Banco do Brasil’s Ourocard credit cards can be requested and managed directly from your smartphone.
The bank offers a dedicated Ourocard app (focused on card features) and the broader BB app (full banking, including card management).
Both are available for Android and iOS and connect to the bank’s customer service channels if you need help during the process.
Step-by-Step: How to Apply on Your Phone
To apply via phone, you’ll need: a compatible device, mobile internet access, personal identification, and your Banco do Brasil (BB) login.
In many cases, you’ll be asked to confirm or create digital credentials and allow the app to verify your identity.
Ourocard (credit card app): It delivers a personalized card experience and centralized control of your Banco do Brasil’s Ourocard.
Banco do Brasil (full banking app): If you prefer one app for everything, the BB app also lets you manage and request cards under your customer profile.
Set up secure access
Open the app, accept the initial prompts, and follow the first-access flow.
Log in, pair your device (if requested), and enable authentication (such as biometrics). The app will confirm your credentials and device association.
Choose your Banco do Brasil’s Ourocard
Inside the app, navigate to Cartões/Cards and review Ourocard options that match your profile (Visa, Elo, co-branded variants, and different benefit tiers).
Banco do Brasil maintains an official catalog that outlines attributes such as annual-fee policies, benefits, and eligibility.
Use these references as you compare choices in-app.
Submit your application
Confirm personal data, income information, and consent to terms. The app submits your proposal for analysis.
Decisions, preliminary limits, and any requests for documents arrive via app notifications, SMS, or the phone channels listed below.
Interest Rates of Banco do Brasil’ Ourocards
Rotativo e Saque (função crédito)
- De 3,90% a 13,76% ao mês
- Equivalente anual: 58,27% a 369,76% a.a.
- Exemplo de CET mensal (hipotético R$ 1.000/30 dias): 4,59% a 14,60% a.m.
Parcelamento da fatura (pagamento parcelado da fatura)
- Até 14 parcelas: 3,76% | 6,28% | 10,19% a.m. (varia por cartão/tier)
- Equivalente anual: 55,73% | 107,69% | 220,41% a.a.
- CET mensal (exemplos): 4,07% | 6,59% | 10,49% a.m.
Parcelamento de compras à vista (converter uma compra em parcelas)
- Altus/Infinite/Black/Nanquim: 2,44% a.m. (até 12x) – 33,55% a.a.; CET 2,75% a.m.
- Platinum/Grafite: 2,74% a.m. (até 12x) – 38,32% a.a.; CET 3,05% a.m.
- Gold/Mais: 3,34% a.m. (até 12x) – 48,33% a.a.; CET 3,65% a.m.
- Classic/Co-branded/Parcerias: 3,94% a.m. (até 12x) – 59,00% a.a.; CET 4,25% a.m.
Crediário no cartão (parcelado administradora)
- Faixa típica (2 a 48 parcelas): 3,43% | 3,64% | 4,64% | 4,84% | 5,44% a.m.
- Equivalente anual: 49,89% a 88,83% a.a.
- CET mensal (exemplos): 3,74% a 5,75% a.m.; CET anual (exemplos): 55,36% a 95,54% a.a.
Pagamento de contas no cartão (água/luz/telefone etc.)
- À vista (parcela única): 3,43% | 4,24% | 4,44% | 5,44% a.m.
- De 2 a 24 parcelas: 3,45% | 4,24% | 4,74% | 5,54% a.m.
- Exemplos de CET mensal: 4,01% a 7,03% a.m.; CET anual (exemplos): 60,32% a 126,09% a.a.
Pix no cartão de crédito
- À vista (parcela única): 3,43% | 4,24% | 4,44% | 5,44% a.m.
- Notas de CET (exemplos, parcela única): 5,01% a 6,04% a.m.; CET anual (exemplos): 79,74% a 102,08% a.a.
Customer Service and Official Contacts
If you need assistance while applying on your phone, Banco do Brasil offers multiple channels:
- Customer Service Center (Central de Relacionamento BB)
- Capitals/metro areas (Brazil): 4004-0001
- Other locations in Brazil: 0800-729-0001
- SAC (general customer service): 0800-729-0722
- Ouvidoria (ombudsman): 0800-729-5678
- Head office (Brazil): Banco do Brasil S.A. SAUN Quadra 5 Lote B, Asa Norte, Brasília-DF, CEP 70040-911
If you are outside Brazil, Banco do Brasil maintains regional service pages (for example, New York and London) with local guidance.
Consult those pages if you need cross-border assistance related to your card or application.
Tips to Strengthen Your Application
Ensure your BB profile (address, phone, income) is current before you apply. This reduces back-and-forth and can speed analysis.
Use the Ourocard catalog to check features, annual-fee rules, and benefits (e.g., points programs, travel perks, insurance).
Given high industry averages for revolving interest, aim to avoid carrying balances. If needed, compare in-app installment options and check their APR and total cost.
Enable biometrics, transaction alerts, and card-control tools (like temporary locks) to protect your account and monitor purchases.
Frequently Asked Questions (Quick Facts)
Can I apply if I’m not yet a Banco do Brasil customer?
Availability and onboarding steps can differ by product and region. The app will run eligibility checks and guide you through opening the relationship if required.
Where do I find the exact interest and fee schedule for my card?
In the BB website/app under “Contratos e Tabelas – Cartões” for your specific Ourocard. Those documents are the authoritative source for pricing and conditions.
Which app should I use—Ourocard or BB?
Both work. The Ourocard app focuses on card features and personalization; the BB app centralizes broader banking plus card functions. Many customers install both.
Conclusion
Applying for the Banco do Brasil Ourocard by phone is straightforward: download the app, set up secure access, choose your card, and submit the proposal.
Review the official rate tables and contracts so you understand fees, APRs, and benefits before using your card.
Keep the Brasília head-office address on hand for formal correspondence.
Disclaimer: This article is informational and does not constitute financial advice. Rates, fees, eligibility, and features can change and may vary by card type and customer profile. Always review Banco do Brasil’s official contracts and tables and the current information in the Ourocard/BB apps before applying or using credit.
