Applying for the Ourocard Visa Online is straightforward through Banco do Brasil’s digital channels, even when starting from abroad.
This Visa credit card family centers on flexible rewards, robust travel protections, and tight app control over settings and limits.
New applicants should focus on the Platinum variant because Banco do Brasil suspended new sales of the legacy Visa International while fully supporting existing users.
What The Card Is And Who It Fits
Ourocard Visa Platinum is a multifunction credit card issued by Banco do Brasil with international acceptance and management through the BB App.
The card combines:
- Convenience,
- Security tools, and Visa Platinum travel protections
- It supports contactless payments and major mobile wallets, including Apple Pay, Google Pay, and Samsung Pay.
Cardholders earn 1.2 Livelo points per US$1 spent by default, with the option to switch the reward path to Dotz or select cashback or investment if holding a BB checking account.
Eligibility, Documents, And Availability Worldwide
Applications are available to both Banco do Brasil clients and non-clients, with online onboarding supported directly in the BB App for identity verification and credit analysis.
- Non-clients typically submit basic identification and income details during the in-app flow, while existing clients complete a shorter process because records already exist.
- Legacy “Ourocard Visa International” shows “commercialization suspended” on the official website, so new applicants seeking a Visa variant should choose Platinum or higher tiers.
- Existing International cardholders continue with full functionality, including renewals and additional cards, while rewards and fee policies follow each product’s conditions.
Step-By-Step: Apply In The App Or Online
Getting the application done in minutes works best through the official mobile channels. Keep your government ID, address proof, and income proof handy if not already a BB client, then follow the sequence below.
- Install the Banco do Brasil BB App from Google Play or App Store and start the onboarding flow as a client or non-client. The app drives identity capture and enables credit analysis without visiting a branch in most scenarios.
- Open the Cards or Products for me area, choose apply for Ourocard Visa, and select Ourocard Visa Platinum as the product to proceed. Ensure personal details match official documents to avoid manual review delays.
- Upload requested documents and complete liveness checks when prompted in the BB App, then confirm your delivery address for the physical card. Virtual spending becomes available via Ourocard-e virtual card after approval.
- In Cards → My Benefits, pick Points or Cashback/Investment to define your preferred reward path; correntistas can select cashback or investment, while others may stick with points and optionally choose Dotz. Settings can be changed later in the same menu.
- Add the approved card to Apple Pay, Google Pay, or Samsung Pay for contactless transactions, and enable international usage and travel notices if planning cross-border purchases. Digital wallet support and NFC tap-to-pay work immediately after activation.
Rewards Options And Percentages
Selecting and switching rewards occurs in-app under My Benefits, enabling three distinct paths with different crediting timelines.
The table summarizes headline rules for the Platinum tier, based on Banco do Brasil’s pages and current program language.
| Reward Path | Platinum Rate | Crediting Timeline | Notes |
| Livelo points | 1.2 points per US$1 | Points post automatically after billing | Livelo points conversion supports airline transfers and shopping redemptions. |
| Cashback | 0.75% of billed spend | Up to three business days after invoice payment | Available to BB account holders under cashback or investment option. |
| Investment | 0.75% of billed spend | Up to four business days after invoice payment | Deposited into a fixed-income fund, redeemable to the account same-day. |
Short promotional boosts may appear seasonally inside Livelo or BB channels, so keep an eye on in-app campaigns for better transfer bonuses or enhanced redemptions.
Regular monitoring of promos helps stretch value when converting to airlines or using cash-equivalent features.
Fees, Waivers, And Additional Cards
Banco do Brasil lists the Ourocard Visa Platinum annual fee at R$546, payable in 12× R$45.50, with up to five additional cards at 50% of the main fee.
The bank advertises “Usou, zerou!” monthly fee waivers when hitting a defined credit-spend threshold in the statement cycle.
Platinum-tier pages show the automatic waiver mechanic and, for the parallel Mastercard Platinum page, explicitly state the R$6,000 monthly-spend threshold; Banco do Brasil appears to apply the same Platinum rule across brands.
Digital Tools: Security And Daily Convenience
Creating an Ourocard-e virtual card enables safer online purchases by generating a distinct card number, CVV, and configurable validity, while keeping the physical card protected.
Cardholders can create single-use cards for subscriptions or merchants and disable them instantly if fraud is suspected. Contactless payments and mobile wallets provide tap-and-go checkout in stores, with setup available for Apple Pay, Google Pay, and Samsung Pay inside the BB and wallet apps.
The BB environment also supports quick international-use enablement and travel notes when buying abroad or booking overseas services.
Travel Protections And Visa Platinum Perks
Visa Platinum includes travel insurance, extended warranty, and purchase protection, with certificate generation and claim tracking handled through the Visa Benefits Portal.
Issuing the travel insurance certificate before the trip is required, and qualifying purchases must be paid with the card to activate coverage.
Additional lifestyle benefits surface periodically through Visa’s event access and partner offers, complementing Banco do Brasil’s entertainment and cultural platform for Ourocard cardholders.
Tolls And Mobility: BB Tag Integration
BB Tag, delivered in partnership with Veloe, enables automatic BB Tag toll payment across 100% of Brazilian toll roads and many private parking facilities.
Plans include prepaid and postpaid models, with promotional free months and management through BB and Veloe channels visible on official materials.
Ordering can be done inside the BB or Ourocard apps, and charges are posted to the selected Ourocard credit line or checking account per the chosen plan.
FAQs
You might ask these questions along the way:
- Can rewards be switched after activation without losing older balances or redemptions already made?
Yes, switching paths does not convert prior points, and existing balances remain usable in Livelo or Dotz according to each catalog’s rules, while new accrual follows the freshly selected option. - Is the card available to non-clients, and how long does approval usually take?
Applications accept non-clients through the BB App, with document capture and credit checks done digitally, and typical outcomes communicated within a few business days by the bank or via app notifications. - How soon does cashback or investment post after invoice payment each cycle?
Cashback posts in up to three business days, while investment credits publish in up to four business days, both tied to the invoice payment date under Platinum terms. - What about the older Visa International card mentioned on some sites and forums?
The bank’s page marks that product as “commercialization suspended,” yet existing holders keep all standard functionalities, including renewals and additional cards, under the original conditions. - Where are Visa Platinum insurance certificates issued for trip coverage purposes?
Certificates and claims are handled on the Visa Benefits Portal, which centralizes travel insurance issuance, claim submissions, and status tracking for eligible cards.
Conclusion
Selecting the Ourocard Visa Platinum through the BB App provides flexibility to choose points, cashback or investment option, and access to Visa Platinum travel insurance with widely accepted digital payments.
The blend of Ourocard Visa Platinum benefits and app control over limits, alerts, and virtual cards fits frequent travelers and digital-first spenders.
Banco do Brasil’s waiver policy and BB Tag support add practical savings and mobility convenience alongside the core rewards engine.
