Porto Seguro review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Porto Seguro is a Brazilian credit card built for drivers and travellers who want foreign purchases to cost nothing and points on everyday spending. The overall score is 5.1 out of ten, and the perk list covers toll tags, fuel discounts and lounge access on the higher cards.
Key facts
- Best for
- Paying no fee on foreign spending and using the toll, fuel and lounge perks each month.
- Annual fee
- R$39 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Rewards type
- Points (Source, checked September 26, 2026)
- Rewards rate
- 1.0 point per dollar spent (Gold); up to 3.5 points per dollar (Black and Infinite) (Source, checked September 26, 2026)
- Perks
- IOF Zero on international purchases, Airport VIP lounge access, 6 free entries per year on Black and Infinite cards, Free toll tag, Shell Box fuel discount of up to BRL 0.15 per litre, Up to 15% off Seguro Auto, Points redeemable for airline miles from 20,000 points, First year of annual fee free on the first card, Annual fee instalment waived with monthly card spending of up to BRL 3,499.99 on Gold (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Portoseg S/A - Credito e Financiamento e Investimento (Source, checked September 26, 2026)
- Headquarters
- Brazil (Source, checked September 26, 2026)
- Support channels
- Phone, Chat, Help-centre (Source, checked September 26, 2026)
- Features
- Rewards
- Official website
- portoseguro.com.br
Pros and cons
Pros
- Rewards are points based, with a flat point per dollar on Gold and more on Black and Infinite.
- The currency conversion fee is 0%, so foreign purchases carry no extra conversion charge.
- The perk list spans toll tags, fuel discounts, lounge access and car insurance discounts: IOF Zero on international purchases, Airport VIP lounge access, 6 free entries per year on Black and Infinite cards and Free toll tag.
- Support runs on phone, chat and help centre, with phone, chat and a help centre.
Cons
- The annual fee of BRL 39 sits well above the site median €0.
- Points only turn into airline miles above a threshold set out in the perk list: IOF Zero on international purchases, Airport VIP lounge access, 6 free entries per year on Black and Infinite cards and Free toll tag.
- Rewards are points rather than cash back, so nothing lands in your account as you spend.
Who it suits
- Drivers in Brazil who will use the toll tag, fuel discount and insurance discount in the perk list: IOF Zero on international purchases, Airport VIP lounge access, 6 free entries per year on Black and Infinite cards and Free toll tag.
- Travellers who would rather pay no currency conversion fee, since it is 0%.
- Anyone who can offset the annual fee of BRL 39 with the perks listed on the card: IOF Zero on international purchases, Airport VIP lounge access, 6 free entries per year on Black and Infinite cards and Free toll tag.
Who should look elsewhere
- Oney, if you would rather pay an annual fee of €10 in a European market.
- Amwal, which has an annual fee of SAR 0 and so costs nothing to hold each year.
- National Bank of Kuwait Cards, whose annual fee of KWD 30 sits in a different market and currency.
Fees and currency costs
The annual fee is BRL 39 for the credit card range. The median across the site is €0, and the upper quartile for rewards cards is €23.20, so Porto Seguro sits above many of the cards tracked here. The currency conversion fee of 0% pulls the other way, ranking 1 of 181 brands on that measure.
Who runs it
The card is issued by Portoseg S/A - Credito e Financiamento e Investimento, a company based in Brazil, so the contract and the statements sit with a Brazilian issuer. Support runs on phone, chat and help centre, which means phone and chat lines plus a help centre for questions you would rather work through yourself. If you mostly buy in Brazil, that home market support is the practical part.
How Porto Seguro compares
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.8
9.3 vs 9.2
9.3 vs 8.8
9.3 vs 9.4
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 9.0
9.3 vs 8.8
9.3 vs 8.8
9.3 vs 8.7
9.3 vs 9.2
9.3 vs 9.0
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
- 9.3 vs 8.8
- 9.3 vs 8.8
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.3
9.3 vs 8.2
9.3 vs 8.0
9.3 vs 8.0
Where Porto Seguro is available
- Available
- Brazil
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much is the annual fee?+
The annual fee is BRL 39 for the credit card range, and the perk list can waive it for a year on the initial card. Which tier you pick decides whether that waiver applies, so read the tier before treating the fee as a fixed yearly cost.
Is there a charge when I spend in another currency?+
The currency conversion fee is 0%, so purchases abroad carry no extra conversion charge. It ranks 1 of 181 brands on that measure, and the perk list also treats international purchases with IOF included: IOF Zero on international purchases, Airport VIP lounge access, 6 free entries per year on Black and Infinite cards and Free toll tag.
What do I earn for spending?+
Rewards are points based. The Gold card pays a flat point per dollar spent, and the Black and Infinite cards pay more per dollar. Points redeem for airline miles once the threshold in the perk list is met: IOF Zero on international purchases, Airport VIP lounge access, 6 free entries per year on Black and Infinite cards and Free toll tag.
What extras come with the card?+
The perk list, IOF Zero on international purchases, Airport VIP lounge access, 6 free entries per year on Black and Infinite cards and Free toll tag, covers airport lounge access on the Black and Infinite cards, a free toll tag, a Shell Box fuel discount and a discount on Seguro Auto. Those are everyday Brazilian costs, so a driver may get more from the list than from the points alone.
How do I reach customer service?+
Support runs on phone, chat and help centre. That means a phone line, a chat service and a help centre, so a short question can go to chat while a longer one is worked through in the help centre. Both channels sit with the issuer that runs the card.
How does the cost compare with other cards here?+
On cost the card scores 5.1 out of ten, and the annual fee of BRL 39 ranks 223 of 301 brands on that measure. The currency conversion fee of 0% is the reason the picture is mixed rather than poor.
Sources
- porto.vc/anuidade-cartao checked September 26, 2026
Backs: Annual fee, Headquarters, Legal entity
“PORTOSEG S/A - CREDITO E FINANCIAMENTO E INVESTIMENTO. CNPJ 04.862.600/0001-10”
- portoseguro.com.br/cartao-de-credito checked September 26, 2026
Backs: Card kind, Features, Currency conversion fee, Perks, Rewards rate, Rewards type, Support channels
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR.
Related by the facts
Porto Seguro
Paying no fee on foreign spending and using the toll, fuel and lounge perks each month.