Livelo is Brazil's largest points coalition, controlled by Bradesco and Banco do Brasil. A key point: Livelo is not a miles program — it's a "hub" where you accumulate points day to day and then transfer to airline programs, often with a bonus, which is when a point returns the most. This is the strategy guide; the live data is in the Livelo miniportal.
The essentials in one table
| Item | How it works on Livelo |
|---|---|
| What it is | Points coalition (not a miles program) |
| Controlled by | Bradesco and Banco do Brasil |
| Transfers to (domestic) | LATAM Pass, Smiles, Azul Fidelidade |
| Transfers to (international) | Flying Blue, United MileagePlus, Club Iberia Plus, British Executive Club, and others |
| Validity | 24 months from credit; with an active Clube Livelo, points don't expire |
| How to earn | Credit cards from many banks, Shopping Livelo, Clube Livelo, buying points |
Which banks earn on Livelo
This is the biggest source of confusion: not every bank turns into Livelo points. Some earn automatically (the card generates Livelo points), others let you transfer their own program's points to Livelo, and the big rivals with their own coalition are not partners.
| How the bank connects | Main examples |
|---|---|
| Earn directly on Livelo | Banco do Brasil, Bradesco, American Express, Next, Banestes |
| Transfer to Livelo | C6 Bank, BTG, BV, XP, Genial, Rico, Safra, Nomad, Banco do Nordeste, BRB, Unicred |
| NOT partners (own coalition) | Itaú (Itaú Shop), Santander (Esfera), Nubank, Inter |
Watch the most common confusion: Itaú, Santander, Nubank and Inter do not transfer to Livelo — each has its own program. If you earn with those banks, the path is different (e.g. Santander → Esfera). The partner list changes; check Livelo's official site.
How to accumulate the right way
- Use credit cards that earn well on Livelo (rates vary by card and spend).
- Concentrate purchases in Shopping Livelo across hundreds of partner stores.
- Consider Clube Livelo for guaranteed monthly points.
- Assess buying points only when the final cost per thousand pays off.
Livelo's golden rule: accumulate patiently and only transfer with a bonus. Without a campaign, a point returns far less. Follow the Bonus History and turn on alerts.
Worked example: why to wait for the bonus
Numeric example
You have 60,000 Livelo points. Without a bonus they become 60,000 miles. With a 100% bonus they become 120,000 miles — double, for the same earning effort. If you built those points at ~R$ 20 per thousand, the bonus cuts the real cost to ~R$ 10. Understand the math in how to calculate the value of a mile.
Strengths and limits of Livelo
✓ Strengths
- Accepts cards from many banks — the broadest coalition.
- Transfers to every major domestic program.
- Good international options (Flying Blue, United, Iberia, British).
✕ Watch-outs
- Without a bonus, transfer value drops sharply.
- Validity varies by earning method.
- Using points directly on the site usually returns less than transferring.
Common mistakes with Livelo
- Transferring without a bonus — the costliest mistake.
- Using points directly on products instead of transferring with a bonus.
- Letting points expire — check the term in the official app.
- Buying points without calculating the final cost per thousand.
Tips to get the most
- Turn on alerts for each pair (e.g. Livelo → Smiles).
- Pick the destination with the program-choice guide.
- Simulate the gain in the Transfer Bonus Simulator.
- Compare coalitions: see also the Esfera guide.
💡 Summary: Livelo is Brazil's broadest points hub. The value isn't in using points directly, but in transferring them to airline programs during a bonus. Accumulate patiently, wait for the campaign and transfer at the right time.