While most credit cards start with modest limits, these seven options offer substantially higher initial credit lines with approval processes completed within 24-72 hours.

From secured options to relationship-based banking, discover how to access R$ 5,000 to R$ 50,000 limits from day one.

#1: C6 Bank Secured Card – Up to R$ 50,000 Initial Limit

C6 Bank’s secured option offers the highest guaranteed limits in Brazil through CDB collateral.

Why C6 Secured Leads:

• You Control Limit: Deposit R$ 1,000 to R$ 50,000

• Instant Approval: Same-day decision guaranteed

• Keep Earning: CDB continues earning 100% CDI

• Full Features: Works like regular credit card

C6 Secured Process:

• Open Account: Free C6 digital account

• Make CDB: Choose your desired limit amount

• Immediate Card: Virtual card available instantly

• Transition Option: Convert to regular after 6 months

#2: BTG+ Banking – R$ 10,000 to R$ 30,000 Initial

BTG Pactual’s digital banking offers premium limits for qualified customers.

BTG+ High Limits:

• Investment Focus: Higher limits for investors

• Quick Analysis: 24-hour approval process

• Relationship Based: Account activity influences limit

• Premium Benefits: Visa Infinite or Mastercard Black

BTG+ Requirements:

• Income Proof: R$ 5,000+ monthly helps

• Investment History: Even small amounts matter

• Fast Onboarding: Digital account in minutes

• Immediate Use: Virtual card upon approval

#3: XP Card – R$ 8,000 to R$ 25,000 Starting

Investment platform XP offers substantial limits to active investors.

XP Card Advantages:

• Portfolio Analysis: Investments count as income

• 48-Hour Decision: Fast approval for clients

• Investback Feature: Cashback goes to investments

• No Annual Fee: For active XP users

XP Approval Factors:

• Investment Volume: R$ 10,000+ portfolio helps

• Trading Activity: Active traders get preference

• Multiple Products: Stocks, funds, bonds count

• Income Combined: Salary plus investment returns

#4: Santander Unlimited – R$ 5,000 to R$ 20,000

Traditional bank offering high limits for quality customers with fast digital approval.

Santander Strategy:

• Account Holders: Existing customers get priority

• 72-Hour Process: Quick decision for qualified

• Income Based: R$ 4,000+ monthly preferred

• Negotiable Limits: Can request increases immediately

Unlimited Benefits:

• Premium Features: Mastercard Black benefits

• Cashback Program: 1-2% on purchases

• Global Access: International acceptance

• Branch Support: Physical locations if needed

#5: Inter Black – R$ 3,000 to R$ 15,000 Initial

Digital bank Inter approves high limits based on comprehensive relationship.

Inter Black Approach:

• Account Analysis: Movement matters more than salary

• 24-Hour Approval: For active account holders

• Investment Edge: CDB/LCI holders get more

• Free Structure: No annual fees ever

Inter Success Formula:

• Salary Account: Direct deposit crucial

• 90-Day History: Build relationship first

• Use Services: Payments, investments, insurance

• Quick Growth: Limits double within months

#6: Original Card – R$ 5,000 to R$ 12,000 Start

Banco Original focuses on entrepreneurs and professionals with quick approvals.

Original Differentiation:

• Business Focus: Higher limits for MEI/business

• 48-Hour Decision: Fast analysis process

• Digital First: Complete online application

• Flexible Criteria: Alternative income accepted

Original Requirements:

• Professional Profile: LinkedIn helps approval

• Business Income: Invoices and contracts count

• Quick Verification: Digital document check

• Immediate Card: Virtual version instant

#7: Bradesco Prime – R$ 4,000 to R$ 10,000

Traditional bank’s premium segment offers substantial initial limits.

Bradesco Prime Path:

• Relationship Fast-Track: Open account for quick approval

• Income Verification: R$ 4,000+ preferred

• Branch or Digital: Choose application method

• 24-48 Hours: Decision for qualified applicants

Prime Advantages:

• Established Bank: Security and infrastructure

• Negotiation Power: Managers can adjust limits

• Full Services: Complete banking relationship

• Upgrade Path: Higher tiers available

High Initial Limit Comparison

Card	Initial Limit Range	Approval Time	Key Requirement
C6 Secured	Up to R$ 50,000	Same day	CDB deposit
BTG+	R$ 10,000-30,000	24 hours	R$ 5,000+ income
XP Card	R$ 8,000-25,000	48 hours	Investment account
Santander	R$ 5,000-20,000	72 hours	R$ 4,000+ income
Inter Black	R$ 3,000-15,000	24 hours	Active account
Original	R$ 5,000-12,000	48 hours	Professional profile
Bradesco	R$ 4,000-10,000	24-48 hours	Prime relationship

Maximizing Your Initial Limit

Preparation Strategy:

• Document Everything: Income, investments, assets

• Build Relationships: Open accounts before applying

• Show Stability: Employment history matters

• Multiple Sources: Declare all legitimate income

Application Optimization:

• Choose Timing: Apply early in month

• Complete Profile: Fill every optional field

• Highlight Assets: Mention investments, property

• Request Specific: Ask for amount you need

Fast Approval Tips

Speed Up Process:

• Digital Documents: Have PDFs ready

• Clean Credit: Check CPF status first

• Available Phone: Answer verification calls

• Banking Hours: Apply Monday-Thursday

Common Mistakes to Avoid:

• Multiple Applications: Don’t apply everywhere at once

• Inflated Income: Be honest about earnings

• Incomplete Data: Missing info delays approval

• Wrong Card Type: Match card to your profile

Conclusion

These seven cards prove that high initial limits with fast approval are achievable in Brazil.

Whether through secured deposits, investment relationships, or premium banking, you can access R$ 5,000 to R$ 50,000 credit lines within days.

Choose the option matching your financial profile and prepare documentation thoroughly for the best results.