Santander Unlimited Mastercard Black
A premium Mastercard Black from Santander with an esports and lifestyle twist. You get unlimited points that never expire through the Esfera program, Mastercard Black lounge access, and a generous set of travel and entertainment benefits.
Why it ranks
- Points that never expire add long-term value
- Worldwide airport lounge access
- Premium Mastercard Black travel perks
- Annual fee can be waived with high spend
What holds it back
- High annual fee unless waived
- Requires high income and credit approval
- Best value for travelers and big 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.
A premium Mastercard Black from Santander with an esports and lifestyle twist. You get unlimited points that never expire through the Esfera program, Mastercard Black lounge access, and a generous set of travel and entertainment benefits.
Santander Unlimited Mastercard Black at a glance
| Issuer | Santander Brasil |
| Card network | Mastercard |
| Annual fee | R$1,440 |
| Welcome bonus | Bonus Esfera points for new clients on activation |
| Rewards rate | Strong points earn, transferable to airline partners |
| Intro APR | N/A |
| Regular APR | Variable rotativo per Santander's disclosed rates |
| Foreign transaction fee | IOF plus Mastercard exchange rate on international spends |
| Credit needed | Excellent |
| Best for | Premium clients who want non-expiring points and lounge access |
| Airport lounge access | Yes |
Rewards & benefits
- Esfera program points that never expire
- Transfer points to airline frequent-flyer programs
- Mastercard Black benefits including lounge access
- Travel insurance and global concierge service
- Exclusive experiences and partner discounts
Eligibility & who it suits
- Brazilian resident with a valid CPF
- High income with comprovante de renda (proof of income)
- Strong Serasa score and credit history
- Approval per Santander's premium card criteria
How to apply
Check current rates on Santander Brasil’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 | SBSantander BrasilSantander Unlimited Mastercard BlackR$1,440/yr · BR Santander Unlimited Mastercard BlackPremium clients who want non-expiring points and lounge access |
R$1,440/yr | Strong points earn, transferable to airline partners | Bonus Esfera points for new clients on activation | IOF plus Mastercard exchan… | 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 | 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 | |
| 4 | 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 |
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