BRB Dux Visa Infinite: Is it Worth Investing in the Card with 7 Points per Dollar?

O BRB Dux Visa Infinite It's more than a credit card; it's a financial tool designed for those seeking exclusivity.

As well as premium benefits and a points program that stands out in the Brazilian market.

With the promise of accumulating up to 7 points per dollar on international purchases and a wide range of benefits, such as unlimited access to VIP lounges at airports, it positions itself as a high-end option for high-income customers.

But is investing in this card really worth it?

Continue reading and find out everything about it:

BRB Dux Visa Infinite

With a sophisticated design in encapsulated metal, inspired by the works of artist Athos Bulcão, the card reflects status and exclusivity.

Additionally, its partnership with Visa Infinite guarantees benefits ranging from travel insurance to 24-hour concierge services.

However, exclusivity comes with a price: a high annual fee and strict approval requirements.

Thus, to assess whether the BRB Dux Visa Infinite It is worth the investment, it is essential to analyze its advantages, disadvantages and how it aligns with your lifestyle.

Why would anyone opt for such an exclusive card?

The answer lies in the combination of generous rewards and benefits that few cards in Brazil can match.

Let’s dive into the details, with practical examples, a shocking statistic, and an analogy that illustrates the card’s value, so you can make an informed decision.

Exclusive Benefits of BRB Dux Visa Infinite

O BRB Dux Visa Infinite stands out for its aggressive points program, offering 5 points per dollar on domestic purchases and 7 points per dollar on international purchases.

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These points, accumulated in the Curtaí program, do not expire and can be transferred to mileage programs such as TudoAzul, LATAM Pass and Smiles.

For example, imagine you spent US$1,000 on an international trip.

With BRB Dux, you would accumulate 35,000 points, enough to redeem for airline tickets or premium products in the Curtaí catalog, maximizing the return on your spending.

Furthermore, unlimited access to VIP lounges at airports is an incomparable advantage.

The card offers free entry to lounges in the LoungeKey, Priority Pass and Visa Airport Companion programs, as well as BRB VIP Club lounges in Brasília and Goiânia.

For a frequent traveler like Ana, an executive who takes 10 international flights a year, this means comfort and savings.

On a single trip, Ana and three companions can enjoy meals, drinks and Wi-Fi in a lounge, saving around US$$ 140 per visit (considering the average cost of paid lounge access).

Finally, the card offers a range of insurance policies that protect both the cardholder and their companions.

From flight delay protection to baggage insurance, these benefits bring peace of mind.

For example, if John, a card user, has his luggage lost on a trip to Europe, he could receive up to US$$ 3,000 in compensation, depending on the insurance conditions.

So, the BRB Dux Visa Infinite not only rewards, but also protects, making it a valuable tool for anyone living between airports.

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Costs and Requirements: The Price of Exclusivity

Although the BRB Dux Visa Infinite offers impressive benefits, it is not accessible to everyone.

The annual fee of R$ 1,680 (or 12x of R$ 140) is one of the main points to consider.

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However, the exemption policy is attractive: 50% discount with monthly spending of R$ 20,000 and 100% with R$ 35,000.

For an entrepreneur like Carla, who spends R$40,000 per month on corporate expenses, the total exemption from the annual fee makes the card extremely advantageous, as the points accumulated outweigh the cost.

Additionally, the card requires a solid relationship with Banco de Brasília (BRB).

To be eligible, you must be an account holder, have a minimum estimated income of R$ 20,000 and an initial credit limit of at least R$ 50,000.

The bank often requests investments or contracting of additional products, which can be a barrier.

For example, one client who invested R$300,000 in BRB products reported that his approval was almost immediate, while another, with less of a relationship, faced months of waiting.

Furthermore, another point to consider is the cost of international purchases.

The BRB applies a spread of 4% on the commercial dollar, added to the IOF of 4.38%, totaling an increase of 8.38% in transactions in foreign currency.

For those who make frequent purchases abroad, this can reduce the perceived value of the 7 points per dollar.

Therefore, before investing in BRB Dux Visa Infinite, it is crucial to assess whether your consumption habits justify these costs.

