Itaú is one of Brazil’s largest issuers of credit cards, with options that range from entry-level, no-annual-fee products to premium co-branded travel cards.
This guide explains how to choose and apply for a card Itaú, how the main benefits work, what to expect around fees and interest, and where to get help.
What Itaú Cards Offer
Itaú issues cards on Visa, Mastercard and Hipercard networks across multiple tiers (International, Gold, Platinum, Black/Infinite).
In the benefits hub, you’ll find Itaú Shop for in-app shopping, points/cashback tools, and rotating discounts with partner merchants.
When you buy from partner stores via the app, you receive points that remain valid for 24 months (after that, they expire).
The flow to access partner stores is within the app’s Produtos → Itaú Shop/Benefícios Itaú menu.
Virtual Card and App
For security and convenience online, Itaú offers a virtual card inside both the Itaú and Itaú Cartões apps.
You generate a temporary card number and use it for e-commerce or subscriptions without exposing the physical card.
Finally, the Itaú Cartões app (Android/iOS) centralizes everyday tasks.
Creating virtual cards, tracking deliveries, checking statements, and adjusting limits and alerts.
How To Choose and Apply
You can filter by the benefits you want (no annual fee, supermarket, miles & travel, etc.), compare minimum income, annual fee, and key features.
The specific requirements (like minimum income) vary by product and are disclosed on each card’s page.
In general, you’ll fill in personal data, and the bank may request documents (ID, CPF, proof of residence, and proof of income) to complete the analysis.
This is standard practice when applying for Brazilian credit cards.
- Go to the Itaú cards page and choose your card.
- Review benefits, minimum income, and fees.
- Select network (Visa/Mastercard/Hipercard) where applicable.
- Complete the form and submit.
Track your request in Acompanhar meus pedidos on the site or via Serviços → Meus cartões aprovados in the Itaú Cartões app.
Tip: If you already bank with Itaú (including users who migrated from iti), keeping your data updated in the Itaú app can help speed up analysis and delivery.
Everyday Management: Digital Tools You’ll Use
Virtual card: create one in seconds for safer online purchases and subscriptions.
Partner discounts & cashback: activate via Itaú Shop/Benefícios to earn points on partner stores and unlock targeted offers.
Points from cashback are valid for 24 months.
Order tracking & service: follow card delivery, manage limits, enable travel notices, and open service requests directly in the Itaú Cartões app/website.
Fees
Some plans of Itaú Click Visa/Mastercard Platinum carry R$ 0 annual fee (“Plano Grátis”)
Itaú Visa/Mastercard Platinum on traditional plans list R$ 708,00/ano.
You’ll also see tiered “Plano Básico/Pro/Premium/Super” options (e.g., R$ 17,00/R$ 25,00R$ 34,00/R$ 46,00 per month) for select Platinum/Gold products
Also, higher annual fees for premium travel cards (e.g., LATAM Pass Black and Azul Infinite). Always check your exact card and plan.
Interest (“juros”) and Financing Options
Brazilian card regulation and Itaú’s policy require that your exact monthly interest rate be disclosed on your statement.
That means your personalized rate for the rotativo (when you pay less than the full bill) and any installment (“parcelamento”) offers appear in your bill.
If you can’t pay the full amount, Itaú explains how the crédito rotativo works and what alternatives exist.
Some product lines have a “nova dinâmica de juros”, which determines how interest is charged across different types of financing.
Good practices to save on interest
If you need time, compare the parcelamento offer in the app to the rotativo cost and choose the cheaper option.
Monitor annual-fee plans—you may qualify for a plan with R$ 0 anuidade depending on usage and product.
Enable payment reminders and set up automatic debit to avoid late charges.
Benefits Worth Using From Day One
Virtual card for all online subscriptions and marketplaces. It reduces exposure of the physical number and can be regenerated if compromised.
Itaú Shop to concentrate eligible purchases and earn cashback in points with a defined 24-month validity. Combine this with partner discounts.
Network benefits (Visa/Mastercard) based on your tier—travel assistance, purchase protection, extended warranty, and airport lounge programs on premium tiers.
Category-specific perks on co-branded cards (e.g., airlines, retailers, fuel) that can multiply points or grant exclusive offers.
Service and Support
Cardholder phones (24h for cards; hours may vary by line):
- Capitals/metro areas: 3003-3030 (cards); 4004-4828 (general banking).
- Other locations: 0800-720-3030 (cards); 0800-970-4828 (general banking).
- Hearing/speech impaired: 0800-722-1722.
- From abroad: +55 11 2155-4828 (cards).
- SAC (general support): 0800-728-0728 (24/7).
Ouvidoria (ombudsman): 0800-570-0011 (business days, 9 a.m.–6 p.m., Brasília time). Use the ouvidoria if a first-level service interaction hasn’t solved your case and you have a protocol number.
Head office mailing address (corporate):
Itaú Unibanco Holding S.A., Praça Alfredo Egydio de Souza Aranha, 100, Torre Olavo Setubal, Parque Jabaquara, CEP 04344-902, São Paulo – SP, Brazil.
Quick Checklist Before You Apply
Compare annual-fee plans and benefits (no-fee options exist). Confirm your card’s minimum-income requirement on the product page.
Prepare documents typically requested in Brazil (ID, CPF, proof of address/income).
Install the Itaú Cartões app to track approval, delivery, and set up your virtual card securely.
Enable alerts for purchases and due dates to improve control and avoid fees.
Conclusion
Itaú offers a broad catalog of cards and a mature digital experience that helps you manage spending and protect online purchases with virtual cards.
The bank publishes clear annual-fee options and discloses your personalized interest monthly on your statement, so you can compare costs before financing.
If you apply with a specific set of benefits in mind—and use the app tools from day one—you can enjoy the card while minimizing fees and interest.
Disclaimer: Card features, eligibility criteria, fees, tariffs, and financing costs are subject to change and may vary by product, plan, and customer profile. Always review the latest terms on Itaú’s official pages and your monthly statement/app before contracting financing or confirming fees
