C6 Bank provides several credit cards designed for flexibility and convenience. You can apply for the C6 Bank credit card online and start earning reward points easily.
Each card offers specific benefits for different spending levels. Understanding how the system works helps you make smarter financial choices.
Understanding C6 Bank Credit Cards
It provides several Mastercard options for different spending needs and income levels. These cards offer unique benefits, from zero annual fees to high-value reward points and international access.
Each version also supports full management through the C6 app, giving you complete control. Below are the main credit card types available to users in Brazil.
C6 Card and C6 Platinum
This card is the entry-level option with no annual fee and lifetime non-expiring points. It includes Mastercard benefits and digital wallet compatibility for Apple Pay, Google Wallet, and Samsung Wallet.
The C6 Platinum offers enhanced Mastercard Platinum features, travel insurance, and purchase protection. Both cards are ideal for users who want simplicity without maintenance fees.
C6 Black and C6 Carbon
The C6 Black and C6 Carbon are premium cards that reward you for frequent spending and travel. The C6 Black earns up to 2.5 points per US$1, while the C6 Carbon can reach 3.5 points with C6 investments.
These cards grant access to airport lounges, exclusive cashback options, and worldwide acceptance. They’re best suited for customers seeking luxury perks and travel rewards.
C6 Graphene and C6 Business
For elite clients, C6 Graphene provides 4 points per US$1 and unlimited VIP lounge access. It’s exclusive to investors with over R$5 million in assets.
The C6 Business card simplifies expense management for companies with no annual fee. It integrates business spending, payments, and points in one account.
The Application Process
You can request any C6 credit card entirely online, directly through the Bank mobile app. The process is quick, paperless, and designed to give you instant updates on your approval status. Follow these steps to apply easily and securely.
- Download the C6 Bank app from Google Play or the App Store.
- Create an account by entering your CPF, income, and personal information.
- Verify your identity by uploading valid documents and a selfie.
- Select your preferred card type from the options listed in the app.
- Review benefits, credit limit, and terms before confirming your choice.
- Submit your request for credit analysis and await approval.
- Customize your card color and engraving once your application is approved.
Earning Points With C6 Bank
All credit cards include the Átomos Points Program, which allows you to earn and redeem points through purchases. Points never expire and can be used for cashback, bills, or partner loyalty transfers.
The higher your card tier, the faster you accumulate rewards. Below is how each card performs in the program.
Point Accumulation by Card Type
Each card has its own point rate, depending on your spending and exchange rate.
- C6 Card: 0.05 point per R$1 spent.
- C6 Platinum: Up to 0.45 point per R$1.
- C6 Black: 2.5 points per US$1.
- C6 Carbon: 3.5 points per US$1 (for clients investing at least R$1 million).
- C6 Graphene: 4 points per US$1.
You can redeem these points for travel, cashback up to 1.7%, or pay expenses directly through the app.
How to Redeem Points?
Redemption is flexible and straightforward. You can exchange points for cashback, book airline tickets, buy products, or transfer them to airline and partner programs.
All options are available within the C6 app under the rewards menu. Cashback redemptions are credited directly to your account.
Key Benefits of C6 Bank Credit Cards
Every C6 card integrates modern payment technology and valuable perks for users. These features enhance convenience and security while giving you more control over how you use your card. Below are the main advantages that apply to most C6 cards.
Digital Payment and Global Use
These cards support Tap & Pay for contactless transactions. They work with Apple Pay, Google Wallet, and Samsung Wallet for quick payments anywhere.
You can also make international purchases in credit or debit mode. Transactions are processed securely through Mastercard’s global network.
Additional Cards and C6 Tag
You can request up to 10 additional cards for family members at no extra cost on certain plans. C6 Tag is a toll and parking service that can be free depending on your card level. This makes daily commuting faster and easier for users across Brazil.
Cashback and Customer Support
The cashback rate can reach 1.7%, depending on your spending level. Customers have access to 24/7 support through WhatsApp, the app chat, or phone hotlines. Assistance is available for transactions, disputes, and card management anytime.
Fees, Rates, and Requirements
C6 Bank’s fee structure depends on the card category and user profile. Some cards have no annual fees, while others may require spending or investment levels to qualify for waivers. All rates are subject to periodic review by the bank.
Annual Fees and Interest Rates
The C6 and C6 Platinum cards are free of annual fees, while Carbon and Black may charge depending on usage. Average credit interest rates are around 10.7% per month, with revolving interest reaching up to 15%.
Late payments incur a 2% fine plus daily interest. Customers are encouraged to pay balances in full each month.
Eligibility Requirements
To qualify, you must be at least 18 years old with a valid CPF and proof of income. A credit analysis determines approval and credit limits.
Premium cards may require higher income or investment thresholds. C6 Bank reserves the right to approve based on your financial profile.
How to Maximize Your Points?
Maximizing rewards requires smart card use and consistent spending patterns. You can increase your earning rate and benefits with strategic use of your card. Here are practical methods to grow your points balance faster.
Effective Ways to Earn More
Use your card for international purchases to take advantage of higher point rates. Always pay your bill on time to avoid losing rewards or paying interest.
Link your card to partner programs to gain access to transfer bonuses. Consider investing through C6 Invest to unlock higher earning tiers, such as the 3.5-point Carbon benefit. Regularly check your rewards in the app to plan your redemptions efficiently.
Customer Service and Support Details
It ensures reliable customer service for all users. You can get help anytime, whether for technical issues, card blocking, or balance questions. Support is available in multiple channels across Brazil.
- In-App Chat: Available 24/7 through the C6 Bank app.
- WhatsApp: (11) 2832-6088.
- Capitals & Metropolitan Areas: 3003-6116.
- Other Locations: 0800-660-6116.
- Customer Service (All Regions): 0800-660-0060.
- Ombudsman (Mon–Fri, 9 a.m.–6 p.m.): 0800-660-6060.
The support system operates continuously to ensure your banking experience stays smooth and secure.
Final Thoughts: Your C6 Bank Card Journey
Applying for a C6 Bank credit card gives you flexibility, benefits, and points that never expire. The bank’s range of options ensures that there’s a perfect card for every lifestyle.
By using the C6 app, you can manage spending, earn points, and redeem rewards easily. Choose the card that matches your goals and start turning your purchases into real value.
Disclaimer: Terms, conditions, and rates can change without notice. Always confirm the latest details with C6 Bank before applying or using the card.
