The Ourocard Mastercard was one of Banco do Brasil’s most flexible financial tools. It worked for purchases, online payments, and banking transactions both in Brazil and abroad.
This card supported credit, debit, and even installment plans, making it a versatile choice. If you're looking for direct info on how to apply, manage, or understand its benefits, you're in the right place.
What is the Ourocard Mastercard?
The Ourocard Mastercard is a multifunctional product. It allows you to shop, transfer funds, and manage expenses easily.
With broad acceptance in Brazil and internationally, it's linked to your BB account. The card works for everyday use, travel, and digital services.
Sales Status and Card Access
You can’t apply for a new Ourocard Mastercard right now. Banco do Brasil has suspended new sales of this card.
But existing users still enjoy full benefits. If you have the card, nothing changes in how you use it.
Ongoing Services for Current Cardholders
Cardholders can still use the Ourocard Mastercard regularly. You can renew it upon expiration, or ask for an extra copy if needed.
All BB services connected to the card remain active. Benefits and tracking tools continue without disruption.
Who Could Apply Before Suspension?
When it was open for application, the bank reviewed a few basic requirements. The process aimed to ensure you could handle repayments.
Application was online through BB’s app or website. These are the standard conditions they checked.
Eligibility Requirements
Applicants needed to meet simple financial and residency criteria to qualify.
- Minimum age of 18 years.
- Legal residency in Brazil and a valid CPF.
- Proof of regular income or BB account relationship.
- Clean credit record with local credit agencies.
Online Application Process (When Active)
Applying was fully digital and took only a few minutes. You needed an account or login credentials. Once you were inside the BB system, you’d follow the steps on the card section.
Step-By-Step Process
You could complete the full card application digitally through the BB App or website.
- Open BB’s website or app and log in.
- Navigate to “Cards” and choose Ourocard Mastercard.
- Complete the digital application form.
- Upload required documents like ID and income proof.
- Submit and wait for approval via notification or email.
Debit, Credit, and Installment Modes
The card came in multiple forms, depending on what you needed. Whether it was tied to your checking account or offered monthly credit, the functionality was smooth. You could also set installment options for big purchases.
Card Mode Options
You could activate one or all usage types based on your account settings.
- Debit Mode: Funds come directly from your account.
- Credit Mode: You get a monthly bill to pay off.
- Installment Mode: Split payments over time with interest.
Ourocard Mastercard Benefits – Your Way
Banco do Brasil allowed users to pick how they earned rewards. You could choose points, cashback, or investment.
These benefits helped optimize the card based on your lifestyle. Each user had the option to switch benefits anytime.
Benefits You Could Choose
You could switch benefits anytime directly in the app.
- Points: Earn 0.5 points per US$1.00. Points convert to Livelo automatically.
- Investment: Get 0.15% of your payment amount invested in a fixed income fund.
- Cashback: Get 0.15% back directly to your checking account.
How to Switch Rewards in the BB App?
Switching was easy using the official BB app. The app let you manage rewards with just a few taps. The process was flexible and could be changed as often as needed.
Steps to Change Benefit Type
You could switch reward types using a few taps on the BB app.
- Open the BB App and go to “Cards” or “My Benefits.”
- Select “Points or Cashback/Investment.”
- Confirm your new selection and wait for it to activate.
Tracking and Managing Your Card
All transactions and benefits could be tracked digitally. BB offered full control from your phone. This made monitoring your spending and rewards easy. Everything was integrated into a clean dashboard.
Digital Tools Included
You had full access to transaction alerts and card settings from the app.
- Real-time alerts for each transaction.
- Full digital statements available anytime.
- Settings for card blocking, spending limits, and support.
Interest Rates and Card Charges
Interest rates depended on your credit profile. The values were within the usual range for cards in Brazil. You should always check current rates directly with BB.
Sample Rates and Fees
These were the typical costs when the card was active.
- Rotating credit: between 9.38% and 12.89% monthly.
- Installment options: 1.99% to 7.99% interest per month.
- Late payments: 2% penalty plus monthly default interest.
- Annual fee: Adjusted based on limit and card usage.
Foreign Purchases and International Use
The Ourocard Mastercard worked internationally. You could use it for travel or foreign websites. It's part of the Mastercard network, giving access to global merchants. Just keep an eye on conversion costs.
Cross-Border Features
You could use the Ourocard Mastercard in most countries without issues.
- Accepted in over 210 countries through Mastercard.
- Currency conversion fee of around 5%.
- Alerts and fraud protection enabled for overseas use.
Support and Help Channels
If you had questions, BB had multiple lines open. You could use the app, phone lines, or in-person service. Support was available both in Brazil and abroad.
Contact Details
You had several ways to resolve issues or manage your account.
- For capitals/metro areas: 4004 0001
- For other regions: 0800 729 0001
- From outside Brazil: +55 11 2845 7820
- Official website
Security Tips for Daily Use
Protecting your card was easy with BB’s tools. You could set controls and monitor activity. Digital security was included in every feature. You just needed to keep them enabled.
Best Practices
You could enable key safety features in the BB App.
- Use virtual cards for online shopping.
- Enable two-factor authentication in the app.
- Avoid logging in on public Wi-Fi networks.
- Block your card immediately if lost or stolen.
Managing Replacements or Cancellation
If you needed to cancel or replace your card, BB made the steps clear. You could do it all digitally or by phone. This was useful if your card expired or got damaged.
How to Request Card Actions?
You could manage these options inside the BB App.
- Use the app to cancel, block, or request a second copy.
- Call support lines for help if needed.
- Renew your card before it expires to avoid disruptions.
Final Thoughts: What to Do Next
The Ourocard Mastercard is still a useful product if you already have it. It gives you control, rewards, and access across Brazil and abroad.
If BB reactivates it, you'll be ready with this guide. Visit the official website to stay informed and check for updates.
Disclaimer
Interest rates, conditions, and benefits may change over time. Always check the official Banco do Brasil site for updated information. This article is for educational purposes and does not provide financial advice.
