XP Visa Infinite
XP's no-annual-fee Visa Infinite card, letting you choose between InvestBack and points that transfer to Livelo.
Overview
The XP Visa Infinite is Banco XP's premium credit card, carrying the Visa Infinite network and a permanent no-annual-fee policy, conditioned on keeping investments at XP. Its key differentiator is flexibility: each month the customer chooses between InvestBack (cashback automatically invested in a product yielding 100% of the CDI) or accumulating XP Points, which transfer 1:1 to Livelo and from there to airline programs such as Latam Pass, Smiles and Azul Fidelidade. Earning starts at 2.2 points per dollar and can reach 3.0 points per dollar depending on the relationship with the XP digital account.
Who it's for
Aimed at XP clients who already concentrate investments at the brokerage (from R$ 50,000) and want a premium card with no annual fee and the freedom to switch between invested cashback and miles via Livelo.
Points earning
Earning starts at 2.2 XP Points per dollar on all purchases, rises to 2.5 points per dollar with monthly spending of R$ 7,500+ on the XP digital account, and reaches 3.0 points per dollar with salary portability to XP. Points do not expire.
Points program and transfers
The card works with a dual reward mechanic, chosen monthly by the customer. With InvestBack, you receive 1% to 1.5% cashback (1% base, 1.2% with R$ 7,500+/month spending, 1.5% with salary portability), automatically invested in a product yielding 100% of the CDI. Alternatively, you accumulate XP Points (2.2 to 3.0 per dollar), which can be transferred at a 1:1 ratio to Livelo and, from Livelo, directed to airline programs such as Latam Pass, Smiles and Azul Fidelidade, including during bonus campaigns. There is no direct transfer from the card to airlines: the path to miles necessarily goes through Livelo.
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
No annual fee is charged as long as the customer keeps the relationship and the minimum investment volume at XP. Up to 6 free additional cards may be issued.
How to apply
The application is made through the XP app or website; you must have an XP Investimentos account and meet the minimum investment volume. Approval and credit limit depend on a credit analysis and the relationship with the brokerage.
Income or net worth range
XP does not disclose a fixed minimum income; eligibility is based on the investment volume held at the brokerage (from R$ 50,000 for the Visa Infinite version).
Typical requirements
- Have an XP Investimentos account
- Keep investments from R$ 50,000 at XP (Infinite version)
- Pass a credit analysis
- Be over 18 and a Brazilian resident
Ways to obtain
- Open or already hold an XP Investimentos account
- Keep the required minimum investment volume
- Request the card through the XP app or website
- Await the credit analysis and limit definition
VIP lounges
VIP lounge access via Visa Airport Companion (DragonPass): 4 free visits per year on the Infinite version (R$ 50,000+ invested), conditioned on average spending of at least R$ 3,000 on the previous statement. Clients with R$ 300,000+ invested (XP Legacy status) get expanded access.
Network benefits
- Visa Infinite network, Visa's highest tier
- Visa Airport Companion (VIP lounge access)
- Visa Fast Pass (priority security lane at selected airports)
- Concierge and exclusive Visa Infinite benefits
- Visa program of offers and experiences
Insurance
- International emergency medical insurance
- Lost/delayed baggage insurance
- Purchase protection insurance (per Visa Infinite terms)
Travel protections
- Flight delay reimbursement
- Baggage delay reimbursement
- International travel assistance
Airline benefits
- XP Points transferable to Livelo and, from there, to Latam Pass, Smiles and Azul Fidelidade
Hotel benefits
- Visa Infinite portfolio offers and experiences (partner hotels and resorts)
Car rental benefits
- Offers and discounts at Visa Infinite partner car rentals
✅ Advantages
- Zero annual fee forever
- Flexibility to choose monthly between InvestBack and points
- Points transferable 1:1 to Livelo, with access to airline programs
- InvestBack automatically yields 100% of the CDI
- Points do not expire
⚠️ Disadvantages
- Requires keeping R$ 50,000 invested at XP
- No direct transfer to airlines (only via Livelo)
- Limited VIP lounge access conditioned on minimum spending
- High IOF and spread on international card purchases
History of relevant changes
- Premium Banco XP card with Visa Infinite network and zero annual fee.
- In 2024, XP partnered with Livelo, allowing XP Points to transfer 1:1 to the program.
- In 2026, the rewards structure began to value the relationship with the XP digital account, with earning of 2.2 to 3.0 points per dollar.
Frequently asked questions
Does the XP Visa Infinite card have an annual fee?
No. The annual fee is waived forever, as long as the customer keeps the required minimum investment volume at XP (from R$ 50,000).
Does the XP Visa Infinite earn miles?
Yes, indirectly. The customer can choose to accumulate XP Points (2.2 to 3.0 per dollar) and transfer them 1:1 to Livelo, which in turn transfers to Latam Pass, Smiles and Azul Fidelidade.
What is the difference between InvestBack and points?
With InvestBack you get 1% to 1.5% cashback invested at 100% of the CDI. With points, you accumulate XP Points transferable to Livelo. The choice is made monthly.
How does VIP lounge access work?
Through Visa Airport Companion (DragonPass), with 4 annual visits on the Infinite version, conditioned on average spending of at least R$ 3,000 on the previous statement.
Do I need to be an XP client to get the card?
Yes. You must have an XP Investimentos account and keep the minimum investment volume required for the desired version.
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.