Resumo rapido

• Nubank launches Croma segment with Mastercard Platinum card and reward choice.
• Earn either 0.8% cashback on all credit purchases or 1 point per US$1.40 spent.
• Points transfer to LATAM Pass, Azul Fidelidade, and Smiles.
• Monthly fee R$39, waived with R$4k monthly card spend or R$30k invested/held.
• Extra perks: 5% cashback on 28 streaming/subscriptions, free ChatGPT Go, 80% off HBO Max, free NuCel data, no NuTag fee, high‑yield Caixinha (120% CDI) and CDB (130% CDI).

Introdução

Nubank just rolled out a new tier called Croma that sits between its basic account and the premium Ultravioleta. This tier is aimed at customers who keep most of their banking inside Nubank, offering a Platinum‑level credit card, a choice of cashback or mileage rewards, and a suite of digital services and investment options. The goal is to give heavy users a single place to earn, save, and spend without juggling multiple products.

Detalhes da oferta

The centerpiece is a Mastercard Platinum card that lets you pick your preferred reward model. Opt for cashback and you’ll receive 0.8 % back on every credit purchase; choose mileage and you’ll collect 1 point for each US$1.40 spent. Both rewards appear instantly and can be redeemed or transferred right away. The points are compatible with LATAM Pass, Azul Fidelidade, and Smiles, giving you flexibility across Brazil’s main airline programs.

Beyond the card, Croma adds a 5 % cashback bucket that covers 28 subscription services. Major partners include Netflix, Disney+, Prime Video, Spotify, YouTube Premium, Uber One, Clube iFood, and Globoplay, among others. The segment also bundles digital perks: a six‑month free trial of ChatGPT Go, an 80 % discount on HBO Max, a complimentary NuCel 10 GB plan for the first half‑year, and a fee‑free NuTag.

Investment tools are also upgraded. The Caixinha Turbo now yields 120 % of the CDI with daily liquidity, while the new CDB Croma offers 130 % of the CDI, reserved for eligible newcomers. These products replace the previous auto‑rendimento model, giving users more control over where their money grows.

Regras e requisitos

Croma costs R$39 per month, but the fee disappears if you meet one of two criteria: spend at least R$4,000 on your credit card each billing cycle, or keep R$30,000 invested or saved within Nubank. The segment is released gradually via the app, targeting existing customers who qualify. No additional annual fees are listed for the card or the extra services beyond the base R$39 charge.

Como aproveitar

If you already bank heavily with Nubank, aim to hit the waiver threshold—either by concentrating spending on the new card or by moving existing savings into a Croma‑eligible investment. Choose points if you travel internationally or with LATAM, Azul, or Smiles; otherwise the 0.8 % flat cashback is straightforward. Take advantage of the subscription cashback by ensuring your streaming and mobility services are among the 28 partners, and sign up for the free ChatGPT Go trial before it expires. Finally, lock in the higher‑yielding CDB and Caixinha options to boost your returns within the same platform.

Vale a pena?

Croma is attractive for power users who can meet the fee‑waiver conditions. The combination of a Platinum card, a competitive points transfer system, and a generous subscription cashback makes it a strong value proposition compared with standard credit‑card rewards. The investment side adds extra yield that few fintechs offer, especially the 130 % CDI CDB for new investors. The main downside is the requirement to spend or invest sizable amounts to avoid the R$39 fee, which may not suit casual users. Overall, for those who already concentrate their banking with Nubank, the tier delivers a comprehensive set of benefits that can outweigh the monthly cost.

Aviso importante

Fonte original: https://pontospravoar.com/nubank-lanca-segmento-croma-com-cartao-platinum-cashback-e-programa-de-pontos/

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