Bradesco Credit Card – Learn How to Apply

Bradesco credit cards are widely used in Brazil for their flexibility, benefits, and easy access. 

Whether you’re looking for cashback, travel perks, or installment options, there’s a Bradesco card that fits your financial profile. 

In this guide, you’ll learn how to apply, what documents are required, and what fees or interest rates to expect.

Bradesco Credit Card Benefits

Bradesco credit cards offer a range of features tailored to meet various financial needs. 

Whether you want to earn rewards, make secure online purchases, or manage expenses in installments, these benefits offer flexibility and convenience.

• Points Program: Earn points with Bradesco Fidelidade or Livelo, which can be exchanged for products, travel, and services.
• Installment Payments: Split purchases into up to 24 monthly payments, often with no interest at partner stores.
• Partner Discounts: Access exclusive discounts and promotions in the retail, travel, and entertainment sectors.
• Travel Benefits: Cards like Platinum and Infinite include travel insurance, priority boarding, and airport lounge access.
• Digital Wallet Support: Compatible with Apple Pay, Google Pay, and Samsung Pay for contactless payments.
• App Control: Use the Bradesco Cartões app to track spending, view your invoice, create virtual cards, and adjust limits in real time.

Interest Rates and Annual Fees

Before applying, it's essential to understand the associated costs. 

These include monthly interest on balances and annual fees based on the features you use.

• Rotating Credit Interest (Juros do Rotativo): Varies from 9.90% to 17.99% per month, depending on your credit profile and payment history.
• Installment Plan Interest (Parcelamento de Fatura): Can reach up to 8.49% per month if you choose to pay your bill in parts.
• Cash Advance Interest: Charges are typically higher, and additional fees apply when withdrawing from ATMs.
• Annual Fees: Range from R$120 to R$996 per year, usually divided into monthly installments.
• Fee Reductions: Some cards offer discounts on the annual fee based on usage or customer loyalty.
• Additional Charges: Late payment, second copy of the invoice, and limit increase requests may incur extra service fees.

Who Can Apply and What You Need

Before you begin the application, ensure you meet the basic eligibility requirements.

You’ll also need to prepare some documents to complete the process smoothly.

• Minimum Age: Must be at least 18 years old or 16 with proven income.
• Valid CPF: Your CPF must be active and in good standing.
• Income Requirement: Varies depending on the card tier and the benefits offered.
• ID Document: RG or CNH with a clear photo.
• Proof of Income: Recent payslip, tax return, or bank statement.
• Proof of Address: Utility bill or similar, issued within the last 90 days.

How to Apply for a Bradesco Credit Card

You can apply through the method that works best for you—online, by app, or in person. Here's how each option works step by step:

Online via Website

1. Visit the official Bradesco website.
2. Select your preferred credit card.
3. Click on “Solicitar” (Apply).
4. Fill in your personal, contact, and income details.
5. Submit the proposal and wait for a confirmation email or SMS.

Using the Bradesco App

1. Download the Bradesco Cartões app from Google Play or the App Store.
2. Log in with your Bradesco account or create one.
3. Tap on the “Cartões” (Cards) section.
4. Choose the card you want and tap “Solicitar.”
5. Enter your details and confirm the request.

At a Bradesco Branch

1. Go to a nearby Bradesco branch.
2. Bring your CPF, photo ID, proof of income, and proof of address.
3. Request a credit card application from a service agent.
4. Fill out the form on-site.
5. Wait for credit analysis and card delivery confirmation.

Application Review and Delivery Time

After submitting your application, Bradesco will review your information to determine whether to approve it. 

Here’s what to expect during the analysis and delivery process:

• Credit Analysis: This takes between 1 to 7 business days, depending on your profile.
• Notification: You’ll receive updates via SMS, email, or through the Bradesco app.
• Approval Result: If approved, you’ll be informed with instructions to activate the card.
• Card Issuance: The physical card is printed and prepared for delivery.
• Delivery Time: The card typically arrives within 10 to 15 business days via mail.
• Card Activation: You can activate the card through the app or by phone once you receive it.

Card Management Tools

Bradesco offers digital tools to help you manage your credit card easily and securely. 

You can track spending, control limits, and access features right from your phone or computer.

• Bradesco Cartões App: Check your balance, view invoices, track transactions, and receive real-time alerts.
• Virtual Card: Generate a digital card for safer online shopping, available instantly through the app.
• Limit Control: Request a credit limit increase or reduce your limit for better spending control.
• Invoice Options: View, download, or pay your bill directly from the app or Internet Banking.
• Purchase Tracking: Get detailed information about each transaction and sort by date or type.
• Digital Wallet Integration: Link your card to Apple Pay, Google Pay, or Samsung Pay for quick and contactless payments.

Tips to Improve Approval Chances

Want to boost your chances of getting approved? Follow these simple tips to strengthen your credit profile before applying:

• Keep Your CPF Clear: Make sure your CPF is active and free from any restrictions or pending issues.
• Maintain a Good Credit Score: Pay bills on time and avoid overdue debts to keep a positive credit history.
• Report Accurate Income: Always provide truthful and verifiable income information that matches the card’s requirements.
• Start with a Basic Option: If it’s your first credit card, consider applying for an entry-level card to increase approval odds.
• Avoid Multiple Applications: Don’t apply for several cards at once, as this can negatively impact your credit score and reduce your chances of approval.
• Update Your Information: Ensure your address, contact number, and job details are accurate and up to date.

Customer Support and Help Channels

Need assistance? Here's where you can get help from Bradesco:

Phone (Card Support)

• 4002 0022 (capitals & metro areas)
• 0800 570 0022 (other regions)
• +55 11 4002 0022 (from abroad)

24/7 Customer Service (SAC): 

• Call 0800 704 8383 anytime.

Support for the hearing or speech impaired: 

• Call 0800 722 0099.

Ouvidoria (Escalation): 

• 0800 727 9933 (Mon–Fri, 9 am–6 pm)

WhatsApp Chat (via BIA): 

• +55 11 3335 0237 – get quick answers and assistance

App Support: 

• Use the Bradesco Cartões app for live chat, virtual card management, and to report lost or stolen cards.

Website Contact Form:

• Visit "Fale Conosco" on Bradesco’s site to submit suggestions, complaints, or questions

No Direct Email for Card Support: 

• For data privacy issues, email: dpo@bradesco.com.br

Branch Service: 

• Visit any Bradesco agency for in-person help with cards, payments, or issues.

Final Thoughts

Bradesco credit cards offer flexible options, helpful digital tools, and benefits that cater to a range of income levels. 

Applying is quick and can be done online, via the app, or at a branch. 

Select the card that best suits your needs and begin your application today.

Disclaimer

This content is for informational purposes only and does not constitute financial advice. 

Terms, interest rates, and eligibility requirements are subject to change—please verify directly with Bradesco before applying.