How to Get the Ourocard Credit Card

In this article, we’ll walk you through everything you need to know: the types of Ourocard available, eligibility requirements, the application process, required documents, and helpful tips to increase your chances of approval.

What Is the Ourocard?

The Ourocard is a family of credit cards issued by Banco do Brasil (BB), one of the oldest and most trusted banks in Brazil.

The card comes in several versions—international, platinum, gold, and easy (fácil)—each offering different benefits tailored to your needs and financial profile.

Some of the standout features include:

• Contactless payments

• Virtual cards for online shopping

• Integration with mobile wallets

• Exclusive discounts and cashback options

• Reward points through the BB loyalty program

Why Choose the Ourocard?

Before we dive into the process, let’s briefly explore why so many customers choose Ourocard:

• No annual fee (in some versions like Ourocard Fácil)

• Wide acceptance in Brazil and abroad (via Visa or Mastercard)

• Multiple customization options

• Secure online purchases with the Ourocard-e virtual card

• Access to promotions and discounts from Banco do Brasil and partners

Thanks to these advantages, the Ourocard has become a popular choice among students, professionals, and entrepreneurs alike.

Who Can Apply for the Ourocard?

In general, you need to meet the following criteria:

• Be at least 18 years old

• Have a valid CPF number (Brazilian Taxpayer ID)

• Provide proof of income and proof of residence

• Have a Brazilian address

While it’s easier for Banco do Brasil account holders to apply, non-account holders can also apply directly through the app or website.

Types of Ourocard Available

Understanding the different types of Ourocard can help you pick the one that fits your financial lifestyle.

1. Ourocard Fácil (Easy)

• No annual fee if you spend a minimum amount per month (usually R$100)

• Ideal for first-time users or students

• Requires low minimum income

2. Ourocard Internacional

• Accepted worldwide

• Suitable for travel and online international purchases

• Moderate income requirement

3. Ourocard Gold

• Enhanced reward points

• Purchase protection and travel insurance

• Higher credit limits

4. Ourocard Platinum

• Premium travel benefits

• Concierge service

• Exclusive access to events and lounges

How to Apply for the Ourocard

Now that you know the options, let’s walk through the application process step by step.

Step 1: Download the Banco do Brasil App

If you’re not already a BB customer, start by downloading the Banco do Brasil mobile app, available on both Android and iOS.

The app is user-friendly and guides you through the application.

Alternatively, you can start the process on the Banco do Brasil website, but most applications are finalized through the app.

Step 2: Create or Access Your Account

• If you’re already a BB client, log in using your account credentials.

• If you’re not a client, you’ll be prompted to create a digital account as part of the application.

This step is essential because your card application is tied to your financial profile in the BB system.

Step 3: Choose Your Card Type

Navigate to the “Cards” section and select “Request Credit Card.”

You’ll be able to compare different types of Ourocard and choose the one that best fits your needs.

Step 4: Fill in Personal and Financial Details

The application form will ask for:

• Full name and CPF

• Date of birth

• Contact information (email and mobile)

• Proof of income (payslip, bank statement, or tax return)

• Proof of residence (utility bill, rental contract, etc.)

Make sure the documents are up-to-date and clearly legible to avoid delays.

Step 5: Submit and Wait for Approval

Once your application is submitted, Banco do Brasil will conduct a credit analysis, which may take a few business days.

If approved, you’ll receive a digital confirmation and, shortly after, your physical card will be mailed to your registered address.

What If You’re Denied?

If your application is not approved, don’t worry. Here are some common reasons for denial and what you can do:

• Low credit score: Work on building your score by paying bills on time and reducing debt.

• Insufficient income: Try applying for the Ourocard Fácil, which has lower income requirements.

• Missing or unclear documents: Double-check all uploads and try again.

You can reapply after 90 days or contact Banco do Brasil for more details.

Using Your Ourocard Wisely

Once you receive your Ourocard, here are a few best practices to help you make the most of it:

• Activate your card using the BB app or at an ATM

• Set a spending limit to stay within budget

• Use the virtual card (Ourocard-e) for online transactions

• Enroll in the BB rewards program to start earning points

• Track your spending directly from the mobile app

Additionally, keep your contact information up to date to receive timely alerts and account notifications.

FAQs: Quick Answers About Ourocard

Is it necessary to be a Banco do Brasil customer?
No. You can apply for the card even if you don’t have a BB checking account.

Is the card international?
Yes. Most Ourocard versions are internationally accepted through Visa or Mastercard networks.

How long does it take to get approved?
Approval may take up to 10 business days depending on the credit evaluation.

What if I need help with my application?
You can call the BB customer support at 4004 0001 or visit a local branch.

Final Thoughts

Getting the Ourocard is a straightforward process that can open doors to financial flexibility and exclusive benefits. Whether you’re looking for a no-fee starter card or a premium solution with travel perks, Banco do Brasil has a card that fits your profile.

By understanding the requirements and following the steps outlined above, you can apply