Brazilian shoppers aiming for simple control and broad acceptance often look first at the Digio Card.
The focus sits on a fully digital experience, Visa Gold benefits, and quick approval handled inside the app.
Because the Digio Card positions itself as a zero annual fee credit card for new customers, everyday spending becomes easier to centralize without adding fixed costs.
What the Digio Card Is
Digio issues a Visa Gold credit card managed entirely by a mobile app, including spending controls, invoice payments, and a built-in virtual card.
The card works for domestic and international purchases and can be added to digital wallets after approval.
Official product pages highlight Visa Gold protections such as extended warranty, purchase protection, and price protection, which apply per issuer terms and Visa eligibility.
Benefits That Matter
Short, high-impact advantages help determine fit quickly and avoid guesswork during setup.
- Zero annual fee credit card positioning for new customers since 05/09/2024; legacy customers face a low monthly fee unless a spend threshold is met.
- Visa Gold benefits Brazil, including Purchase Protection and Extended Warranty, subject to Visa rules and issuance conditions.
- Real-time app control: see transactions, set due-date alerts, generate a virtual card for online shopping, and add to Apple Pay or Google Pay.
- International purchases with Digio are enabled by Visa network acceptance at millions of merchants worldwide.
- Clear rate sheet and taxes disclosed publicly; conversion on foreign transactions uses Dólar PTAX + 4% plus IOF per law.
Fees, Rates, and Taxes in 2025
Transparent costs support smarter usage. The table summarizes the headline items published by Digio. Values can change; confirm in-app before contracting.
| Item | What to know (Jan 2025) |
| Annual fee — Digio Gold | Listed as R$59.88/yr in 12× R$4.99 until 19/01/2025; R$83.88/yr in 12× R$6.99 from 20/01/2025. Marketing states full waiver for new cards issued from 05/09/2024; older portfolios get waiver with monthly spend (see note below). |
| Annual fee — Digio One | R$538.80/yr in 12× R$44.90. |
| Interest rates on revolving credit | Rotativo/Atraso 18.99% a.m. (CET up to ~705.61% a.a.). |
| Installment of invoice | 16.99% a.m. (CET up to ~557.33% a.a.). |
| Currency conversion for foreign spend | Dólar PTAX + 4% spread; IOF also applies. |
Important fee note for Gold: The current tariff table lists an annual fee, while the official product page grants isenção total for cards issued from 05/09/2024 and a conditional waiver for earlier customers (the fee is waived when the monthly bill reaches a set threshold; otherwise, a small monthly charge applies).
Always check the fee status shown in your app, as the tariff table represents standard pricing while marketing waivers depend on portfolio and issue date.
Tax reminder: IOF is 0.0082% per day (capped at 3% per year) plus an additional 0.38% on qualifying operations, charged at the prevailing rate at the time of the transaction.
How To Apply for the Digio Card
Getting approved generally takes minutes when documents and data are ready. Avoid rework by entering information exactly as it appears on your ID.
- Install the Digio app (Android or iOS) and open the Digio credit card application flow on the home screen.
- Create your profile and confirm phone and email; keep the device nearby for verification codes.
- Submit identity data (CPF, full name, birthdate) and upload required documents when prompted. Digio commonly requests RG or CNH, proof of address, and, in some cases, income proof.
- Wait for the credit analysis; if approved, generate the virtual card for online purchases and add the card to a digital wallet for in-store use.
- Activate the physical card upon arrival and set invoice and limit preferences in the app to align with your budget.
Eligibility and Documentation
Approval requires being at least 18, having a valid CPF, and keeping taxpayer records in good standing. Clean CPF records and consistent income typically improve odds, while negative listings can reduce approval likelihood.
Submitting a legible ID, recent proof of address, and, if requested, income proof accelerates the process because manual reviews tend to be slower. Official Digio guidance and long-standing market practice support these expectations.
Credit Limit, Virtual Card, and International Use
Limit assignment follows Digio’s internal risk models and can change over time; paying invoices on time and maintaining low utilization usually helps during periodic re-evaluations.
The built-in virtual card for online shopping protects the primary number and lets you rotate credentials on demand, a prudent move for subscriptions and one-off purchases.
For trips and overseas websites, international purchases with Digio post using the Visa network and follow the conversion spread and IOF rules shown earlier.
Rewards and Upgrades
Customers wanting a points ecosystem can consider Digio One, which accrues Livelo points on eligible credit spend. Official help content states accrual per U.S. dollar posted, viewable inside the app, and redemption follows Livelo program rules.
Evaluate whether the annual fee makes sense relative to monthly spend and the value of airline miles, travel redemptions, or merchandise.
Security Features and App Controls
A few toggles in the app go a long way toward safer payments and tighter budget control.
- Lock and unlock the card instantly if it’s misplaced or during suspicious activity.
- Generate a fresh virtual card for each merchant to compartmentalize risk.
- Set alerts for transactions and due dates to avoid unintended revolving balances.
- Add the card to Apple Pay or Google Pay for tokenized, contactless payments in stores.
- Use Visa Gold benefits in Brazil, such as purchase protection and extended warranty when eligible, following the insurer’s certificate process.
Timelines, Support, and Next Steps
Physical delivery typically arrives within business-week timelines once approved, while the virtual card works immediately after generation.
Customer support runs through the in-app chat and official website, which also hosts help center articles on rotating credit, invoice payments, and card features.
Keep an eye on the evolving fee policy because Digio communicates portfolio-specific waivers on its product page while maintaining a general tariff table for compliance.
Conclusion
Digio’s Visa Gold profile balances app-first control, strong acceptance, and benefit coverage that fits everyday purchases.
Promotional waivers make the Digio Card attractive when minimizing fixed costs, while the clear tariff table and help center articles keep total cost transparent.
Keep invoices current, use the virtual card strategically, and escalate to Digio One only if Livelo point earnings outweigh the annual fee.
