Premium credit cards aren’t exclusive to high earners anymore.

These five cards offer premium benefits like airport lounges, concierge services, and high cashback rates while accepting minimum wage earners who meet specific criteria.

Card #1: Nubank Ultravioleta – The Democratic Premium

Nubank revolutionized premium access with Ultravioleta, requiring only R$ 150 monthly spending instead of high income.

Why Ultravioleta Changes Everything:

• Income Flexible: No minimum salary requirement stated

• Monthly Fee Option: R$ 49 or free with R$ 150 spending

• 1% Cashback: Unlimited cashback on all purchases

• Premium Metal: Physical metal card like traditional premiums

Ultravioleta Premium Benefits:

• Global Acceptance: Mastercard Black level acceptance

• Purchase Protection: Extended warranty and price protection

• Travel Insurance: International coverage included

• Exclusive Experiences: Access to events and partnerships

Card #2: C6 Carbon – The Accessible Black Card

C6 Bank’s Carbon offers Black card benefits with innovative income evaluation methods.

C6 Carbon Advantages:

• Alternative Analysis: Considers investments and account movement

• Lower Threshold: Reports of approval with R$ 2,000 income

• No Annual Fee: Free for active users

• Carbon Footprint: Eco-friendly metal card

Carbon Premium Features:

• Mastercard Black: Full Black tier benefits

• Airport Lounges: LoungeKey access worldwide

• Concierge Service: 24/7 assistance for travel and lifestyle

• Tag Pedagio: Automatic toll payment included

Card #3: Inter Black – The Investment Route

Banco Inter approves Black cards based on investment portfolio rather than salary alone.

Inter Black Strategy:

• CDB Investment: R$ 5,000 investment can qualify you

• Account Relationship: Regular account usage improves chances

• Income Combination: Considers all income sources

• Free Structure: No annual fee ever

Inter Black Benefits:

• Unlimited Cashback: 1.25% on all purchases

• Airport Lounges: DragonPass network access

• Travel Insurance: Comprehensive international coverage

• Exclusive Discounts: Special rates at partners

Card #4: BTG+ Visa Infinite – The Surprise Option

BTG Pactual’s digital bank offers Infinite access through strategic account use.

BTG+ Accessibility:

• No Stated Minimum: Focuses on relationship over income

• Investment Platform: Small investments improve approval

• Gradual Upgrade: Start basic, upgrade to Infinite

• Fee Waiver: Active use eliminates fees

BTG+ Premium Perks:

• Visa Infinite: Highest Visa tier benefits

• Cashback Program: Up to 2% on selected categories

• Priority Service: Dedicated support channels

• Investment Integration: Seamless wealth management

Card #5: PagBank Gold – The Achievable Premium

PagSeguro’s Gold card offers premium features with realistic requirements for workers.

PagBank Gold Reality:

• Lower Requirements: R$ 1,500 monthly income sufficient

• Account Activity: Values transaction history over salary

• Quick Upgrade: Regular users upgrade from basic

• Transparent Fees: Clear fee structure

Gold Card Benefits:

• International Use: Full global acceptance

• Cashback Rewards: Competitive rates on purchases

• Insurance Package: Travel and purchase protection

• Premium Support: Priority customer service

Premium Cards Comparison

Card	Real Requirement	Key Benefit	Annual Fee
Nubank Ultravioleta	R$ 150 spending	1% cashback	R$ 49 or free
C6 Carbon	R$ 2,000+ income	Black status	Free if active
Inter Black	R$ 5,000 investment	1.25% cashback	Free
BTG+ Infinite	Relationship	Visa Infinite	Waivable
PagBank Gold	R$ 1,500 income	Accessibility	Variable

Strategies to Get Approved

Building Your Profile:

• Concentration Strategy: Use one main bank for everything

• Investment Matters: Even R$ 100 monthly shows stability

• Payment History: Never miss payments on existing cards

• Multiple Income: Declare all legitimate income sources

Application Tips:

• Timing Matters: Apply after 6 months of account use

• Show Growth: Increasing deposits help approval

• Digital First: Fintechs more flexible than traditional banks

• Upgrade Path: Accept basic cards first, then upgrade

Maximizing Premium Benefits

Getting Full Value:

• Use Benefits: Access lounges to justify any fees

• Cashback Strategy: Concentrate spending on one card

• Travel Planning: Use insurance and concierge services

• Partner Discounts: Explore all exclusive offers

Cost Management:

• Fee Waivers: Meet spending requirements to avoid fees

• Compare Returns: Ensure cashback exceeds any costs

• Selective Use: Not every purchase needs premium card

• Annual Review: Reassess if card still makes sense

Reality Check

What “Premium” Really Means:

• Marketing Terms: “Gold” and “Platinum” vary by issuer

• Benefit Levels: Not all premium cards equal

• True Premium: Black and Infinite offer most benefits

• Cost-Benefit: Premium only worth it if you use benefits

Conclusion

These five cards prove that premium benefits are increasingly accessible to minimum wage earners who approach applications strategically.

Focus on building relationships with digital banks, maintain perfect payment history, and understand each card’s unique approval criteria.

Premium access is no longer just about income – it’s about being a valuable customer.