This practical guide explains how to choose and apply for a Bradesco credit card and how the initial limit is defined.
It’s written to help you apply confidently and manage costs from day one.
Understand Bradesco’s Credit-Card Lineup
Bradesco issues cards on Visa, Mastercard, Elo, and American Express, spanning entry to premium tiers (Gold, Platinum, Black/Infinite, etc.).
American Express Platinum® (metal)
Priority Pass, Bradesco Lounges, and partner networks abroad (incl. Centurion/Delta Sky Club where eligible).
Fine Hotels & Resorts® benefits at participating luxury hotels. Concierge Bradesco (7 days/week) for trips and experiences.
Membership Rewards® points that never expire; enhanced earning on eligible spend (program terms apply).
American Express® Gold
Membership Rewards® (points that don’t expire) and Lifestyle concierge 24/7; travel partner discounts.
American Express® Green
Sem limite preestabelecido de compras (limite flexível conforme perfil) and access to MR® per product terms.
Visa Platinum
Travel & purchase protections (per Visa Platinum suite), concierge, and benefits for travel, shopping, and services.
Visa Signature
Expanded travel benefits vs. Platinum, with premium assistance and experiences (per Visa Signature suite).
Visa Infinite
Top-tier Visa benefits—enhanced travel protections, concierge, premium experiences; may pair with Bradesco Prime fee waivers depending on spend.
Co-branded: GOL Smiles (Visa)
Mileage accrual and travel advantages such as milhas bônus and prioridade de embarque (per tier and campaign).
Mastercard Gold
Everyday protections like extended warranty and purchase protection (Gold benefits suite).
Mastercard Platinum
Travel assistance & experiences elevated over Gold; access to Mastercard Surpreenda offers ecosystem.
Mastercard Black
Premium travel benefits, including airport experiences and higher-end assistance typical of the Black tier.
Elo Grafite
Cultural & shopping offers (pré-venda de shows, descontos, parcelamentos especiais) via Elo’s benefits hub; travel protections vary by issuer/tier.
Elo Nanquim
Upper-tier Elo benefits with expanded travel features and exclusive experiences/contests in Elo’s platform.
Some Bradesco Prime packages may offer fee waivers for Nanquim with qualifying spend.
Elo Diners Club (quando disponível via Bradesco Prime)
Positioned with premium travel perks within Prime’s portfolio; fee-waiver rules may apply with higher average spend.
Opening an Account vs. Requesting a Card
You may open a current account via the app (document capture, data entry, and password creation).
While a current account can simplify servicing, Bradesco also accepts credit-card requests without an existing account, depending on the product.
In all cases, approval is subject to credit analysis according to the bank’s internal criteria.
How The Initial Limit is Defined—And How to Grow It
The bank sets your starting limit after running a credit analysis that considers income, payment history, indebtedness, and overall profile.
Over time, and with consistent responsible use, the app may show pre-approved limit increase offers.
If a purchase exceeds your available limit, the app may present an emergency evaluation option (subject to eligibility).
When you pay your invoice, your available limit is reconstituted after payment confirmation.
Step-by-Step: Applying For a Bradesco Credit Card
Exact requirements vary by card.
Always follow the document list provided for the specific card you choose, as some premium products may require additional information.
- Compare products. Review networks (Visa/Mastercard/Elo/Amex), benefits (e.g., points, cash back, travel perks), annual-fee policies, and compatible digital wallets.
- Start the request online and complete the form.
- Submit documents. Be ready with CPF, RG/CNH, and updated personal/financial data. Upload any additional documents the system requests (e.g., proof of income or residence).
- Await credit analysis. Your approval and initial limit depend on the bank’s internal criteria for the chosen product and your profile.
- Activate and add to a wallet. Once approved, enable the virtual card in the app and add it to Apple Pay, Google Pay, or Samsung Pay so you can start using it before the physical plastic arrives.
Interest-rate Ranges and Fees to Know
Bradesco publishes monthly interest-rate ranges that vary by Bradesco Credit Card family and operation.
- Revolving balance (rotativo): up to 14.99% a.m.
- Invoice installment (parcelamento de fatura): up to 12.50% a.m.
- “Parcelamento Fácil” (incl. in arrears): up to 9.90%–12.50% a.m., depending on the tier.
- Issuer/post-purchase installment/crediário: often 1.99%–6.99% a.m. in premium tiers, and up to 6.99% a.m. in standard segments.
- Cash advance (saque) and transfers: around 15.99%–16.99% a.m., typically with a fixed withdrawal fee (for example, R$15 per cash withdrawal).
Customer Service
Phones (Bradesco – general customer service lines):
- Fone Fácil – capitals and metro areas: 4002-0022
- Fone Fácil – other regions (Brazil): 0800-570-0022
- From abroad: +55 11 4002-0022
- SAC (Alô Bradesco, 24/7): 0800-704-8383
- Ouvidoria (Ombudsman): 0800-727-9933
Head office address: Banco Bradesco S.A. CNPJ: 60.746.948/0001-12 Cidade de Deus, s/nº, Vila Yara, Osasco – SP, CEP 06029-900
Keep these numbers for product questions, digital-wallet activation issues, billing clarifications, or to escalate a case to the Ouvidoria.
Frequently Asked Questions About The Initial Limit
Is there a guaranteed minimum limit? No. Limits are set on a case-by-case basis after credit analysis and can vary by product tier and customer profile.
Can I speed up a limit increase? Use your card regularly, keep your utilization reasonable, and pay on time.
When does my limit refresh after payment? Your limit is restored after the bank confirms invoice payment; timing varies with the payment channel.
Conclusion
Apply for a Bradesco credit card by submitting your documents, and let the credit analysis define your initial limit.
Use the Bradesco Cartões app to activate your virtual card, add it to a digital wallet, and monitor your costs.
Before using the revolving line or installments, review the monthly rate ranges shown by the bank and confirm the CET so you stay in control from day one.
Disclaimer: This guide is for informational purposes only and does not constitute financial advice, a credit offer, or a guarantee of approval or of any initial limit. Interest rates, fees, terms, eligibility, and credit-analysis criteria are subject to change and vary by product and customer profile. Always verify the latest information in the Bradesco Cartões app or directly with Bradesco before applying or using any credit operation.
