Itaú Personnalité Visa Infinite
Itaú's high-income Visa Infinite card, with non-expiring points in the Itaú Pontos program.
Overview
The Itaú Personnalité Visa Infinite is a premium card for clients of Itaú's Personnalité segment. It earns points in the proprietary Itaú Pontos program (formerly Iupp), which never expire, and offers Visa Infinite network benefits such as VIP lounge access, concierge and travel insurance. It should not be confused with Itaú The One (an even higher segment) nor with the Personnalité Mastercard Black variant.
Who it's for
Suited to Personnalité clients who spend on domestic and international purchases and want flexible points to transfer to airlines, with no expiration date.
Points earning
The card earns 2 points per dollar on domestic purchases and 3 points per dollar on international purchases. Points do not expire.
Points program and transfers
Points are credited in the proprietary Itaú Pontos program (formerly Iupp) and are NOT transferred to Livelo. From Itaú Pontos you can transfer to the airline programs LATAM Pass, Smiles, Azul (TudoAzul/Azul Fidelidade) and TAP Miles&Go, or redeem for products, cashback and services.
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 first 90 days after activation are free. After that, full waiver requires at least one of: keeping R$ 50,000 or more invested at Itaú, reaching level 2 or higher in the Minhas Vantagens program, or spending R$ 10,000 per month on the card. Spending R$ 5,000 per month grants a 50% discount.
How to apply
You must be an Itaú Personnalité segment client. The request is made through your relationship manager, the Itaú app or the official Itaú Personnalité website.
Income or net worth range
To be a Personnalité client, a monthly income from R$ 15,000 or around R$ 250,000 in investments at Itaú is generally required (values may vary per bank policy).
Typical requirements
- Be an Itaú Personnalité segment client
- Meet the income or investment requirements of the segment
- Pass the bank's credit analysis
Ways to obtain
- Open or already hold an Itaú Personnalité account
- Request the card via manager, app or official website
- Await credit analysis and approval
VIP lounges
Offers 2 free VIP lounge accesses per year for the primary and supplementary cardholder, via Visa Airport Companion (DragonPass network), plus the Visa Infinite network lounge benefits. Extra accesses are charged per the program's rate.
Network benefits
- VIP lounge access via Visa Airport Companion (DragonPass)
- 24-hour concierge for travel and restaurant reservations
- Visa Infinite network insurance and assistance
- Exclusive Visa Infinite offers and experiences
- Visa purchase protection program
Insurance
- Travel medical assistance insurance
- Baggage insurance
- Car rental insurance (per Visa Infinite rules)
- Purchase protection
Travel protections
- International travel medical assistance
- Assistance for lost baggage
- 24-hour travel concierge
Airline benefits
- Points transferable to LATAM Pass, Smiles, Azul and TAP Miles&Go
- Airport VIP lounge access
Hotel benefits
- Hotel offers and experiences via the Visa Infinite program
Car rental benefits
- Car rental benefits and protection via Visa Infinite
✅ Advantages
- Non-expiring points
- Good earning on international purchases (3 points/US$)
- Transfers to four airline programs
- Full Visa Infinite network benefits
- Up to 6 supplementary cards with no annual fee
⚠️ Disadvantages
- High annual fee when not waived
- Does not transfer to Livelo
- Only 2 VIP accesses per year
- Requires being a Personnalité segment client
History of relevant changes
- Card from Itaú's Personnalité line on the Visa Infinite network.
- The points program was renamed from Iupp to Itaú Pontos.
Frequently asked questions
Do the Itaú Personnalité Visa Infinite points go to Livelo?
No. Points stay in the Itaú Pontos program and transfer to LATAM Pass, Smiles, Azul and TAP Miles&Go, not to Livelo.
How many points does the card earn?
2 points per dollar on domestic purchases and 3 points per dollar on international purchases, with no expiration.
What is the annual fee and how to waive it?
R$ 1,056 per year (12x R$ 88). Full waiver comes with R$ 50,000 invested, level 2+ in Minhas Vantagens, or R$ 10,000 monthly spend.
Does the card offer VIP lounge access?
Yes, 2 free accesses per year per primary and supplementary cardholder via Visa Airport Companion (DragonPass), plus Visa Infinite benefits.
Do I need to be a Personnalité client to get the card?
Yes. You must belong to the Itaú Personnalité segment, which generally requires income from R$ 15,000 or around R$ 250,000 in investments.
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.