The Renner Card is the store-brand credit solution tied to Lojas Renner S.A., issued by Realize Crédito, Financiamento e Investimento S.A. (“Realize CFI”).
Understanding the differences, benefits, and costs will help you decide which one fits your shopping profile.
What Is Renner?
Renner usually refers to Lojas Renner S.A., a Brazilian fashion-and-lifestyle retail group.
It operates an ecosystem of brands—Renner (apparel), Camicado (home & decor), Youcom (youth fashion), and Ashua (plus-size).
With 600+ stores across Brazil, Argentina, and Uruguay, alongside strong digital channels.
The group is widely described as a leader in Brazil’s omnichannel fashion retail.
What Is The Renner Card?
There are two products under this umbrella: Cartão Renner and Meu Cartão Renner.
Cartão Renner (private-label)
This is a 100% digital and no-annual-fee card meant for purchases at Renner, Camicado, Ashua, and physical Youcom stores.
It also works at Panvel pharmacies (in physical stores).
Beyond basic payments, it offers exclusive installment plans and periodic discounts reserved for the Renner ecosystem.
Meu Cartão Renner (co-branded)
This is an international credit card (Visa or Mastercard) with contactless technology.
It can be used at Renner and in any merchant worldwide, and it participates in issuer-network perks such as Vai de Visa and Mastercard Surpreenda.
Unlike Cartão Renner, Meu Cartão may charge an annual fee (see the “Interest rates and fees” section for values and waivers).
Key Benefits
Cartão Renner has no annual fee and digital + physical versions.
It typically offers up to 5× without interest (with a minimum installment amount), and beauty/perfumery can reach 10× without interest in stores.
Depending on the campaign, your first payment may be due in 30–60 days. Conditions vary by date and channel.
Extra ecosystem perks, such as a 10% discount on your first purchase on the day you open the card, and the option to add up to four supplementary cards.
Interest Rates and Fees (Meu Cartão Renner)
Realize CFI publishes a “Lista de Serviços / Quadro de Taxas” for Meu Cartão, with the latest update dated July 15, 2025.
- Annual fee (Cartão de crédito básico – internacional): up to R$ 299,88 (or 12× R$ 24,99). The cost can be charged once every 12 months and may be split into installments. There are waiver rules. In months when your bill contains only Renner/Camicado/Ashua purchases (and no cash advances, bill parceling, late fees, or other charges), no annual-fee installment is billed.
- Second copy of card: R$ 14,99 (per event).
- Cash withdrawal fee (Brazil): R$ 16,90 per withdrawal; abroad: R$ 14,90. These withdrawals accrue interest + IOF from posting.
- Emergency credit evaluation (over-limit): R$ 23,90 per event (capped at one charge every 30 days).
- SMS alerts (if contracted): R$ 3,90/month.
- Revolving credit (Juros Remuneratórios Máximos): 18,99% a.m. (705,61% a.a.). The CET for revolving is 19,62% a.m. / 784,33% a.a. (includes IOF).
- Bill parceling (Parcelamento de Fatura): 17,99% a.m. (628,02% a.a.); CET: 18,62% a.m. / 698,45% a.a.
- Issuer-parcelled purchases (Parcelado Emissor): 6,90% a.m. (122,71% a.a.); CET: 7,53% a.m. / 141,89% a.a. Purchases in 8–10× can carry 3,90% a.m. / 58,27% a.a. (CET 4,53% a.m. / 71,43% a.a.).
- Cash withdrawal (Saque Emergencial/Saque Rápido): up to 17,90% a.m. (621,38% a.a.); CET examples: 18,22% a.m. / 666,31% a.a. (emergency) and 20,22% a.m. / 839,83% a.a. (Saque Rápido). IOF currently 0,0082%/day + 0,38%.
Practical takeaway: these financing costs are very high. Whenever possible, pay your bill in full and on time, or use structured installment plans you can comfortably afford. Renner also discloses installment conditions for in-store purchases—e.g., up to 5× without interest in apparel and up to 10× without interest in beauty/perfumery—subject to minimum installment amounts and campaign availability.
How to Apply
Apply at any Renner location with a photo ID that shows your CPF. Approval is subject to credit analysis.
If approved, issuance is immediate; you may receive the physical card in-store or a virtual version in the app.
Download the Renner app (Android/iOS), open the “Cartões” menu, and request the card. This route is also subject to credit analysis.
Both products require you to be of legal age (or meet issuer criteria for additional cards). Additional cards are available (minimum age 16 for add-ons).
Bank address and phone (issuer)
Issuer: Realize Crédito, Financiamento e Investimento S.A.
CNPJ: 27.351.731/0001-38
Address: Avenida Joaquim Porto Villanova, 401, 5º andar, Torre Sul, Jardim do Salso, CEP 91410-400 – Porto Alegre/RS.
Customer service numbers:
- Central de Atendimento (24/7): 3004 5060 (capitals/metropolitan areas) | 0800 073 6637 (other locations)
- SAC – Consumer Service (24/7): 0800 600 6601
- Ouvidoria (Mon–Fri, 10:00–16:00): 0800 727 0127
- WhatsApp (cards): +55 51 3921-4004
- Negotiation line (pendências): 4004 2900 (Mon–Fri 08:00–21:00; Sat 08:00–20:50)
Tips Before You Apply
Choose the product that matches your usage. If you mostly shop within the Renner group and want no annual fee, Cartão Renner is the straightforward option.
If you want a general-purpose card with network benefits and travel features—and accept the potential annual fee—consider Meu Cartão.
Study the cost of financing. The issuer’s sheet shows very high revolving and parceling costs; design your budget to avoid interest.
Leverage installment campaigns. Renner regularly publicizes no-interest installment windows and minimum-installment rules by category.
Conclusion
The Renner Card family serves two needs. It brings zero-annual-fee convenience and special in-store installment conditions across the group’s brands.
Meu Cartão Renner adds worldwide acceptance and network perks, but it may levy an annual fee and carries high financing costs if you revolve a balance.
Review the latest fees, CET, and installment rules, then apply in the Renner app or in store with your photo ID and CPF.
Disclaimer: Information, rates, and conditions are subject to change by the issuer and may vary by campaign or channel. Content reflects issuer materials updated as of July 15, 2025 and public help pages; please confirm details on the official Realize/Renner channels or by phone before applying or financing purchases.
