Revolut offers credit cards to eligible customers who reside in Brazil and already have a Revolut payment account in the app.
The credit card works as a physical or virtual card used to pay for goods and services, with your credit limit shown in the offer screen in-app.
Your agreement runs indefinitely until it is terminated, and key actions like enabling or disabling the card can be done inside the app.
Basic eligibility to apply
You must be a Revolut customer in Brazil and complete the credit card application through the Revolut app.
You must pass Revolut’s identity checks (KYC), and Revolut can decide not to conclude the credit agreement even if you apply.
Your credit limit is personal, displayed in the app, and changes or increases can depend on Revolut’s analysis and approval.
If you still owe anything under the credit agreement, you agree not to close your payment account until obligations are fully discharged.
Who can actually see the credit card option
Revolut states that customers residing in Brazil are eligible for Revolut credit cards.
If you live in an eligible country but don’t see the feature, Revolut recommends checking that your address is correct in your personal details.
If the option still doesn’t appear, you can use in-app chat support to confirm whether your profile is enabled for credit products.
What Revolut evaluates during approval
Revolut confirms the credit agreement is only concluded after you pass account checks, including identity verification.
Revolut also highlights that missing payments can lead to a negative credit impact and other consequences under the agreement.
Because the offer is individualized, your limit and conditions are presented in the app at the moment of the offer.
Documents and information to prepare
You should be ready to complete Revolut’s identity verification steps inside the app, since KYC checks are part of the process.
You should also ensure your personal address details in the app are accurate, because Revolut specifically points to address correctness when the credit option is missing.
Keep your phone available for app-based verification, since the entire application and acceptance of the agreement happen digitally through the app.
If you plan to use installments or international spending, prepare to review how fees, IOF, and FX conversion will appear on statements.
A quick pre-check before you apply
Open the Revolut app and confirm your Brazilian residence address is correct in your personal details.
Confirm you already have a Revolut payment account, since it is listed as a precondition for having a credit card.
Make sure your in-app notifications and email access are working, because Revolut says it will notify you when the credit agreement is concluded.
Step-by-step: how to apply in the Revolut app
Start by using the Revolut app to access the credit card application flow, since Revolut states the process is completed via the Revolut app.
Review the offer screen carefully, because your credit limit and key terms are presented there before you accept.
Accept the credit agreement in the app, because Revolut lists acceptance via the app as part of the required pre-conditions.
Wait for confirmation that the agreement has been concluded, since Revolut states it will notify you by email or through the app after checks are completed.
Interest rates, IOF, and other costs you must understand
Revolut explains that it can charge different interest rates depending on the type of transaction, and you should check the applicable rate in-app.
To keep an interest-free period on purchases, Revolut says you generally need to pay your statement balance in full and on time, and not carry unpaid balances.
For purchases financed by Revolut, the agreement states that interest will be charged, and IOF can be included in the monthly installments when financed.
For international transactions, the agreement explains conversion mechanics and notes that IOF and an international exchange spread may apply.
Where to find your exact interest rate in the app
Revolut states you can check the applicable interest rate by going to the Credit card section and tapping Info and Rates.
This matters because there is not one public “single APR for everyone,” since rates can vary by transaction type and customer profile.
Common fee areas to review before spending
Applied rate can differ due to the spread logic referenced to PTAX Venda + spread in the contract description.
The same section notes that taxes like IOF appear on statements for international transactions, which can change your real cost even if the purchase price looks low.
If you use installments, check whether the merchant or Revolut is financing it, because Revolut financing can add interest and IOF to the installment plan.
Official Revolut Brazil contact details
Revolut lists customer service phone numbers for SAC: +55 11 5039-1888 (São Paulo capital) and 0800 591 1445 (other regions).
Revolut also lists an Ouvidoria (ombudsman) channel at 0800 591 1329 and an email address for that channel.
Revolut’s company information lists Rua Manuel da Nóbrega, nº 1.280, 10º andar, CEP 04001-902, São Paulo, SP, Brazil.
When to use SAC vs Ouvidoria
Use SAC first for everyday support like application visibility, card delivery questions, billing doubts, or account access issues.
If your complaint is not resolved through normal support channels, Revolut provides an Ouvidoria channel with a dedicated phone number and hours on its Brazil contact pages.
If needed, Revolut also references the possibility of filing a complaint through the Central Bank of Brazil site when issues are not resolved.
Final checklist before you tap “Apply”
Confirm you have an active Revolut payment account in Brazil, because it is a stated precondition to hold a Revolut credit card.
Read the offer screen slowly and treat the limit, fees, and rates as the source of truth for your profile.
Locate the in-app place where Revolut shows Info and Rates so you know exactly where to verify interest before you carry any balance.
Save the official support contacts so you can act fast if you ever need to block a card for loss, theft, or suspicious activity.
Conclusion
If you want a Revolut credit card in Brazil, the safest path is to keep your account details correct and apply directly in the Revolut app.
Because Revolut says interest rates can vary by transaction type and must be checked in-app, always verify your personal rate before you revolve any balance.
Use SAC for support during the process and escalate to Ouvidoria if a complaint is not resolved through normal channels.
Disclaimer: This article is for informational purposes and is not financial, legal, or tax advice. If you are unsure about costs like interest, IOF, or FX spread, contact Revolut support using the official channels listed above before proceeding.
