Unicred Visa Infinite
The Unicred cooperative's premium card with points transferable to Livelo and Visa Infinite lounge access.
Overview
The Unicred Visa Infinite is the high-income card issued by Unicred, a Brazilian credit cooperative, on the Visa Infinite network. It earns points in the Único program, which can be transferred to Livelo (1:1) and from there to airlines. It offers the full Visa Infinite benefits package, including airport lounge access via Visa Airport Companion and LoungeKey, travel insurance and concierge. As a cooperative card, terms such as annual fee waiver and income requirements are set by each individual cooperative and vary by region.
Who it's for
Aimed at high-income Unicred members who want a premium card with points earning, lounge access and travel benefits, while banking with a credit cooperative rather than a traditional bank.
Points earning
Earns approximately 2.2 points per dollar on purchases in Brazil and 2.5 points per dollar abroad, within the Único program. Payments via payment wallets/apps may not earn points. Values may change after Unicred points revisions.
Points program and transfers
Points are earned in Unicred's Único loyalty program and can be transferred to Livelo at a 1:1 ratio (minimum 5,000 points per transfer, up to 5 business days). Through Livelo they can go to airlines such as LATAM Pass, Smiles and Azul Fidelidade. There is no confirmed direct transfer partnership from Único to airlines.
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
Each Unicred individual cooperative sets its own annual fee waiver or discount policy, usually tied to minimum monthly spending or the member's relationship. Check your cooperative for exact rules.
How to apply
You apply by being a member of a Unicred cooperative. You must open an account/join Unicred and request the card via a branch, relationship manager or the app, subject to credit analysis.
Income or net worth range
High income, generally from about R$ 15,000 per month; may vary by individual cooperative.
Typical requirements
- Be a Unicred member (cooperado)
- Prove income compatible with the card (check with the cooperative)
- Pass credit analysis
- Hold an active account at the cooperative
Ways to obtain
- Join a Unicred cooperative
- Request the Visa Infinite card from a manager or via the app
- Wait for credit analysis
- Enroll in the Único points program
VIP lounges
Lounge access via Visa Airport Companion and LoungeKey, with 12 free visits per year for the cardholder, plus 1 free guest per year. Additional visits may be charged.
Network benefits
- Visa Airport Companion lounge program
- Visa Concierge (24h assistance)
- Visa Infinite luxury hotel collection
- International emergency medical insurance
- Visa Infinite purchase and travel protections
Insurance
- International emergency travel medical insurance
- Baggage insurance (loss/delay)
- Extended product warranty (up to 1 year)
- Price protection (up to 30 days)
Travel protections
- Flight delay and cancellation coverage
- Missed connection coverage
- Baggage delay reimbursement
- Emergency card/cash replacement assistance
Airline benefits
- No direct airline benefits; miles earned by transferring Livelo points
Hotel benefits
- Access to the Visa Infinite luxury hotel collection with benefits on select stays
Car rental benefits
- Car rental protection/insurance (verify coverage with Visa)
✅ Advantages
- Visa Infinite network with a full benefits package
- Points transferable to Livelo (1:1)
- Lounge access via Visa Airport Companion and LoungeKey
- A premium alternative within a credit cooperative
⚠️ Disadvantages
- Terms (annual fee, waiver, income) vary by cooperative
- No confirmed direct transfer to airlines
- Lounge access limited to 12 visits per year
- Less documented than cards from large banks
History of relevant changes
- Unicred, a credit cooperative, began offering premium Visa cards with its own points program (Único).
- In 2023, Unicred partnered with Livelo, enabling points transfers from its cards.
- In 2025, Unicred announced revisions to the points structure of its Visa card line and new benefits via Visa Airport Companion.
Frequently asked questions
Does the Unicred Visa Infinite transfer points to airlines?
Not directly. Único program points transfer to Livelo (1:1) and from there to airlines such as LATAM Pass, Smiles and Azul Fidelidade.
What is the card's annual fee?
About R$ 750 per year, payable in installments, but the amount and waiver vary by Unicred cooperative.
How many lounge visits does the card offer?
12 free visits per year for the cardholder via Visa Airport Companion/LoungeKey, plus 1 free guest per year.
What income is required?
High income, generally from about R$ 15,000 per month, varying by cooperative.
Do I need to be a Unicred member?
Yes. You must join a Unicred cooperative to apply for the card.
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.