Itaú Personnalité World Legend Mastercard
The top of the Personnalité line: Mastercard World Legend, the tier above Black, with unlimited VIP lounges and luxury experiences.
Overview
The Itaú Personnalité World Legend Mastercard is an ultra-high-income card launched for 2026, built on the new Mastercard World Legend tier — positioned above Mastercard Black. It targets selected Personnalité clients with a strong focus on travel, dining, art and entertainment. It earns up to 4.5 points per dollar on domestic purchases and 5.0 on international ones in the Itaú Pontos program. As a very new product, some conditions are still confirmed only by invitation and may vary; we recommend confirming details with your relationship manager.
Who it's for
High-income Personnalité clients who spend heavily on the card and prioritize luxury experiences (travel, fine dining, art) over maximum point accumulation. Ideal for those who value unlimited VIP lounges and premium concierge.
Points earning
Earns 4.5 points per dollar on domestic purchases and 5.0 points per dollar on international purchases. Figures confirmed by specialized sources; as a recent product, they may be adjusted.
Points program and transfers
Points accrue in Itaú's proprietary Itaú Pontos program (formerly Iupp). This card does NOT transfer to Livelo. Itaú points can be transferred to the LATAM Pass, Smiles, Azul (TudoAzul/Azul Fidelidade) and TAP Miles&Go mileage programs.
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
You can get 100% cashback on the monthly annual-fee installment in months when card spending equals or exceeds R$ 40,000. There is no fixed waiver: the benefit depends on each month's spending volume.
How to apply
The card is not openly available to the public. It is offered by invitation to selected Itaú Personnalité clients, or through relationship manager assessment. You cannot hold the World Legend and The One card simultaneously.
Income or net worth range
Minimum income not officially disclosed; aimed at ultra-high-income Personnalité clients, granted by invitation/assessment.
Typical requirements
- Be an Itaú Personnalité segment client
- Receive an invitation or pass a manager assessment
- High-income profile with high spending volume
- Cannot be held together with The One card
Ways to obtain
- Direct Itaú invitation to selected Personnalité clients
- Assessment and offer by the relationship manager
VIP lounges
Unlimited access to airport VIP lounges via LoungeKey, plus the exclusive Mastercard Taste of Priceless space at Guarulhos (GRU), with a menu by a renowned chef and a premium dining experience.
Network benefits
- Mastercard World Legend, the tier above Mastercard Black in Brazil
- Unlimited VIP lounges via LoungeKey
- Taste of Priceless (Mastercard) space at Guarulhos
- Michelin Program: priority reservations at starred restaurants and valet
- Soho Friends membership (Soho House) with US$ 100 annual credit
- Art curation via the Nara Roesler gallery
- Personalized concierge (Teresa Perez collection)
Insurance
- MasterAssist travel insurance with coverage up to US$ 1 million
- MasterRental vehicle rental protection
Travel protections
- High-coverage international travel insurance (up to US$ 1 million)
- Travel assistance via the Mastercard program
Airline benefits
- Point transfers to LATAM Pass, Smiles, Azul and TAP Miles&Go for ticket redemptions
Hotel benefits
- Fasano chain: best available rates, early check-in and late check-out
- Fasano chain: 15% restaurant discount at selected times and waived corkage/cover charges
- Flexible check-in/check-out at a premium hotel collection
- Benefits at luxury properties (e.g., Palácio Tangará, Copacabana Palace)
Car rental benefits
- MasterRental protection for vehicle rentals
✅ Advantages
- Mastercard World Legend tier, above Black
- Unlimited VIP lounges via LoungeKey
- Good earning: up to 5 points per dollar internationally
- Luxury experiences (Fasano, Michelin, Soho House, art)
- Robust travel insurance (up to US$ 1 million)
⚠️ Disadvantages
- High annual fee (R$ 4,000/year) with no fixed waiver
- Annual-fee cashback requires R$ 40,000 in monthly spending
- Does not transfer to Livelo
- Restricted access, invitation only
- Very new product: some conditions still poorly documented
History of relevant changes
- October 2025: Itaú announces it will have the World Legend Mastercard in its portfolio, a new tier above Black.
- 2026: card made available initially to selected Itaú Private and Personnalité clients.
Frequently asked questions
Does the Itaú Personnalité World Legend transfer points to Livelo?
No. Points stay in the Itaú Pontos program and transfer to LATAM Pass, Smiles, Azul and TAP Miles&Go — not to Livelo.
What is the card's annual fee?
R$ 4,000 per year, in 12 monthly installments of about R$ 333.33. There is 100% cashback on the installment in months with spending equal to or above R$ 40,000.
How many points does the card earn?
4.5 points per dollar on domestic purchases and 5.0 points per dollar on international purchases, according to specialized sources.
How do I get the card?
Only by invitation to selected Itaú Personnalité clients or by manager assessment. There is no open application.
What is the difference from The One and the Private World Legend?
You cannot hold the World Legend and The One at the same time. The Private World Legend offers higher earning (up to 7 points/US$ internationally) and targets the Private segment.
Information gathered from official and specialized sources in 2026-07. Annual fee, income and rules change — always confirm on the issuer's official website.