard's 2025 requirements.
Do I need to be a CAIXA account holder?
Not necessarily; the card is also accessible to non-account holders, subject to credit analysis.
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.