Applying for international-ready plastic starts with verifying current availability and aligning benefits with spending habits.
Many readers search specifically to Apply for the Ourocard Mastercard, because Banco do Brasil’s entry-tier Mastercard traditionally offered global acceptance, app controls, and simple rewards choices.
Current status matters, since Banco do Brasil lists the Ourocard Internacional Mastercard with “commercialization suspended,” meaning new sign-ups are paused while existing cardholders keep using the product normally.
What The Ourocard Internacional Mastercard Is Today
Status on Banco do Brasil’s site shows “Cartão com comercialização suspensa,” which pauses new sales but preserves functionality for active holders.
Daily use, renewals at expiry, reissue requests, and additional cards remain supported, alongside standard network acceptance and issuer benefits that continue operating without interruption. International usage flows through the Mastercard network and works in Brazil and abroad once enabled in channel settings.
Digital wallets, contactless payments, and the Ourocard-e virtual card support online and proximity transactions, while Surpreenda and Mastercard service lines provide network-wide offers and assistance.
How To Apply For Ourocard When Eligible
Application paths follow a short sequence that repeats across Ourocard variants and reopens quickly when specific products return.
Requirements include a Banco do Brasil current account, national tax ID (CPF), a valid photo ID, and device verification inside the Banco do Brasil app.
Non-residents generally need a CPF and an eligible account setup, and banks retain discretion to accept or decline applications under Brazilian rules.
- Open eligibility and channel access by installing the Banco do Brasil app, enabling notifications, and validating device ownership through one-time codes and biometric checks. Keep ID, CPF, and proof of address ready for capture inside the app flows.
- Start the request in Cartões › Solicitar cartão de crédito, select the applicable Ourocard variant, and authorize data checks; existing clients usually complete in minutes when profile data is current. Issuers may present spending controls and virtual availability instantly after approval.
- Complete KYC by scanning an ID (RG or CNH), confirming your CPF, and taking a liveness selfie; the system pairs images with registry checks to prevent impersonation and expedite decisioning. Upload quality directly impacts processing reliability and speed.
- Choose delivery and enable the Ourocard-e virtual card to transact online immediately; physical plastics follow by courier while digital wallets can be provisioned same-day on supported devices. Wallet setup occurs from the card tab using Adicionar ao Google Pay/Apple Pay/Samsung Pay.
- Activate Ourocard Internacional benefits inside “Meus Benefícios” by selecting Pontos, Cashback, or Investimento, then confirm Livelo points conversion or the Dotz upgrade option as preferred. Changes remain reversible later without replacing the card.
Rates, Annual Fee, And Waivers
Published fees for this tier commonly show a holder annuity of 12× R$26,00 (R$312,00), with up to five additional cards priced at 50% of the primary annuity.
Banco do Brasil also communicates an Automatic annual fee discount by month when credit purchases meet a threshold such as R$2.500 in eligible spend, excluding items like bill payments, fees, and cash advances from the calculation.
Brazil’s revolving credit is materially expensive and should be avoided as a financing tool because typical market averages exceeded 440%–450% a.a. in 2025, according to Banco Central releases and the government news agency.
Note: If a balance cannot be paid in full, issuers migrate unpaid amounts to parcelado after 30 days, which still carries high rates relative to personal loans or payroll-deducted credit.
How Points, Cashback, And Investment Work
Entry-tier accrual on Internacional pages indicates 0.5 point per US$1.00 spent, converted automatically to Livelo unless the customer selects alternative benefits.
Correntistas may switch between Pontos, Cashback, and Investimento inside the app’s Meus Benefícios or Cartões menu; non-account holders generally default to Livelo and may migrate to Dotz by opting into partner programs.
Investment
Issuer materials for this tier historically displayed 0.15% cashback or 0.15% investment credited shortly after invoice payment, while exact percentages can differ by product version and campaign.
Investment credits post to a designated fixed-income fund within several business days, and funds can be redeemed back to the checking account with same-day crediting after sell-down windows.
Always review the benefit rate shown for your BIN in the Banco do Brasil app at selection time.
