Unicred Mastercard Black
The premium co-op card: Unicred's Mastercard Black with unlimited lounge access and point transfers to Livelo and airlines.
Overview
The Unicred Mastercard Black is a high-income card issued by Unicred, a Brazilian credit cooperative. It combines Mastercard Black network benefits (LoungeKey, insurance and concierge) with Unicred's Único loyalty program, which lets you earn points and transfer them to Livelo and airline programs. Note that membership in a Unicred cooperative is mandatory. Important: Unicred's current official portfolio is mostly Visa (Infinite, Platinum, Gold), and the Mastercard Black may have limited availability or vary by regional cooperative.
Who it's for
Aimed at high-income members of Unicred cooperatives who want a premium card with lounge access, zero FX spread on international purchases, and points that transfer to miles.
Points earning
The card earns approximately 2.2 points per US dollar spent, on both domestic and international purchases. Points are valid for 24 months.
Points program and transfers
Points belong to Unicred's Único loyalty program. You can transfer points to Livelo at 1 Único point = 1 Livelo point (minimum 5,000 points per transfer), plus transfers to airline programs such as Smiles, LATAM Pass and TudoAzul (Azul Fidelidade). Statement credit and product redemptions are also available.
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
Waiver or reduction rules are set by each Unicred cooperative and are typically tied to monthly spending volume and your relationship with the cooperative. Confirm current terms with your cooperative.
How to apply
Applications are made directly at your Unicred cooperative, and you must already be (or become) a member. Income, annual fee and waiver rules are set by each regional cooperative.
Income or net worth range
Minimum income is defined by each Unicred cooperative; market sources cite ranges starting around R$ 12,000/month for the Black segment.
Typical requirements
- Be a member of a Unicred cooperative
- Prove income compatible with a high-income card (amount set by each cooperative)
- Pass the cooperative's credit analysis
Ways to obtain
- Become a member of a Unicred cooperative
- Request the Mastercard Black card at your cooperative or the Unicred app
- Await credit analysis and limit/annual-fee definition
VIP lounges
Unlimited lounge access via the LoungeKey network (over 1,300 lounges worldwide) for cardholder and additional cards, with a per-guest cost. Also includes access to the Mastercard lounge at Guarulhos Airport (Terminal 3).
Network benefits
- Unlimited LoungeKey lounge access
- Mastercard lounge at Guarulhos (Terminal 3)
- 24-hour concierge service
- Mastercard Priceless Cities experiences program
- Zero FX spread on international purchases (only IOF applies)
Insurance
- Travel insurance with international emergency medical coverage
- Schengen Treaty-compliant certificate
- Baggage insurance (loss/delay)
- Purchase protection
- Extended warranty
Travel protections
- International travel medical insurance
- Lost or delayed baggage coverage
- 24h travel assistance
Airline benefits
- Transfer points to Smiles, LATAM Pass and TudoAzul
- Redeem points for airline tickets
Hotel benefits
- Redeem Único program points for hotel stays via the Livelo catalog
Car rental benefits
- Car rental guarantee (CDW/LDW coverage) at participating agencies
✅ Advantages
- Unlimited LoungeKey lounge access
- Zero FX spread on international purchases
- Point transfers to Livelo and three airline programs
- Complete insurance package and Mastercard Black concierge
⚠️ Disadvantages
- Requires membership in a Unicred cooperative
- Annual fee, income and rules vary by cooperative, making comparison harder
- Unicred's current official portfolio is mostly Visa; Mastercard Black availability may be limited
History of relevant changes
- Unicred is a Brazilian credit cooperative that offers high-income cards to its members.
- In 2023, Unicred partnered with Livelo, enabling 1:1 transfers of Único program points.
- The Único loyalty program centralizes earning and redemption for Unicred cards.
Frequently asked questions
Does the Unicred Mastercard Black transfer points to Livelo?
Yes. Through the Único loyalty program you can transfer at a 1:1 ratio to Livelo, with a minimum of 5,000 points per transfer.
Which airline programs accept Unicred points?
Market sources indicate transfers to Smiles, LATAM Pass and TudoAzul (Azul Fidelidade), plus direct redemption for tickets.
What is the card's annual fee?
Approximately R$ 750 per year, potentially varying (up to around R$ 1,400) by cooperative, usually payable in 12 installments.
Do I need to be a member to get the card?
Yes. Membership in a Unicred cooperative is mandatory to apply for the card.
Does the card provide lounge access?
Yes. It offers unlimited LoungeKey lounge access and the Mastercard lounge at Guarulhos (Terminal 3).
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.