C6 Carbon Mastercard Black
C6 Bank's premium black card with the popular Atomos points program, where points never expire. You get Mastercard Black lounge access, strong international features, and a slick app, making it a favorite among Brazil's digital-banking crowd.
Why it ranks
- Generous points that never expire
- 4 free lounge visits a year, unlimited above R$ 1 million invested
- Excellent app and international account features
- Annual fee can be waived with sufficient spend
What holds it back
- Annual fee applies unless waived by spend
- Requires good income and credit approval
- Premium benefits underused by light spenders
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
Why the C6 Carbon Mastercard Black ranks where it does
O C6 Carbon é um bom cartão de pontos para quem atinge a isenção, e um cartão caro para quem não atinge. A pontuação base é de 2,5 pontos Átomos por dólar para quem investe até R$ 250 mil, subindo para 2,7, 3 e 3,5 pontos conforme o volume investido em renda fixa do C6 ou, no caso de 2,7, com pagamentos elegíveis a partir de R$ 4 mil por mês. Os pontos não expiram e podem virar até 1,7% de cashback na conta.
A anuidade é de R$ 98 por mês, R$ 1.176 por ano, e zera com gastos a partir de R$ 8 mil na fatura, R$ 50 mil em renda fixa emitida pelo C6 ou R$ 1 milhão investido. Mesmo no melhor caso de 1,7% de cashback, seriam precisos cerca de R$ 5.765 de gastos mensais para pagar a mensalidade; entre esse valor e os R$ 8 mil da isenção, o cartão se paga, mas sobra pouco.
O benefício de salas VIP é mais modesto do que o nome Mastercard Black sugere: 4 acessos gratuitos por ano, divididos entre titular, adicionais e acompanhantes, em DragonPass, Espaço C6 Bank e W Premium. O acesso ilimitado fica reservado a quem investe mais de R$ 1 milhão.
Good fit if
- Quem gasta R$ 8 mil ou mais por mês no cartão
- Investidores com R$ 50 mil ou mais em renda fixa do C6
- Quem quer pontos que não expiram e a opção de trocá-los por dinheiro
Skip it if
- Quem gasta pouco e não investe no C6, já que a anuidade chega a R$ 1.176 por ano
- Quem viaja com frequência e precisa de muitos acessos a salas VIP
Suponha gastos de R$ 8.250 por mês, cerca de US$ 1.500 supondo R$ 5,50 por dólar, e investimentos abaixo de R$ 250 mil. Com 2,5 pontos por dólar, são 3.750 pontos por mês e 45.000 no ano. Como a fatura passa de R$ 8 mil, a anuidade é zerada. Para ficar no lado conservador, atribuímos a cada ponto R$ 0,02, um valor de referência nosso e não do banco: 45.000 × R$ 0,02 = R$ 900 no ano. Sem a isenção, a anuidade de R$ 1.176 superaria esse valor.
How it stacks up
O Nubank Ultravioleta usa a mesma régua de isenção e cobra R$ 89 por mês fora dela, com 1,25% de cashback, IOF zero no exterior e Priority Pass, um pacote mais forte para quem viaja. O Itaú Personnalité Visa Infinite sai mais barato, R$ 1.056 por ano, e zera com R$ 10 mil de gastos mensais, mas exige conta Personnalité.
C6 Bank's premium black card with the popular Atomos points program, where points never expire. You get Mastercard Black lounge access, strong international features, and a slick app, making it a favorite among Brazil's digital-banking crowd.
C6 Carbon Mastercard Black at a glance
| Issuer | C6 Bank |
| Card network | Mastercard |
| Annual fee | R$ 98 a month (R$ 1,176 a year) unless you meet the waiver criteria |
| Welcome bonus | Bonus Atomos points for new premium clients (varies) |
| Rewards rate | From 2.5 Atomos points per US dollar, up to 3.5 with more than R$ 1 million invested |
| Intro APR | N/A |
| Regular APR | Variable rotativo per C6 Bank's disclosed rates |
| Foreign transaction fee | IOF plus Mastercard exchange rate on international spends |
| Credit needed | Good to Excellent |
| Best for | Digital-banking users who want premium perks and lasting points |
| Airport lounge access | 4 free visits a year, shared by cardholder, additional cards and guests; unlimited with more than R$ 1 million invested |
Rewards & benefits
- From 2.5 Atomos points per US dollar, up to 3.5 with more than R$ 1 million invested
- Atomos points never expire
- Mastercard Black benefits, including 4 free lounge visits a year
- Free global account and competitive exchange features
- Transfer points to airline partners
Eligibility & who it suits
- Brazilian resident with a valid CPF
- Comprovante de renda (proof of income) meeting C6's threshold
- Strong Serasa score and credit history
- Account opened and verified via the C6 Bank app
How to apply
Check current rates on C6 Bank’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar Brazil cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | CC6 BankC6 Carbon Mastercard BlackR$98/yr · BR C6 Carbon Mastercard BlackDigital-banking users who want premium perks and lasting points |
R$98/yr | From 2.5 Atomos points per US dollar, up to 3.5 with more than R$ 1 million inve… | Bonus Atomos points for new premium clients (varies) | IOF plus Mastercard exchan… | Good to Excellent | |
| 2 | NPNu Pagamentos (Nubank)Nubank Ultravioleta Mastercard BlackR$89/yr · BR Nubank Ultravioleta Mastercard BlackPremium digital users who want cashback plus Black benefits |
R$89/yr | 1.25% cashback, or from 2.2 points per US dollar | No fixed welcome bonus; premium benefits from activation | Zero IOF on international… | Good to Excellent | |
| 3 | IUItau UnibancoItau Personnalite Visa InfiniteR$1,056/yr · BR Itau Personnalite Visa InfiniteAffluent Itau clients who travel internationally and value miles |
R$1,056/yr | 3 points per US dollar on international purchases, 2 on domestic purchases | Bonus points and benefits for Personnalite clients on activa… | IOF plus Visa exchange rat… | Excellent | |
| 4 | BBBanco BradescoBradesco Visa AeternumR$1,848/yr · BR Bradesco Visa AeternumBradesco Private Bank clients who spend in foreign currency and collect Livelo points |
R$1,848/yr | 4 Livelo points per US dollar in Brazil, 7 abroad | Bonus Livelo points for new premium clients on activation | IOF plus Visa exchange rat… | Excellent |
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