Comparison with Competitors: Is Dux Really Unbeatable?

When compared to other premium cards, such as the Santander Unlimited Visa Infinite or the Bradesco Aeternum, the BRB Dux Visa Infinite stands out for its generous points and access to three VIP lounge programs.

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For example, Santander Unlimited offers 2.2 points per dollar, well below Dux's 5 to 7 points.

However, Santander allows exemption from annual fees with lower spending (R$15,000/month), which may be more accessible for some profiles.

A relevant statistic illustrates Dux's differential: according to the Melhores Destinos portal, the BRB Dux Visa Infinite was elected the best credit card in Brazil for two consecutive years.

Thus, with 33,263 votes in 2022, surpassing competitors such as Santander Unlimited and Porto Seguro Visa Infinite.

This recognition reflects the perception of value among users, especially frequent travelers who value VIP lounges and miles.

Think about it BRB Dux Visa Infinite like a private jet in a world of commercial flights: it offers a premium experience, but requires a high initial investment and constant maintenance.

While other cards, such as the Porto Seguro Visa Infinite, offer similar benefits, such as access to VIP lounges, they limit the number of free accesses, while the Dux guarantees unlimited entries.

So for those who maximize the benefits, Dux is hard to beat.

Who is the BRB Dux Visa Infinite Ideal For?

O BRB Dux Visa Infinite is designed for a specific audience: frequent travelers, high-income professionals, and people who value premium experiences.

If you spend more than R$ 20,000 per month and travel internationally frequently, the card can be a powerful tool.

For example, a doctor who travels monthly to international conferences can accumulate enough points to redeem annual tickets, in addition to enjoying the comfort of VIP rooms.

On the other hand, if your expenses are mostly domestic or you don't travel frequently, the card may not justify the annual fee.

A customer who spends R$10,000 per month, for example, would accumulate 50,000 points per year (on domestic purchases), which may not offset the cost if VIP lounges or insurance are not used.

Therefore, the value of the card depends directly on your lifestyle and consumption habits.

Have you ever stopped to calculate how many miles you could accumulate with your monthly expenses?

For those who live between airports and luxury hotels, the BRB Dux Visa Infinite is a key to access a world of privileges.

However, for others, it may be an unnecessary investment, like buying a sports car to drive only on city streets.

Disadvantages and Pitfalls to Avoid

Despite its benefits, the BRB Dux Visa Infinite has limitations that deserve attention. The main one is the approval process, which can be bureaucratic.

Many customers report delays in releasing points (up to 25 days after paying the invoice), which can frustrate those expecting speed.

Additionally, the card is not compatible with popular digital wallets like Apple Pay or Google Pay, which can be an inconvenience for modern users.

Furthermore, another disadvantage is the lack of cashback, a common feature on competing premium cards.

For those who prefer direct financial returns, this can be a negative point.

Furthermore, the requirement of a relationship with BRB, such as investments or additional products, may be an obstacle for new customers.

For example, a customer who opened an account at BRB but did not meet the investment criteria may only be approved for the BRB Visa Infinite, an inferior card, before getting the Dux.

Finally, the 4% spread on international purchases, added to the IOF, increases the cost of transactions abroad.

To minimize this impact, it is recommended to focus spending on partners that offer points transfer bonuses, maximizing returns.

So while the BRB Dux Visa Infinite shines in benefits, requires planning to avoid financial traps.

Frequently Asked Questions

Conclusion: Is it Worth Investing in the BRB Dux Visa Infinite?

O BRB Dux Visa Infinite is an elite financial tool designed for those looking to maximize rewards and enjoy premium benefits.

With 7 points per dollar on international purchases, unlimited access to VIP lounges and a range of insurances, it's unbeatable for frequent travelers and high-net-worth customers.

However, its high annual fee, restrictive approval process and lack of cashback may limit its appeal to other profiles.

If you spend more than R$20,000 per month and enjoy travel benefits, the card is an investment that pays for itself in points and comfort.

Otherwise, other options, such as Santander Unlimited, may be more affordable.

The decision depends on how much you are willing to invest to access a world of privileges.

So, the BRB Dux Visa Infinite Is it for you? Only your financial habits will tell.