The Ourocard Universitário Internacional credit card from Banco do Brasil stands out for its accessibility and student-friendly features. With no annual fee, students can benefit from a pre-approved limit of up to R$1,500 without needing to submit income proof. The card is designed specifically for those attending higher education, making financial management easier and more straightforward. Application is fully digital, and you don’t need to be an existing customer to qualify. All you need is to be at least 16 years old and currently enrolled at a tertiary institution.

How to Apply for the Ourocard Universitário Internacional

• Download and open the Banco do Brasil app
• Go to the credit card section and select your desired card
• Verify your phone with a code sent via WhatsApp or SMS
• Enter your personal information and upload requested documents
• Take a selfie for identity confirmation
• Register your password and choose if you want a virtual or physical card

The app guides applicants through the entire process, ensuring a smooth and user-friendly experience. Receiving a decision is typically quick, and once approved, you can use the digital card right away.

Biggest Pros of Ourocard Universitário Internacional

A major benefit is the absence of any annual fee, which is especially valuable for students on a budget. The card also features contactless technology and can be used worldwide, providing flexibility and convenience. Custom personalisation and integration with major digital wallets further enhance usability.
Another strong advantage is the lack of a requirement to prove income or to have an existing relationship with Banco do Brasil. This makes the card highly accessible to most university students.

Cons to Consider Before Applying

The main limitation is the maximum limit of up to R$1,500, which may not suit students with higher financial needs. Additionally, some applicants under 18 must visit a physical branch with a legal guardian, which may be less convenient compared to a fully digital process for over-18s.
Also, the card is strictly for university students, so losing that status could affect eligibility or terms in the future.

Our Verdict

Banco do Brasil’s Ourocard Universitário Internacional offers students a modern, no-fuss credit card experience without burdensome eligibility criteria. It’s especially appealing for those needing financial flexibility, digital convenience, and international acceptance. While the credit limit might not be sufficient for some, the card is an excellent entry point for responsible credit use among students.