The Card That Turns Your Purchases into Cashback Earning 200% of the CDI

For a long time, the Nubank Ultraviolet card was known for its self-generated cashback. In 2025, the card was redesigned and began operating in a different way.

Here you'll understand how cashback works today, what benefits came with the change, and who the card makes sense for.

Benefits of Nubank Ultraviolet

• Cashback or points

  Earn 1,25% back on all credit card purchases, or 2.2 points per dollar spent. You choose what makes the most sense for you.

• Points for travel

  Points can be transferred to airline loyalty programs such as LATAM Pass, Azul Fidelidade, and Smiles.

• International purchases

  Zero IOF (tax on financial transactions) on international purchases made with a credit card, with tax refund, plus a reduced spread on currency conversion.

• VIP Lounges

  Four annual accesses to Priority Pass VIP lounges and access to the Ultraviolet Lounge at Guarulhos Airport.

• Internet and global account

  International eSIM with 10 GB per year and a global account to use in other currencies while traveling.

• Mastercard Black Benefits

  As a Black card, it grants access to the benefits of the Mastercard network, such as insurance and protections for purchases and travel, according to Mastercard's rules.

✓ Tip: If you travel outside of Brazil frequently, compare the value of the zero IOF tax and access to VIP lounges with the monthly fee. For many travelers, these benefits already cover a significant portion of the cost.

Ultraviolet charges a monthly fee of R$ 89 when the exemption conditions are not met.

To avoid paying, simply fulfill one of the conditions below:

• Spend more than R$ 8 thousand per month by credit card; or
• Maintain more than R$ 50 thousand saved or invested at Nubank.

The card is aimed at higher-income customers, and approval depends on credit and profile analysis.

It depends on your profile. For those who already spend close to R$ 8,000 per month on the card, the monthly fee is waived and the cashback of 1,25% returns as real money.

For travelers, transferable points, zero IOF (tax on financial transactions), and VIP lounges significantly increase the value of the card.

If your spending is significantly lower and you don't intend to pay a monthly fee, a no-cost card might be more advantageous.

⚠ Warning: Many older articles still mention cashback that yields 200% of the CDI. This rule no longer applies. Before deciding, always check the current conditions on the official Nubank website.

Do you want to know the current conditions?

See all the details about Ultraviolet on the official website and check if the card matches your profile.

Credit analysis required. See terms.

The Nubank Ultraviolet card is no longer just a "cashback that earns interest automatically"; it's a more complete premium card for travelers who concentrate their spending on credit.

If you meet the exemption requirements and take advantage of the travel benefits, it can be very worthwhile. If not, it's worth comparing it with other options before applying.