Santander Unlimited Visa Infinite
Santander's high-income Visa Infinite card, with strong Esfera earning and broad VIP lounge access.
Overview
The Santander Unlimited Visa Infinite is the bank's premium card aimed at very-high-income customers and Select/Private clients. Issued on the Visa Infinite network, it combines one of the best earning rates on the market in the Esfera program — from 3 points per dollar on domestic spending and 3.6 points per dollar internationally, rising to 4.5 and 5.4 points depending on your relationship tier (Santander Rewards) — with VIP lounge access via Visa Airport Companion (Dragon Pass) and the perk that points never expire while the card is active. It is clearly positioned for those with high monthly spending who want to maximize miles. Exact earning and fee-waiver terms vary by account segment, so confirm with your manager or the app.
Who it's for
Suited to high-income clients (Select and Private) with high monthly spending, frequent travelers who value VIP lounges and aggressive accrual of Esfera points transferable to airlines. It is not suitable for those seeking a no-fee card or with modest monthly spending, given the high annual fee and the spending volume required for the waiver.
Points earning
The card earns points in the Esfera program. The base is 3 points per dollar on domestic purchases and 3.6 points per dollar internationally. With the Santander Rewards tiers (tied to relationship and spending), earning can rise by +15%, +30% and +50%, reaching up to 4.5 points per dollar domestically and 5.4 internationally. A major differentiator is that points do not expire while the card is active. Some comparisons cite bases of 2.6/3.6 for Select and 3.0/4.0 for Private, so confirm your exact tier.
Points program and transfers
Esfera is Santander's points program and marketplace. Beyond redemptions for products, travel and statement credit, it allows transfers to several airline loyalty programs — such as LATAM Pass, Smiles and Azul Fidelidade — and there is integration/transfer promotions with Livelo, plus hotel partners and programs like TAP Miles&Go in certain campaigns. Partners and conversion ratios change often and with promotional bonuses, so check Esfera for current terms.
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 fee can be 100% waived by reaching monthly spending from R$ 30,000 per statement, or by keeping around R$ 5 million invested with Santander/its brokerage. You can also use Esfera points to offset the fee. Exact rules vary by segment and may change — check with the bank.
How to apply
Applications are usually made by existing bank clients through Santander channels (app, internet banking, or a Select/Private account manager). The card is typically offered to those with an existing relationship and compatible income or investments. New clients generally need to open an account and prove income/investments before approval.
Income or net worth range
Monthly income from R$ 30,000, or Private/Select profile with a compatible investment volume. In some cases the card may be granted based on relationship and history even with lower declared income — confirm with the bank.
Typical requirements
- Be a Santander client, preferably Select or Private
- Prove monthly income from R$ 30,000 (or a compatible investment profile)
- Pass the bank's credit analysis
- Personal documents and proof of income/investments
Ways to obtain
- Be a Santander account holder (ideally Select or Private)
- Apply via the app, internet banking, or your manager
- Prove income from R$ 30,000 or equivalent investments
- Await credit analysis and approval
VIP lounges
VIP lounge access is via the Visa Airport Companion program (operated by Dragon Pass), with entry to more than 1,200 lounges across about 600 airports in over 140 countries. The cardholder gets 8 free guest visits per year, with additional ones charged. There is also access to the Visa Infinite Lounge at Guarulhos Airport (Terminal 3). Some sources indicate unlimited cardholder access conditioned on recent minimum spending — confirm the current rules.
Network benefits
- Visa Airport Companion (Dragon Pass) with access to 1,200+ VIP lounges
- Visa Infinite Lounge at Guarulhos Airport (Terminal 3)
- 24-hour Visa Concierge
- Vai de Visa program with discounts and offers
- Visa Luxury Hotel Collection (luxury hotel benefits)
- International travel medical assistance
- Car rental protection
Insurance
- Travel accident insurance
- International emergency medical assistance
- Trip cancellation/interruption insurance
- Baggage delay or loss protection
- Purchase protection (per Visa Infinite terms)
Travel protections
- Emergency medical coverage on international trips
- Baggage insurance (delay or loss)
- Trip cancellation insurance
- 24h assistance via Visa Concierge
Airline benefits
- Transfer of Esfera points to LATAM Pass, Smiles and Azul Fidelidade
- Airport VIP lounges via Visa Airport Companion and Visa Infinite Lounge
- Fast Pass at the security line in Guarulhos (subject to availability)
Hotel benefits
- Visa Luxury Hotel Collection with upgrades, breakfast and exclusive benefits
- Offers and bookings via the Vai de Visa program
Car rental benefits
- Car rental damage protection (collision/theft, per Visa Infinite rules)
- Offers and discounts with partner Visa rental agencies
✅ Advantages
- High Esfera earning (3 to 4.5 pts/dollar domestic; 3.6 to 5.4 international)
- Points that do not expire while the card is active
- Broad VIP lounge access (Visa Airport Companion + Visa Infinite Lounge)
- Transfer to several airline programs
- Complete Visa Infinite benefits package
⚠️ Disadvantages
- High annual fee (around R$ 2,200/year)
- Waiver requires very high spending (R$ 30k/month) or a large invested volume
- High minimum income (from R$ 30,000)
- Earning rules vary by segment and can be confusing
- Aimed at a very-high-income niche
History of relevant changes
- The Unlimited line is Santander's premium card family for high-income customers, available in Visa Infinite and Mastercard Black versions.
- The card's earning and benefits were recently updated, strengthening Esfera accrual and integration with Santander Rewards (2025/2026).
- The Esfera program has consolidated as the bank's points and marketplace hub, with transfers to airline programs and recurring bonus campaigns.
Frequently asked questions
What network is the Santander Unlimited on?
This product is issued on the Visa Infinite network. There is also a Mastercard Black variant of the Unlimited, with equivalent benefits but via LoungeKey and Mastercard insurance.
How many points does the card earn?
The base is 3 points per dollar on domestic purchases and 3.6 per dollar internationally, rising to 4.5 and 5.4 with Santander Rewards tiers. Confirm your tier, as it varies by segment.
How do I get the annual fee waived?
By spending from R$ 30,000 per statement, keeping around R$ 5 million invested with Santander, or using Esfera points to offset it. Rules may change.
Do Esfera points expire?
On this card points do not expire while it remains active, an important differentiator versus other programs.
Which programs can I transfer points to?
Esfera allows transfers to programs like LATAM Pass, Smiles and Azul Fidelidade, plus integration/promotions with Livelo and hotel partners. Check Esfera for current partners and ratios.
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.