Applying for the Carrefour credit card in Brazil can deliver real savings if you use the product as designed.
Below you’ll find how to apply online or in-store, and practical ways to save when shopping.
What the Card Is and Where It Works
The Carrefour credit card is issued by Banco CSF S.A., the financial arm of Grupo Carrefour Brasil.
Although promoted to Carrefour shoppers, the card operates on the Visa or Mastercard network and can be used at merchants across Brazil and abroad.
Core benefits include exclusive prices for cardholders in Carrefour stores and on the website, special installment plans on selected items.
Also, the possibility of waiving the monthly annuity installment by making at least one purchase per month at any Carrefour banner.
Rates, Fees, and Annuity
Carrefour publishes a consolidated tariff table for the card.
- Annuity (Gold Visa/Mastercard): R$ 203.88 (12× R$ 16.99).
- Private Label (Carrefour-only): R$ 125.88 (12× R$ 10.49).
- Revolving interest (juros do rotativo): 4.99%–18.99% per month (approx. 79.38%–705.61% per year), depending on your plan and profile.
- Invoice installment (parcelamento de fatura): roughly 1.99%–15.99% per month (about 26.68%–492.99% per year), subject to availability and your profile at the time of contracting.
- Cash advances (saques): fee around R$ 17.90 for domestic cash advance à vista; around R$ 15.90 for domestic cash advance in installments; and around R$ 17.90 for international cash advance.
- Late charges: 2% penalty on the overdue amount plus 1% per month interest on arrears.
- Currency conversion on international purchases: conversion typically uses the Central Bank’s PTAX “venda” rate on the purchase day.
How to Actually Save with the Carrefour Credit Card
Make the most of your Carrefour Credit Card.
Make one purchase per month
If your product participates in “Usou, Zerou,” even a small monthly purchase at a Carrefour banner can waive that month’s annuity installment.
Watch for exclusive prices and installment plans
Carrefour often offers cardholder-only prices and special installment options on selected items.
Compare the total cost, including any financing charges, before committing.
Avoid the revolving balance
Published rates for revolving and installment balances are high by design.
If you cannot pay in full, consider a formal invoice-installment plan with a lower rate and a clear term rather than carrying revolving debt.
Always request the CET and confirm all conditions.
Use the app “best day to buy”
The app shows your billing cycle and “best day,” which helps you maximize the interest-free period between purchase and payment.
Leverage broad acceptance
Because the card runs on Visa/Mastercard, you can pay at any merchant that accepts these brands in Brazil and abroad.
For trips and cross-border purchases, account for IOF and currency conversion before choosing this payment method.
Official Customer Service, Phones, and Hours
Relationship Center (Mon–Sat, 08:00–21:00, Brasília time):
3004 2222 (capitals and metro areas) | 0800 718 2222 (other regions).
SAC – 24/7 (information and complaints):
0800 722 0363; service for customers with hearing/speech impairment: 0800 704 0236.
Ombudsman (Mon–Fri, 08:30–17:30, except holidays):
0800 722 0422.
Issuer: Banco CSF S.A. (Banco Carrefour) – CNPJ 08.357.240/0001-50.
Head office (São Paulo): Av. Doutora Ruth Cardoso, 4.777 – 2º andar – Edifício Villa-Lobos – Jardim Universidade Pinheiros – São Paulo – SP – CEP 05477-903.
Tip: For formal correspondence or notices, always confirm the current address on the institutional site or recent documents, as large companies may maintain multiple administrative locations.
Step-by-Step: Applying and Your First 30 Days
Carrefour offers multiple variants (Visa/Mastercard, including Gold).
Minimum income requirements and annuity rules may vary and are updated from time to time, so confirm current criteria during the application flow.
- Choose: Go to the official website, and provide CPF, phone, and email. Select your network (Visa or Mastercard) and check for promotions like “Usou, Zerou.”
- Gather documents: photo ID, proof of residence, and proof of income (pay stub, bank statement, or declaration, as required by the flow).
- Submit your proposal and await credit analysis: in stores, issuance can be immediate; otherwise, the physical card is mailed to your address.
- Activate in the app and set your due date: unlock the card in the app, review your billing cycle, and identify the “best day to buy.”
- Plan one monthly purchase in the Carrefour network: if your product is eligible, a single in-network purchase can waive that month’s annuity installment.
- Avoid interest and penalties: pay the invoice in full by the due date to avoid revolving interest and late fees. If needed, evaluate invoice-installment options and compare the CET before contracting.
If you prefer in-person service, stores have relationship desks and a toll-free in-store phone connected to the customer center.
Bring your ID, proof of address, and proof of income; a credit analysis will be performed.
Common Questions
Can I use the card outside Carrefour? Yes. The card works at any merchant that accepts your brand (Visa/Mastercard), in Brazil and abroad.
Is the annuity always free? No. Standard annuities apply to some variants, but eligible products may have the monthly annuity installment waived with at least one purchase in a Carrefour banner per month. Confirm the rules when you contract the card.
Where can I see current rates? In the issuer’s tariff table and during contracting. The CET is provided based on the product, term, and your credit profile.
Conclusion
The Carrefour credit card can be cost-effective if you align your usage with the issuer’s rules.
You can apply via the website, the app, or in a store, with standard documents and a credit check.
Keep the bank’s phone numbers and address for after-sales support and use the app to control your billing cycle and avoid interest.
Disclaimer: This article summarizes information publicly provided by the issuer and its tariff table as of October 2, 2025. Rates, annuity policies, eligibility criteria, phone numbers, addresses, and campaign rules (such as annuity waivers) may change at any time. Before contracting, always review the current Contract, Tariff/Rate Table, and confirm your CET and product eligibility through the official customer service channels.
