Santander American Express The Centurion Card
Brazil's most exclusive card: the black Centurion, by invitation only.
Overview
The Santander American Express The Centurion Card is the country's most exclusive ultra-premium credit card, issued by Santander under the American Express network and available strictly by invitation. Public information on this product is scarce: Santander does not publish a detailed official page and most data circulates through specialist sources. Many figures here should be treated as market estimates and may change. Widely reported facts: annual fee raised to R$ 25,000 in 2025, points via Santander Membership Rewards (about 4.2 points per dollar within spending tiers), a 300,000-point welcome bonus, access to Centurion Lounges and Priority Pass, and 24-hour concierge.
Who it's for
Ultra-high-income, high-net-worth clients, typically with annual spending in the millions of reais, who already hold a private relationship with Santander and receive an invitation.
Points earning
Reported earning of about 4.2 points per dollar spent, within minimum monthly spending tiers; below those tiers earning may not occur. A reported 300,000-point welcome bonus and annual bonuses by spending volume (e.g., 550,000, 800,000 and 1,000,000 points depending on yearly accumulated spend). Figures not officially confirmed.
Points program and transfers
The points program is Santander Membership Rewards (tied to American Express), with points that do not expire. Airline transfers include LATAM Pass, Smiles and Azul (TudoAzul), generally at a 1:1 ratio. Some sources mention integration with Santander's Esfera program; verify the current terms at the time of the invitation.
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 was raised from R$ 10,000 to R$ 25,000 from 2025, possibly payable in installments (reported as 12x of R$ 2,500). No waiver rule is disclosed. Values and conditions may vary by invitation and are not officially confirmed.
How to apply
You cannot apply freely: the card is offered exclusively by Santander invitation to selected clients, generally from the private segment. Interest can be flagged to a relationship manager, but issuance is at the bank's discretion.
Income or net worth range
Not officially disclosed; aimed at ultra-high-income, high-net-worth clients, typically private.
Typical requirements
- Receiving a Santander invitation
- Private/high-net-worth relationship
- High monthly spending (tiers starting in the tens of thousands of reais)
- Bank-specific credit approval
Ways to obtain
- By Santander invitation only
- Contact with a private relationship manager
- Review and approval at the bank's sole discretion
VIP lounges
Reported access to American Express Centurion Lounges and Priority Pass lounges, plus networks such as Delta Sky Club, Escape Lounge and others, with guests according to each network's rules. Exact details are not publicly disclosed.
Network benefits
- Card on the American Express network (not Visa/Mastercard)
- Access to American Express Centurion Lounges
- 24-hour American Express concierge
- Additional cards (multiple holders reported)
- Elite status in partner hotel and rental networks
Insurance
- Premium travel insurance associated with the American Express network (exact coverage not disclosed)
Travel protections
- Premium American Express travel protections (details not officially disclosed)
Airline benefits
- Points transfer to LATAM Pass, Smiles and Azul
- Airline lounge access via Priority Pass and Centurion
Hotel benefits
- Reported elite status in Hilton Honors and Marriott Bonvoy
- Benefits in partner networks such as Radisson
Car rental benefits
- Reported elite status/benefits at rental companies such as Hertz
✅ Advantages
- Brazil's most exclusive card, invitation only
- Broad access to premium lounges (Centurion, Priority Pass)
- 24-hour concierge
- Non-expiring points and high welcome and spend bonuses
- Elite status in hotels and rentals
⚠️ Disadvantages
- Scarce public information, not officially confirmed by Santander
- Very high annual fee (R$ 25,000) with no disclosed waiver
- Invitation only: cannot be applied for freely
- Earning may require very high minimum spending tiers
- IOF and spread on international purchases reduce value for money
History of relevant changes
- The American Express Centurion arrived in Brazil issued by Santander (in addition to Bradesco).
- In 2025 the Santander card's annual fee was raised from R$ 10,000 to R$ 25,000.
Frequently asked questions
How do I get the Santander Centurion Card?
Only by Santander invitation, usually for ultra-high-income private clients; there is no open application.
What is the annual fee?
Reported at R$ 25,000 from 2025 (previously R$ 10,000), with no disclosed waiver rule.
Which points program does it use?
Santander Membership Rewards (American Express), with non-expiring points and transfers to LATAM Pass, Smiles and Azul.
How many points does it earn?
Reported at about 4.2 points per dollar within spending tiers, plus annual bonuses; figures not officially confirmed.
Does it have VIP lounge access?
Yes, reported access to Centurion Lounges and Priority Pass lounges, among other networks.
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.