Below is a step-by-step guide, verified contact details, key interest rates, and practical tips to help you apply for Nubank Credit Card.
Nubank’s credit card is designed for everyday use with no annual fee and full control in the app.
It issues Mastercard Gold and Platinum variants and uses an automated credit analysis to approve applications.
What You Get With the Nubank Credit Card
Nubank offers an international Mastercard managed entirely by mobile app, with no annual fee (“anuidade”) on the standard “roxinho” (Gold/Platinum).
The platform provides simple digital onboarding and in-app features like virtual cards, spending controls, and additional cards under the same limit.
You can track transactions in real time, categorize expenses, and lock/unlock the card instantly if needed.
The card is widely accepted and integrates with major digital wallets.
Card tiers
The entry product is usually Mastercard Gold (purchase protection benefits via Mastercard)
Some customers receive Mastercard Platinum (extra travel benefits). Tier assignment is data-driven and can change as your profile evolves.
Benefits from Mastercard are provided by the network and may vary by country, so check the details inside the app.
| Feature / Benefit | Nubank Mastercard Gold | Nubank Mastercard Platinum | Nubank Ultravioleta (Black) |
|---|---|---|---|
| Main Benefits | Purchase Protection, Extended Warranty, Price Protection | Travel Assistance, Concierge, Medical Assistance Abroad | Airport LoungeKey Access, Cash-back on all purchases, Premium travel insurance |
| Cashback | Not included | Not included | 1% cash-back credited daily, yields 200% of CDI if not withdrawn |
| International Use | Yes (PTAX + 4% spread, IOF 3.5%) | Yes (PTAX + 4% spread, IOF 3.5%) | Yes (PTAX + 4% spread, IOF 3.5%) |
| Mobile App Control | Yes – full control via Nubank App | Yes – full control via Nubank App | Yes – full control via Nubank App |
| Digital Wallets | Compatible with Apple Pay, Google Pay, Samsung Pay | Compatible | Compatible |
| Credit Limit Review | Automatic based on usage and payment history | Automatic based on usage and payment history | Manual and dynamic review options |
| Travel Insurance | Basic via Mastercard | Expanded via Mastercard Platinum | Premium coverage via Mastercard Black |
| Purchase Protection Duration | 30–90 days (Mastercard Gold) | Up to 120 days | Up to 180 days |
| Concierge Service | No | Yes | Yes (priority concierge) |
| Airport Lounge Access | No | No | Yes (LoungeKey) |
Interest Rates, Costs, and CET
Nubank publishes a transparent rate table.
- Revolving interest (juros de crédito rotativo): 2.75%–19.99% a.m.
- Installments of the bill (parcelamento da fatura): 0.99%–19.75% a.m.
- Late payment: interest at the same applicable rate (revolving or installment) + 1% a.m. late fee interest, plus 2% penalty (“multa”).
- Cash advance interest: 9.75% a.m.
- International purchases: PTAX sell + 4% spread, IOF 3.5%.
- Maximum CET (Total Effective Cost): 289.42% p.a.
Rates can vary by customer profile and the time you apply for the Nubank Credit Card.
Review the current table in your app or on Nubank’s pricing pages before using revolving credit or parceling a bill.
Whenever possible, pay the statement in full to avoid high interest costs.
How to Apply For Nubank Credit Card
Any Brazilian resident with a valid CPF can request the card via web or app.
Nubank evaluates every request individually using data from credit bureaus and public records to prevent fraud and delinquency.
Approval or refusal doesn’t necessarily reflect a negative record; often, it’s due to insufficient public data to score the applicant.
You’ll provide your CPF and contact details; during onboarding, Nubank may ask for a photo ID and (in some cases) proof of address to verify identity.
- Start on the official channel. Visit Nubank’s application page or install the Nubank app (Android/iOS). Use only official app stores and domains.
- Enter your CPF and basic data. The flow begins by collecting your CPF, full name, email, mobile number, and date of birth to run eligibility checks.
- Complete identity verification if prompted. Depending on your case, Nubank may request photos of a government ID (RG/CNH) and, in some cases, proof of address. Follow the in-app instructions and ensure the photos are well-lit and readable.
- Credit analysis. Nubank processes your request with bureau data and internal risk models. If there isn’t enough information, approval may be delayed or declined; this is not necessarily due to negative credit.
- Approval and activation. If approved, your virtual card appears in the app for immediate use and online purchases. After the physical card arrives, activate it in the app (“Recebi o Cartão”) by confirming the last digits and following the on-screen steps.
- Time to decision. The timeline is automated and can be fast, but it depends on data validation and risk checks; Nubank doesn’t guarantee a fixed response time.
Smart Usage Tips (to boost approval and limits)
Keep your data consistent. Align your address, phone, and email across major services so bureau data matches your application.
Strengthen your profile over time. Responsible use of credit products and on-time payments help your overall credit standing.
If needed, compare bill installments (0.99%–19.75% a.m.) with a personal loan or other lower-cost options.
Watch international costs. The PTAX sell rate + 4% spread and IOF 3.5% apply to foreign transactions; plan purchases accordingly.
Managing Your Card Entirely in the App
Inside the Nubank app, you can lock/unlock your card, set limits, generate virtual cards, and track spending by category.
You can also enable or disable international transactions, change due dates, and request an additional card that shares the same limit.
Push notifications alert you to each transaction in real time.
If you lose your card or phone, you can quickly block the card and contact support through the app or by phone.
Official Customer Support
Customer service — capitals & metro areas: 4020-0185
Customer service — other locations (Brazil): 0800-591-2117
Ombudsman (Ouvidoria, business days 8:00–18:00 Brasília time): 0800-887-0463 • [email protected]
Nu Pagamentos S.A. Rua Capote Valente, nº 39 – Pinheiros – São Paulo/SP – CEP 05409-000 (Brazil).
Conclusion
Apply for a Nubank Credit Card to get a no-annual-fee structure with a streamlined, app-first application that most users can complete in minutes.
Your approval depends on a data-driven analysis, so keeping your information accurate and consistent helps.
If you value a clean interface, strong controls, and clear pricing, this card offers a straightforward way to manage day-to-day spending.
Disclaimer: This guide summarizes public information about Nubank’s credit card and may change without notice. Always review the latest terms, rates, fees, and contact details in your Nubank app or official documents before applying or using the product.
