Unlimited VIP airport lounge access worldwide via the Visa Infinite LoungeKey program.
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⚖ Add to comparisonXP Investimentos · Visa
XP Visa Infinite Credit Card
The XP card is a rare combo: Visa Infinite travel benefits and unlimited worldwide lounge access with no annual fee, provided you keep qualifying investments at XP. The cashback (up to 1%) can auto-reinvest, which compounds nicely for an existing XP client. The whole proposition hinges on being an XP investor; lose the qualifying balance and the value, including the fee waiver, can change. As of 2026 international spend still carries IOF plus the Visa rate, so it's not a free-FX travel card. Skip it if you're not an XP client or won't maintain investments. Confirm qualifying-balance rules on xpinc.com.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Earn up to 1% cashback on purchases
- ✓Reinvest cashback automatically into XP investments
- ✓Visa Infinite travel insurance plus a global concierge
- ✓Worldwide airport lounge access with no limit
- ✓No annual fee for qualifying XP clients
👍 Pros
- + Premium Visa Infinite benefits with no annual fee
- + Cashback that compounds once reinvested
- + Worldwide lounge access with no limit
- + A great fit for existing XP investors
👎 Cons
- – Fee waiver depends on keeping XP investments
- – Best value requires being an XP client
- – Cashback is capped at around 1%
Can you get it?
- ▸Brazilian resident holding a valid CPF
- ▸An XP Investimentos account with qualifying investments
- ▸A strong Serasa score and credit history
- ▸Comprovante de renda or an investment balance as required
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
Decided on the XP Visa Infinite Credit Card?
Finish your application on the issuer's own secure site.
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