Complimentary airport lounge access worldwide via the Mastercard Black LoungeKey program.
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⚖ Add to comparisonSantander Brasil · Mastercard
Santander Unlimited Mastercard Black
Santander's Unlimited Black leans on Esfera points that never expire plus an esports-and-lifestyle angle, wrapped in Mastercard Black LoungeKey access. Non-expiring points are the genuine edge: you can hoard them for a big airline transfer without the clock running out. The R$1,440 fee waives with high spend, so it suits big spenders who'll redeem; light users won't recoup it. Compared with C6 Carbon, the earn rate is less aggressive, so points purists might prefer C6. International spend carries IOF plus the Mastercard rate as of 2026. Skip it if you spend modestly or won't use the lounges. Confirm fee-waiver spend on santander.com.br.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Esfera program points that never expire
- ✓Move points to airline frequent-flyer programs
- ✓Mastercard Black benefits, lounge access included
- ✓Travel insurance plus a global concierge service
- ✓Exclusive experiences and partner discounts
👍 Pros
- + Points that never expire add value over the long run
- + Airport lounge access worldwide
- + Premium Mastercard Black travel perks
- + Annual fee can be waived with high spending
👎 Cons
- – High annual fee unless waived
- – Requires high income and credit approval
- – Best value goes to travelers and big spenders
Can you get it?
- ▸Brazilian resident holding a valid CPF
- ▸High income backed by comprovante de renda (proof of income)
- ▸A strong Serasa score and credit history
- ▸Approval under Santander's premium card criteria
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
Decided on the Santander Unlimited Mastercard Black?
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