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With Focus On High-Income Customers, The New Metal Card From Banco Do Brasil BB Altus Liv Combines Temporary Zero IOF On International Purchases, Direct Cashback On The Invoice, Unlimited VIP Lounges At Airports, And Annuity Waiver Tied To High Spending And Investments At The Bank Of The Customers.
On November 11, 2025, Banco do Brasil officially announced the arrival of the new metal card from Banco do Brasil BB Altus Liv, aimed at a select group of account holders with substantial investments and high spending capacity. The product began to be promoted in the early days of the month, through the bank’s official channels and social media, as a top-tier option in the card portfolio.
The new metal card from Banco do Brasil aims to combine financial benefits such as temporary zero IOF on international purchases and cashback credited on the invoice with luxury services, including unlimited access to VIP lounges at airports around the world and the possibility of free additional cards, reinforcing the focus on high-income customers and strong relationship with the institution.
Who Can Have The New Metal Card From Banco Do Brasil
The BB Altus Liv was not designed for the general public.
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According to the announcement released by the bank itself, only clients with investments starting at R$ 1 million in Banco do Brasil can request the product.
In addition to this wealth requirement, the bank imposes an income and spending filter.
To gain access to the new metal card from Banco do Brasil, the account holder must present an average spending above R$ 20,000 in the last six months or a minimum monthly income of R$ 30,000.
In practice, this is a card aimed at a segment that already uses payment methods intensively, travels frequently, and seeks to consolidate spending in a single instrument with financial and travel benefits.
Temporary Zero IOF And Cashback On The Invoice
One of the central points of the offer is the benefit of temporary zero IOF on international purchases.
The bank promises more savings on trips abroad by exempting the tax for a promotional period, whose validity should be checked by the client through Banco do Brasil’s official channels.
After the deadline, transactions will return to normal taxation.
Furthermore, the new metal card from Banco do Brasil offers 1.3 percent cashback on the amount spent on purchases, credited directly on the invoice.
The client can choose to receive this cash back directly into their checking account or direct the amount toward investments, turning the benefit into an additional asset accumulation instrument within the bank.
Unlimited VIP Lounges And Additional Cards At No Extra Cost
In terms of services, the BB Altus Liv reinforces its image as a luxury product.
The new metal card from Banco do Brasil guarantees unlimited access to VIP lounges at airports for cardholders and additional cards, with no limit on visits.
The benefit is aimed at those who face intense travel routines and frequently use airports, whether for work or leisure travel.
Another relevant point is the additional card policy.
Banco do Brasil allows clients to have up to seven additional cards at no extra charge, making it easier to distribute the limit among family members or close associates.
This structure enhances the product’s use, concentrating spending in a single relationship, which also favors cashback accumulation and centralized expense monitoring.
Annuity Waiver Tied To Spending And Investments
The annuity is another sensitive factor for the high-income audience. In the case of the new metal card from Banco do Brasil, the institution announces waiver of the annuity under two specific situations.
The first occurs when the client maintains monthly spending above R$ 25,000 on the card, a condition that, in theory, aligns with the spending pattern of the target audience.
The second alternative is the waiver for those with investments above R$ 2 million in Banco do Brasil.
In this configuration, the card functions as an extension of the high-income relationship, where the bank compensates the concentration of resources with a package of benefits, reducing direct costs of the payment method.
In both cases, the policy reinforces the logic that the product is a counterbalance to the loyalty of significant financial volumes within the institution.
Metal, Luxury Image And Segmentation Strategy
From a positioning perspective, the BB Altus Liv is presented as a metal card, with an elegant appearance and a declared focus on comfort and practicality.
The physical finish reinforces the perception of exclusivity and underscores the product’s place at the top of the bank’s card hierarchy, in line with the strategy adopted by other institutions competing for higher-income clients.
By integrating temporary zero IOF on international purchases, cashback on the invoice, unlimited VIP lounges, and annuity waivers tied to spending and investments, the new metal card from Banco do Brasil serves as a retention tool for ultra-high-value clients, while differentiating the institution’s portfolio in an increasingly competitive premium card market.
Given these wealth and spending requirements to have the new metal card from Banco do Brasil, do you believe the benefits of temporary zero IOF, cashback, and unlimited VIP lounges justify concentrating investments in a single bank?
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