Resumo rapido

• The Essential Mastercard Black upgrades automatically as you grow your Itaú relationship, delivering more points and VIP lounge access.
• No annual fee if you reach Level 2 (4 steps) – many clients qualify automatically via salary deposit or R$150 k in investments.
• Points rise to 2.6/3.5 per real/dollar above R$4 000 monthly spend; they never expire.
• Free unlimited access to the Mastercard Black lounge at Guarulhos and up to 6‑8 worldwide lounge visits per year.
• Includes Fasano hotel rates, US$175 k travel insurance, 24‑hour concierge and standard Mastercard Black protections.

Introdução

If you already hold an Itaú Personnalité Black card, you might be missing a silent upgrade that costs nothing. The bank’s new “The Essential” Mastercard Black lets the same plastic earn more miles and unlock extra airport lounges as you climb the Minhas Vantagens ladder. Unlike the traditional Black, which offers a fixed benefit package, The Essential scales with your banking volume, potentially turning a zero‑fee card into a premium travel tool without swapping your wallet.

Detalhes da oferta

The Essential is a Mastercard Black that starts at the same price as the regular Personnalité Black but adds a dynamic reward structure. When you are at Level 2 or higher (four steps in Minhas Vantagens), the annual fee is waived. Points jump to 2.6 points per real spent domestically and 3.5 points per dollar abroad, provided you spend at least R$4 000 each month. Below that threshold the card matches the classic Black’s 2/3 points. The boosted earning applies only until December 2026 for new applicants, after which the higher rates are still available but without the temporary promotional window. Lounge access includes unlimited entry to the Mastercard Black lounge in Terminal 3, São Paulo (GRU) and up to six to eight free visits per year at partner lounges worldwide. The card also bundles Fasano hotel discounts, a US$175 000 travel insurance, 24‑hour concierge, purchase protection, extended warranty, car‑rental coverage, and everyday perks like contactless payment and digital wallets.

Regras e requisitos

Both cards are exclusive to Itaú Personnalité clients who meet the segment’s income or investment criteria (R$15 000 monthly income or R$250 000 in investments). The Essential can be obtained with a current limit of R$10 000 or more. To avoid the fee you must reach Level 2, which requires four “steps” earned through activities such as salary deposit, investment balance, or card spend. If you drop to Level 1 the annual charge resumes. Activation of Minhas Vantagens is mandatory; without it the fee is applied even if you meet the level criteria. The enhanced point‑earning rate only activates once monthly spend exceeds R$4 000, otherwise the card defaults to the standard 2/3 points.

Como aproveitar

First, open the Itaú Personnalité app, tap your profile picture and check your current level in Minhas Vantagens. If you are not yet activated, enable the program immediately. Aim for Level 2 by either depositing your paycheck with Itaú, keeping at least R$150 000 invested, or maintaining a card limit around R$10 000. Once you are at Level 2, request the Essential card through the app or your relationship manager. Monitor your monthly spend; keep it above R$4 000 to unlock the higher point tier. Remember to verify lounge eligibility before each trip, as some lounges now require minimum spending on other cards – confirm the rules for your specific plastic. Finally, take advantage of the Fasano discounts by booking hotels through the card’s portal and using the concierge for travel arrangements.

Vale a pena?

The Essential is attractive for anyone already meeting the Level 2 criteria, because it delivers a clear upgrade: more points, extra lounge visits, and premium hotel benefits without any extra cost. The only real downside is the need to stay above the R$4 000 monthly spend to reap the boosted earning rate; below that the card is identical to the classic Black. For high‑spend clients the extra 0.6/0.5 points per unit can add up quickly, especially when points are converted to milhas or statement credit. The lounge allowance, while limited to six‑eight visits per year, is still valuable for occasional international connectors. In short, if you can maintain the required level and spend, The Essential offers a tangible upgrade at no price, making it a solid choice over the standard Personnalité Black.

Aviso importante

Fonte original: https://altarendablog.com.br/2026/10/12/the-essential-x-personnalite-black-comparativo-de-anuidade-pontos-e-salas-vip-do-itau/

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