The Luiza Card is the store-branded credit card for Magazine Luiza’s retail ecosystem, issued in partnership with Itaú (Itaucard).
Extended installment options for purchases within the Magalu network, targeted discounts, and promotions.
Below you will find a clear summary of benefits, how to request the card online or in-store, and what to expect about interest and fees.
Main Benefits
Purchases made in Magazine Luiza stores, on the website, and in the SuperApp generate 2% back, credited to your MagaluPay.
Cardholders often access promotional installment plans on Magalu purchases, which can help with budgeting larger purchases.
If you reach your limit at the time of a purchase, the issuer may attempt an automatic, no-cost emergency assessment to approve the transaction.
The typical minimum income declared for evaluation is R$ 800.00.
Cartão Luiza Preferencial (Gold)
Annual fee: Charged in 12 monthly installments (commonly communicated as 12 × R$ 14.99, totaling R$ 179.88 per year).
Like the Magalu Platinum, the Luiza Gold participates in the retailer’s promotional installment campaigns across physical stores, the app, and the website.
The Luiza Gold card continues to operate alongside the newer no-annual-fee Magalu Platinum.
Relationship Perks And Status
Magalu’s relationship program periodically grants special promotional benefits inside the Magalu ecosystem when eligibility criteria are met.
for example, achieving a certain number of purchases within a rolling 12-month period.
Magalu sets benefits and thresholds and may change; check your app or account area for your current status.
How To Request
You can request the Luiza Card online (web or SuperApp) or in any Magazine Luiza store. In all cases, approval is subject to credit analysis by the issuer.
SuperApp (Magalu + MagaluPay)
Open or download the Magalu SuperApp. If you want to receive cashback, make sure to activate MagaluPay during or immediately after your application flow.
Follow the prompts to complete the card request.
Your status (approved, pending documentation, or declined) will appear in the app, and you’ll receive guidance on next steps.
Magazine Luiza stores (in-person)
You can also start your request in any Magalu store.
A store associate will guide you through the application, collect the necessary information, and forward your proposal to Itaú for credit analysis.
This option is useful if you prefer face-to-face assistance or need help understanding installment campaigns for a specific purchase.
Tips To Improve Your Chances of Approval
Have your identification and income proof handy, and report income accurately (the Magalu Platinum typically evaluates from R$ 800 in monthly income).
Keep your contact data updated (mobile number, email, and address), as the issuer will use them to confirm identity and send updates.
If approved, activate MagaluPay promptly so cashback from eligible purchases is credited without delays.
Practical Ways To Minimize Interest
Always try to pay the full amount of your statement by the due date.
If needed, simulate an installment plan for the statement balance in the Itaú app to lock in a clear schedule and cost.
Avoid cash withdrawals on the credit card, as they often carry immediate interest and fees.
Enable alerts in the app so you never miss a due date.
Annual Fees, Tariffs, and Cashback (At a Glance)
Cartão Magalu (Visa Platinum): No annual fee.
Cartão Luiza Preferencial (Gold): Annual fee typically R$ 179.88 (12 × R$ 14.99).
Cashback (Magalu Platinum only): 2% on purchases within the Magalu network, credited to MagaluPay after the purchase is approved.
Other tariffs: Additional services (for example, duplicate statement delivery by post or certain optional features) may have fees.
Official Service Channels and Issuer Address
Issuer (financial partner): Itaú / Itaucard
Customer service for Itaucard partner cards (Magalu/Luiza and others)
- Capitals and metro areas: 3003-3030
- Other locations: 0800-720-3030
Service is typically available Monday to Saturday during the hours stated by the issuer. - Itaú SAC (24/7): 0800-728-0728
Itaú Ombudsman (Ouvidoria, business days 9:00–18:00): 0800-570-0011
Service for customers with hearing/speech impairment (24/7): 0800-722-1722
Itaú Unibanco Holding S.A. – Headquarters
Praça Alfredo Egydio de Souza Aranha, 100 – Torre Olavo Setubal, Parque Jabaquara, São Paulo/SP – CEP 04344-902, Brazil.
Tip: save the phone numbers inside the Itaú app or your phone’s contacts so you can quickly request a statement installment simulation or resolve any card issues.
Is It Worth It?
If you regularly shop in the Magalu ecosystem, the Magalu Visa Platinum is compelling.
No annual fee, 2% internal cashback, and access to promotional installments during store campaigns that can stretch your budget responsibly.
If you prefer the Luiza Preferential (Gold), you may still benefit from in-store installment campaigns and promotions, but at an annual fee.
For either version, the value increases when you pay on time, avoid revolving balances, and activate MagaluPay to capture the cashback you earn.
Competitors
How Luiza Card stacks up against key competitors.
| Card | Annual fee (typical policy) | Core store perks | Cashback / points | Other notable features |
|---|---|---|---|---|
| Luiza Card (Cartão Magalu – Visa Platinum) | No annual fee | Promotional installments for Magalu purchases; full integration with the Magalu ecosystem | 2% cashback on purchases made inside Magalu, credited to MagaluPay (wallet must be active) | App integration (Magalu + Itaucard); minimum income commonly communicated from R$ 800 |
| Cartão Luiza Preferential (Gold) | Annual fee: 12 × R$ 14.99 (R$ 179.88/yr) | Installments and promos at Magalu stores, app, website | No general external cashback | Coexists with the no-fee Platinum; subject to credit analysis |
| Cartão Carrefour | Fee waived with ≥1 purchase per cycle at Carrefour; fee applies if you skip a cycle | Exclusive installments on selected items across Carrefour channels | Store-centric benefits (no broad external cashback) | “Anuidade zero” depends on maintaining monthly activity |
| Cartão Atacadão | Fee varies by version | Discounts and conditions in Atacadão; accepted at Carrefour and Sam’s Club | No broad external cashback program | Fuel benefit: pay up to 70 days at partner gas stations; highlighted installment options |
| Cartão Renner (private label) | No annual fee | Store installment campaigns; virtual card after approval; additional cards available | Store-linked perks (no general cashback) | Optimized for in-store use and quick approvals |
| Cartão Casas Bahia (co-branded) | Annual fee typically charged (amount varies by version; waivers are usually promotional, not permanent) | Installments and periodic in-network discounts | No broad external cashback as a standard feature | Versions/fees vary; confirm the exact product before applying |
Conclusion
The Luiza Card combines store-specific perks with the scale of a major issuer in Brazil, making it a practical choice for loyal Magalu customers.
The Magalu Platinum’s zero annual fee and 2% cashback are straightforward benefits that add up when you consolidate purchases in the network.
Before you request the card, review your rates in the Itaú app, read the contract, and consider how installments will affect your budget.
Disclaimer: All conditions, rates, minimum income, benefits, and requirements (including cashback rules and Cliente Ouro criteria) may change over time. Always confirm the latest information in the Magalu and Itaú official channels, your contract, and your monthly statement before applying or using the product.
