The Ourocard Universitário Internacional credit card aims exclusively at university students, offering excellent flexibility and accessibility. Noteworthy is that the card does not require proof of income to apply. Students aged 16 and older and enrolled in higher education qualify, subject to age-specific application routes. If you are over 18, you can complete the application process online using the Banco do Brasil mobile app. For those aged 16 or 17, a parent or legal guardian will need to accompany you to a branch. The credit card offers a pre-approved limit of up to R$1,500. Even more attractive is the promise of zero annual fee, which means one less financial concern for students managing tight budgets.

How To Apply: Step-by-Step

• Open the Banco do Brasil app
• Select “Cartão de crédito”
• Validate your device and phone
• Provide personal info and upload required documents
• Choose digital or physical card variant

Key Pros of Orocard Universitário Internacional

One big advantage is its zero annual fee, which is rare for a student card. You also benefit from an international brand (Visa) – meaning your spending isn’t limited to South Africa and Brazil.

Another pro is the technological convenience: tap-and-go payments with NFC, the ability to use digital wallets, and a digital card that activates before the physical card arrives.

Cons To Consider

The maximum limit of R$1,500 may be low for students with higher spending needs. Your eligibility is tied to student status—after graduation, terms can change.

Another point is age restrictions: under-18s must visit a branch, which removes digital convenience for younger applicants.

Our Verdict: Is It Worth It?

For students seeking simplicity, practicality and low cost, the Ourocard Universitário Internacional is a super choice. The no-fee structure, absence of income proof and worldwide acceptance make it stand out.

However, if you need a higher credit limit or are about to graduate, consider these factors before applying. On the whole, for the target group, this card is an excellent financial tool.