You’ll learn to apply for the Nubank Credit Card, one of the most popular digital banking products in Brazil, known for its simplicity, transparency, and low fees.
It offers a fully digital experience through its mobile app and provides credit solutions without the bureaucratic hurdles of traditional banks.
Has gained popularity among Brazilians seeking practical financial tools that fit their daily routines.
Key Nubank Credit Card Options
The brand offers three primary credit cards.
Nubank Mastercard Gold
This card is perfect for those looking to secure their purchases and enjoy added shopping peace of mind.
Extends the original manufacturer’s warranty by up to one year when you use the card for the purchase.
Reimburses the price difference if you find the same item cheaper after purchase. Covers theft or accidental damage to eligible purchases for up to 30 days.
Nubank Mastercard Platinum
The Nubank Mastercard Platinum is designed for users who enjoy travel and premium services.
Customized travel planning services by experienced professionals, 24/7 personal assistant service for reservations, gifts, and travel arrangements.
Access to exclusive cashback and discounts at select international merchants. This card fits well for people who value global travel benefits and concierge support.
Nubank Purple Credit Card
Designed for customers who want additional perks, like points in the Nubank Rewards program that never expire
Includes R$49 monthly fee (waived with R$5,000 in monthly spend), Access to VIP airport lounges through LoungeKey, and insurance for travel and purchases.
Nubank Credit Card Benefits
Both card options come with a wide range of advantages that emphasize ease of use and transparency. Here are some standout benefits:
- Digital management: You control your card via the mobile app
- Purchase alerts in real-time to monitor spending
- Block/unblock your card instantly from the app
- Installment options directly within your app
- 24/7 customer support via chat, email, or phone
These features make the credit card especially appealing to tech-savvy users and young professionals who prefer mobile-first solutions.
How to Apply for a Nubank Credit Card
Applying is fast and can be done entirely online. You must meet a few basic eligibility criteria.
This includes having a valid CPF, residing in Brazil, and passing the bank credit analysis.
Application Steps
Visit https://nubank.com.br and tap on the option to enter your CPF. You will also be asked full name and email address.
Submit your personal information and take a photo of your ID. Wait for approval, which typically takes a few business days.
Once approved, you will receive a virtual card immediately, and the physical card will be mailed to your address.
Nubank Credit Card APR and Interest Rates
The Nubank credit card APR is based on user behavior and credit history.
- APR for revolving credit: Between 2.75% and 15.0% per month
- APR for installment payments: Around 1.99% to 13.75% per month
- Late payment fine: 2% plus 1% monthly interest on overdue balances
These rates may vary, so it’s essential to consult your personal credit card statement, which Nubank generates monthly via the app or email.
Nubank Credit Card Limit and Increases
Your financial profile determines your initial credit card limit.
Over time, they may offer limit increases based on your payment history and spending behavior.
How to Increase Your Limit
Always pay your statement on time and use your full limit regularly, but responsibly.
Request a review in the app under “Ajustar Limite”.
The system uses AI-based models to assess your creditworthiness and grant increases gradually.
Credit Card Statement Nubank: How to Access It
Your credit card statement is available digitally and updates in real-time.
You can access it directly through the app.
Statement Features:
- View your transaction history
- See upcoming due dates
- Track interest applied
- Download in PDF format
- Set up automatic payment (débito automático)
This ensures full control over your finances and helps prevent surprises at the end of the month.
Extra Services and Rewards
They also provide extra tools and features to enhance your card usage:
- Nubank Rewards (Purple Card): Earn points that don’t expire and can be used to erase purchases like flights, hotels, and Uber rides.
- Seguro de Vida Nubank: Optional life insurance coverage available through the app.
- Empréstimo Pessoal: Eligible users may apply for personal loans with flexible terms.
These services aim to provide a comprehensive digital banking experience tailored to each user’s lifestyle.
Bank Contact Information and Support
If you need help or want to reach out to the bank, they offer several contact options.
Customer Service
Phone: 0800 608 6236 (24/7)
Email: meajuda@nubank.com.br
In-app chat: Available directly in the mobile app
Headquarters Address
Nu Pagamentos S.A.
Rua Capote Valente, 39
Pinheiros, São Paulo – SP
CEP: 05409-000
Brazil
Managing Your Nubank Brazil Credit Card
Always monitor your spending using the app and enable purchase notifications for security.
Avoid the revolving balance to reduce interest charges. Use the installment options wisely
Set reminders for your due dates
These actions help you build a strong credit record and maximize your experience.
Competition Comparison Table
The Nubank credit card family offers unmatched accessibility, solid travel perks, and excellent control through its app.
It competes well with traditional banks, especially for those seeking a no-fee or low-fee experience with transparent benefits.
| Feature | Nubank Purple / Platinum | Itaú Iti Platinum | Banco do Brasil Ourocard | Bradesco Elo Nanquim |
|---|---|---|---|---|
| Annual Fee | R$49/month (Purple) | R$0 | Varies | ~R$1,200/year |
| Application | 100% digital | Digital | Bank account required | In-branch or online |
| Lounge Access | Yes (Purple only) | No | Limited | Yes |
| Rewards Program | Nubank Rewards (no expiry) | Iti Points | Ponto pra Você | Livelo |
| Shopping Protection | Yes (Gold, Purple) | Yes | Yes | Yes |
| Concierge Services | Yes (Platinum, Purple) | Yes | Yes | Yes |
| Credit Flexibility | High | Moderate | Low | Moderate |
Conclusion: A Modern Credit Card for a Digital Generation
Apply for the Nubank Credit Card, which stands out in Brazil’s financial market due to its focus on user experience, no annual fees (for Internacional), and app-based control.
The purple credit card offers valuable perks for premium users, while the Nubank international credit cards give you global usability.
The transparent APR will draw you, a flexible credit card limit, or a real-time credit card statement.
Disclaimer: This article provides general information based on publicly available sources as of the time of writing. Interest rates, fees, and features may change over time. Always check the official website or app for the most up-to-date and accurate information.
