Santander Unlimited Mastercard Black
Santander's top-tier card in its Mastercard Black version, with Esfera points and LoungeKey lounge access.
Overview
The Santander Unlimited Mastercard Black is the Mastercard Black version of the Unlimited card, sibling to the Unlimited Visa Infinite (the main difference is the network and the lounge program). Aimed at high-income clients, it earns points in the Esfera program, which can be transferred to LATAM Pass, Smiles and Azul Fidelidade, and also integrates with Livelo. It offers lounge access through the LoungeKey network and a full package of Mastercard Black benefits, insurance and 24h concierge.
Who it's for
Suited to high-income clients who concentrate spending on the card, travel frequently and want to accumulate Esfera points to transfer to mileage programs, while enjoying VIP lounges and premium Mastercard Black benefits.
Points earning
Esfera points earned per dollar spent. On the Mastercard Black version, sources indicate around 2.6 to 3 points per dollar on domestic purchases and up to 3.6 points per dollar on international purchases, with higher rates for Private clients (up to about 4 points/US$). Promotional programs such as Santander Rewards / Bateu Ganhou can boost earning. Esfera points do not expire.
Points program and transfers
Points are earned in Santander's Esfera program. From there, they can be transferred to partner mileage programs such as LATAM Pass, Smiles and Azul Fidelidade (usually at a 1:1 ratio, with bonuses during promotions). Esfera also integrates with Livelo, allowing points to move between the two ecosystems.
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 waived by holding a high volume of investments at Santander/Toro (sources cite around R$5 million) or by reaching a minimum monthly card spend (sources cite between R$20,000 and R$30,000 per statement). Rules vary by profile and may change.
How to apply
Applications are made through Santander channels (website, app or relationship manager), subject to credit analysis. Private clients get differentiated earning rates and access.
Income or net worth range
Monthly income from R$30,000 or being a Santander Private client (check current conditions).
Typical requirements
- Prove the required minimum income or be a Santander Private client
- Pass the bank's credit analysis
- Preferably concentrate relationship/investments at Santander
Ways to obtain
- Be an account holder or open a Santander account
- Apply via website, app or relationship manager
- Prove income or qualify for the Private segment
VIP lounges
Lounge access through the LoungeKey network (over 1,500 lounges worldwide), with unlimited entries for the cardholder and around 8 free guest visits per year; additional guests are charged separately. It also includes access to the Mastercard Black lounge at Guarulhos Airport (GRU).
Network benefits
- Mastercard Black network benefits
- LoungeKey VIP lounge access (1,500+ lounges)
- Mastercard Black lounge at Guarulhos Airport (GRU)
- 24h Mastercard concierge
- Mastercard Surpreenda / Priceless offers and experiences
- Fraud and purchase protection
Insurance
- Medical and dental travel emergency insurance (Masterassist)
- Lost or delayed baggage insurance
- Purchase protection and extended warranty
- Cartao Protegido against fraud and theft
Travel protections
- Medical assistance on international trips
- Travel insurance certificate (useful for the Schengen Treaty when the ticket is paid with the card)
- Baggage coverage
Airline benefits
- Transfer of Esfera points to LATAM Pass, Smiles and Azul Fidelidade
- Bonuses during transfer promotions
- LoungeKey VIP lounge access at airports
Hotel benefits
- Mastercard offers and experiences at partner hotels
- Seasonal benefits via the Priceless/Surpreenda program
Car rental benefits
- Car rental coverage (collision, theft and damage, per terms)
- Offers with Mastercard partner rental agencies
✅ Advantages
- Good earning rate on purchases, even higher for Private clients
- Esfera points do not expire
- Unlimited LoungeKey lounges + Mastercard Black lounge at GRU
- Up to 7 supplementary cards and 24h concierge
- Flexibility to transfer to LATAM Pass, Smiles, Azul and integrate with Livelo
⚠️ Disadvantages
- High required income and annual fee
- Waiver requires high spending or a large investment volume
- Best earning rates reserved for Private clients
- Values and rules vary across sources; always confirm the current ones
Frequently asked questions
What is the difference from the Unlimited Visa Infinite?
The main difference is the network: this version is Mastercard Black and uses the LoungeKey network for lounges, while the Visa Infinite uses Visa Airport Companion. The earning rate and Esfera program are equivalent.
In which program are points earned?
In Santander's Esfera program, from which they can be transferred to LATAM Pass, Smiles and Azul Fidelidade, and also integrate with Livelo.
How does lounge access work?
Through the LoungeKey network, with unlimited entries for the cardholder and around 8 guest visits per year, plus the Mastercard Black lounge in Guarulhos.
Do Esfera points expire?
No. Points earned in the Esfera program have no expiration date.
How can the annual fee be waived?
By holding a high volume of investments at Santander/Toro or reaching the required minimum monthly card spend. Confirm the current values.
Information gathered from official and specialized sources in 2026-07. Annual fee, income and rules change — always confirm on the issuer's official website.