Digital Tools And Mastercard Protections
The Ourocard-e virtual card mirrors the physical plastic with unique numbers for online merchants, enabling immediate use, granular spend controls, and safer storage in checkout profiles.
Digital wallet support includes Apple Pay, Google Pay, and Samsung Pay, allowing tap-to-pay at contactless terminals and secured in-app purchases after issuer tokenization completes successfully.
Promotions through Mastercard Surpreenda add periodic partner offers and “pague 1 leve 2”-style deals, independent of issuer loyalty settings.
Popular Alternatives In Brazil
Eligibility, app experience, and fee structures vary substantially across Brazilian issuers, even when networks match.
Benfica-style app control from newer fintechs often prioritizes clarity, while traditional banks emphasize integrated services, relationship tiers, and cross-selling.
Consider how each issuer treats fee waivers, wallet provisioning stability, and points ecosystems before committing, especially if travel or partner transfers matter.
| Card Provider | Annual Fee | Virtual Card / App Features | Rewards / Perks | Premium Tier | Best Fit For |
| Ourocard Internacional (BB) | Free or R$312 typical list for some variants | Ourocard-e virtual card; BB app controls; wallets | Cashback/investment/points; Mastercard Global Service | Ourocard Black (invite/premium) | BB clients wanting bank-integrated services |
| Nubank Mastercard | R$0; optional paid rewards | Intuitive app, instant virtual card | Optional Nubank Rewards for points | None | Minimal-fee digital card focus |
| C6 Bank Mastercard | Free basic; Carbon with higher fee | Custom card; strong app control | Lounge access on Carbon; marketplace perks | C6 Carbon (Black) | Tech-savvy premium seekers |
| Credicard (Itaú) | Free or threshold-waived | Itaú app; virtual card | Offers and points on higher tiers | Black | Broad coverage via Itaú network |
Figures reflect public issuer materials and market roundups; confirm current fees and benefits in the respective applications at checkout time.
Pros And Cons Summarized
Core strengths include international acceptance, immediate digital issuance, modern wallet support, and flexible benefit selection between points, cash return, and fixed-income allocation.
Integration with Banco do Brasil’s branch and contact network helps global travelers who prefer an incumbent bank’s service layers and dispute processes across channels. Trade-offs involve Brazil’s high-cost revolving rates, IOF on cross-border card transactions, and potential annuity unless waived through spend or campaigns.
Marketing suspension means prospective applicants must either wait for re-opening or target comparable Ourocard variants or other issuer options that match their travel and redemption needs.
Fees For Foreign Use And IOF
Brazil applies IOF to international card purchases, and 2025 policy changes set the card IOF at 3.5%, with prior schedules mentioning step-down paths toward 2028.
Plan budgets with IOF included, consider card network exchange rates, and disable dynamic currency conversion at terminals to avoid poor rates.
Spending abroad through cards remains convenient despite the tax, particularly when pairing with fee waivers and benefit multipliers at merchants or during issuer promotions. Cards from any network incur IOF equally, so strategy should focus on net effective rate after points or cashback rather than headline perks alone.
Contact And Support
Headquarters for Banco do Brasil sits at SAUN Quadra 5, Bloco B, Torre I – Asa Norte, Brasília – DF, CEP 70040-912.
Phone numbers 4004-0001 for capitals, 0800 729 0001 for other regions, 0800 729 0722 for SAC, 0800 729 5678 for ouvidoria, 0800 729 0088 for accessibility, and +55 11 2845 7820 for international calls.
App distribution appears on Google Play for Ourocard, while wallet enrollment guidance appears directly inside the issuer app’s card menus under Adicionar ao Google Pay/Apple Pay/Samsung Pay.
Conclusion
Applying makes sense when the product is on sale and the benefit-to-fee math aligns with the spending profile.
Marketing for the Ourocard Internacional Mastercard is presently suspended for new sales, so eligible readers should apply for an available Ourocard variant or competing cards while tracking status on Banco do Brasil’s channels.
Maintain full invoice payments, configure benefits in app, and rely on network services and virtual numbers to protect transactions domestically and overseas.
