Resumo rapido

• First‑year annual fee waived for Black, Infinite, Platinum and Gold variants.
• Points earned from 1.0 up to 3.5 per dollar, depending on card and monthly spending.
• Up to four additional cards are free; a second‑card purchase can be pooled with the primary to meet fee‑waiver thresholds.
• Zero IOF on international purchases and lounge access for Black/Infinite cards.
• After the introductory period, annual fees start at R$468 (Gold) and reach R$1,068 (Black/Infinite), but can be fully waived by meeting spending or investment criteria.

The Porto Bank credit line is currently offering a promotional period that eliminates the usual annual fee for the first twelve months, giving new applicants a risk‑free way to experience premium card benefits. This no‑cost introduction applies to all four tiers—Black, Infinite, Platinum and Gold—allowing users to explore higher‑tier perks without an immediate financial commitment. The promotion also extends to extra cards, which are completely free, and encourages users to consolidate spending across multiple cards to satisfy the waiver requirements later on.

In terms of earning power, the Visa Infinite and Mastercard Black variants award 2.5 points per dollar, with a boost to 3.5 points when a monthly invoice exceeds R$20,000. The Mastercard Black also offers unlimited lounge access at Guarulhos. The Platinum level returns 1.5 points per dollar, while the Gold tier provides the most modest rate of 1 point per dollar. Points for the premium cards never expire, whereas Platinum and Gold accumulate a 24‑month validity. Post‑introductory annual fees are R$1,068 (Black/Infinite) in 12 installments, R$708 (Platinum) and R$468 (Gold). However, each tier includes a full waiver option: Black/Infinite require R$10,000 in monthly card spending or R$200,000 in Porto Bank investments; Platinum and Gold need R$3,500 monthly spending or R$50,000 in investments.

Eligibility is straightforward: applicants must request one of the four card variants, complete the credit‑check process, and can add extra cards at no charge. Combining the spending of a primary and a secondary card counts toward the same waiver threshold, giving flexibility to meet the required amounts. The application steps are simple—visit the Porto Bank website, click “Peça o seu cartão,” fill out the personal data form, and submit the request.

Whether this deal makes sense depends largely on your spending habits. High‑volume spenders who can comfortably clear the waiver thresholds will enjoy a premium card with generous point accrual and no annual fee after the first year. The zero IOF benefit and lounge access add further value for frequent travelers. Conversely, occasional users may find the regular annual fees costly if they cannot meet the spending or investment requirements, making the card less attractive. In short, the offer is best suited for affluent customers who already use Porto Bank services or plan to concentrate a large portion of their purchases on this card.

Aviso importante: Fonte original: https://passageirodeprimeira.com/cartao-de-credito-porto-bank-1-ano-de-anuidade-gratis-e-ate-35-pontos-por-dolar-gasto/

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