Nubank Card Application – Learn How to Get the Best Benefits

We will walk you through the Nubank card application, explain the differences between card types, and outline the main fees and interest rates.

Nubank has become one of the most popular digital banks in Latin America, offering a simple, transparent, and efficient credit card service. 

Its flagship purple card—available in multiple versions—combines technology, practicality, and real benefits for its users. 

Nubank Card Application

Download the official Nubank app from the App Store or Google Play. Enter your full name, CPF (Brazilian tax ID), email, and phone number.

Wait for a confirmation email about your application status. Once approved, complete your registration inside the app with your details.

Submit a photo of your ID document and a selfie holding it. Optionally, upload proof of income to improve your initial credit limit.

Once the documents are verified, your virtual card is issued immediately, and the physical card is shipped to your address.

Build Your Limit

If you're approved with a low or zero limit, Nubank offers a feature called "Build Your Limit," allowing you to assign your funds as a temporary credit limit. 

This helps users with limited credit history build trust over time.

Versions of the Nubank Card

The Nubank card application offers three main versions of its credit card, each tailored to different user needs.

Nubank Gold (Purple Card)

No annual fee.

International usage enabled; includes Mastercard Gold benefits like extended warranty and purchase protection.

Ideal for everyday use and budget-conscious consumers.

Nubank Platinum

Also has no annual fee.

Includes all Gold features and adds enhanced travel support, such as travel assistance and concierge.

Targeted at frequent travelers.

Nubank Ultravioleta (Mastercard Black)

Monthly fee of R$49.00. Comes with a customizable metal card and additional digital features.

1% cashback on all purchases, which grows over time at up to 200% of the CDI (Brazilian interbank rate).

Access to exclusive Mastercard Black airport lounges, travel insurance, purchase protection, and premium services.

Benefits of the Nubank Card

Each Nubank card version comes with a set of features tailored to improve financial management and user experience.

Key benefits include:

• No annual fees (Gold/Platinum versions)
• International purchases with dynamic currency conversion.
• Full control via the app: set limits, block the card, and view transactions in real time.
• Virtual card for safer online shopping.
• Installment payments and the ability to anticipate them with discounts.
• Pix and bank transfers using credit with installment options.
• Customizable payment due dates and alerts to avoid late fees.

The Ultravioleta card adds premium experiences.

Includes travel perks, higher cashback accumulation, and the option to share your benefits with family through free additional cards.

Fees and Interest Rates

Though Nubank offers many benefits, it’s important to understand the associated fees and interest rates to use the card responsibly.

• Annual fee: Gold and Platinum – free; Ultravioleta – R$49/month;
• Rotating credit interest: from 2.75% to 19.99% per month;
• Installment interest: from 0.99% to 19.75% per month;
• Late payment penalty: 2% on the overdue invoice amount;
• National cash withdrawal: R$6.50 per transaction;
• Foreign purchases: dollar rate + 4% spread + 3.38% IOF (financial operations tax);
• International withdrawals: interest rates up to 9.75% per month;
• Maximum total effective cost (CET): up to 289.42% per year.

Using features like "Build Your Limit" or anticipating installment payments can help avoid high-interest rates. 

It's highly recommended to pay the full invoice on time to avoid these additional costs.

Customer Support – Contact Information

Even though Nubank is a digital-first bank, it provides accessible and effective customer service options.

• Phone (urban regions): 4020‑0185
• Phone (other areas): 0800‑591‑2117
• Email: [email protected]

In-app support chat for fast assistance.

"I got robbed" emergency feature inside the app for urgent help.

Headquarters

Rua Capote Valente, 39São Paulo, SP – ZIP Code 05409‑000Brazil

Tips to Maximize Nubank Card Benefits

Everyday users might prefer the Gold or Platinum version, while frequent travelers or high spenders might benefit more from Ultravioleta.

Enable automatic payments in the app to avoid missed deadlines and anticipate installment payments when possible to receive discounts.

Take advantage of cashback if you have Ultravioleta and reinvest it for passive income. Avoid cash withdrawals unless necessary, due to high fees.

Link your card to Apple Pay, Google Pay, or Samsung Pay for more secure and faster transactions.

How Nubank Compares to Other Digital Credit Cards

To help you decide whether Nubank is the right choice for you, here's a side-by-side comparison with other major digital players in Brazil. 

We’ve considered factors such as annual fees, cashback, app usability, credit approval, and additional features.

Conclusion

The Nubank card application offers one of the most attractive digital banking experiences in Brazil.

Its digital-first approach, transparent fee structure, and user-friendly app give you full control of your finances. 

Just be mindful of interest charges on overdue balances and use the features responsibly to truly enjoy the best benefits.

Disclaimer: This article is for informational purposes only and is not a financial recommendation. All fees, benefits, and terms mentioned refer to the conditions available as of July 14, 2025, and may change without notice. Readers should consult Nubank’s official materials and terms of use before making financial decisions or applying for any product.