Brazil’s largest omnichannel fashion group routes strong shopper perks through two in-house cards.
The Renner Card family includes a store-only option for everyday fashion purchases and an international version that works anywhere Visa or Mastercard is accepted.
Discounts, flexible installments, and app controls make the bundle compelling for frequent customers, while financing costs on the co-branded card require discipline.
What the Renner Card Covers
Lojas Renner S.A. leads a retail ecosystem that spans Lojas Renner, Camicado, Youcom, and Ashua, operating more than 600 stores across Brazil, Argentina, and Uruguay alongside mature digital channels.
That footprint anchors card acceptance, in-app management, and periodic in-store campaigns that improve price and payment terms for regular shoppers.
Two products sit under the umbrella.
- Cartão Renner is a private-label card for group brands and selected partners, with zero annual fee and special installment windows.
- Meu Cartão Renner is an international, contactless credit card issued by Realize CFI on Visa or Mastercard rails, usable everywhere the network is accepted, subject to the issuer’s fees and financing charges.
Cart Options at a Glance
Choosing the right version depends on usage: in-ecosystem spend favors the private-label; mixed or travel spend points to the co-branded card. Terms below summarize the differences confirmed on official pages.
This snapshot highlights where each card works, typical fees, and standout perks that affect daily spending. Confirm installment campaigns at purchase time, since conditions and minimum installment values vary by category and channel.
| Feature | Cartão Renner | Meu Cartão Renner |
| Where it works | Renner, Camicado stores, Ashua, Youcom (physical), and Panvel pharmacies (physical stores) | Any merchant worldwide that accepts Visa or Mastercard, plus Renner brands |
| Annual fee | No annual fee | Annual fee up to R$ 299,88 (or 12× R$ 24,99), with monthly waiver if the statement contains only Renner/Camicado/Ashua purchases and no fees or cash services |
| Typical installments | Apparel up to 5× sem juros; beauty/perfumery up to 10× sem juros; e-commerce rules vary by category | Online Renner up to 7× sem juros; issuer-parcelled purchases may carry interest |
| First-purchase perk | 10% off on the day the card is opened (in-store or app) | 10% off follows Renner campaign rules when used at Renner on approval day |
| App management | Full controls in the Renner app (limits, bills, due dates) | Same app controls; contactless card usable beyond the group |
Everyday Benefits and Discounts
Renner commonly grants 10% off on the first purchase made the same day the card is opened, valid in physical stores or via the Renner app.
Campaigns rotate and may set category-specific installment rules; apparel often runs up to five interest-free installments, while beauty and perfumery can reach ten interest-free installments when minimum per-installment values are met.
Additional cards allow up to 4 dependents without additional cost, simplifying household use.
Acceptance in Physical Panvel Pharmacies
Private-label acceptance extends beyond fashion. Cartão Renner is accepted in physical Panvel pharmacies, expanding practical utility for recurring health and beauty purchases.
Acceptance at Youcom is limited to physical stores, while Renner, Camicado, and Ashua accept both in-store and online.
Interest Rates and Fees
Financing costs on the co-branded card are high relative to everyday retail benefits. Revolving balances and statement parceling carry steep monthly rates and CETs.
Pay in full whenever possible and, within campaign rules, prefer interest-free installments.
| Cost item | Official figures (updated Jul 15, 2025) |
| Annual fee (International “cartão básico”) | Up to R$ 299,88 per year or 12× R$ 24,99, billed once every 12 months and eligible for monthly waiver if the month shows only Renner/Camicado/Ashua purchases and no fees, cash services, or statement parceling |
| Revolving credit (max) | 18,99% a.m. (CET 19,62% a.m. / 784,33% a.a.) |
| Statement parceling (max) | 17,99% a.m. (CET 18,62% a.m. / 698,45% a.a.) |
| Issuer-parcelled purchases (8–10×) | 3,90% a.m. / 58,27% a.a.; CET 4,53% a.m. / 71,43% a.a. |
| Cash services | Withdrawal fee: R$ 16,90 (Brazil) or R$ 14,90 (abroad), plus interest; IOF: 0,0082%/day + 0,38% |
Figures above are taken directly from Realize CFI’s Lista de Serviços / Quadro de Taxas for Meu Cartão, updated July 15, 2025.
Other scheduled charges include an emergency credit evaluation of R$23.90 per event (limited to once every 30 days) and optional SMS alerts at 3,90 per month when contracted.
How to Apply
Enrollment runs in stores or in the Renner app, always subject to credit analysis. Digital approval usually enables immediate virtual use, and store issuance can be instant for physical cards. Keep your CPF and a government photo ID ready.
Apply in a Renner store
Visit any Renner location carrying a photo ID that includes the CPF number. If approved, the plastic can be issued on the spot, enabling same-day shopping and eligibility for first-purchase campaigns.
Apply in the Renner app
Download the Renner app on Android or iOS, open the Cartões menu, and submit the request digitally. Upon approval, a virtual card becomes available immediately for online or in-app purchases, subject to retailer and campaign rules.
Eligibility and Additional Cards
Applicants must meet issuer criteria, including legal age requirements for the primary card.
Up to four supplementary cards can be added for dependents, with published materials indicating dependents from age 16 in some cases; confirm exact age on application because rules may vary by campaign and channel.
Smart Ways to Maximize Savings
Card perks concentrate on day-one discounts and interest-free installments. A few habits keep the total cost low while preserving flexibility across brands and categories.
- Time larger baskets around 10% first-purchase campaigns and published sem juros windows for apparel and perfumery.
- Keep statements fee-only when possible to satisfy the monthly and annual-fee waiver conditions on Meu Cartão Renner. Avoid cash services, late fees, or statement parceling in those months.
- Prefer store installment plans over revolving credit or statement parceling, since CETs on financing are materially higher than promotional installments.
- Use Panvel pharmacies’ acceptance for essential items, consolidating spend within the ecosystem without paying extra annual fees on the private-label card.
- Manage limits, due dates, and boletos inside the Renner app to avoid delays that trigger punitive charges.
Company Context and Store Coverage
Lojas Renner describes itself as a fashion-and-lifestyle ecosystem, connecting customers through digital channels and more than 600 stores across Brazil, Argentina, and Uruguay.
The group includes the flagship Lojas Renner, Camicado stores, Youcom, and Ashua Curve & Plus Size, which sets the acceptance scope for Cartão Renner and underpins frequent campaign activity.
The company’s public materials emphasize omnichannel operations and continuous improvements in store network productivity.
Support and Key Contacts
Realize CFI publishes official contact channels for both card families. Central de Atendimento: 3004 5060 (capitals/metros) and 0800 073 6637 (other locations), 24×7. SAC: 0800 600 6601 (24×7). Ouvidoria: 0800 727 0127 (Mon–Fri, 10:00–16:00).
WhatsApp (cards): +55 51 3921-4004. Negotiation line for pendências: 4004 2900 (Mon–Fri 08:00–21:00; Sat 08:00–20:50).
Issuer corporate details appear on the same page: Realize Crédito, Financiamento e Investimento S.A. (CNPJ 27.351.731/0001-38), Avenida Joaquim Porto Villanova, 401, 5º andar, Torre Sul, Jardim do Salso, CEP 91410-400 – Porto Alegre/RS.
Important Caveats
Campaigns, minimum installment values, and due-date extensions change over time, sometimes by category and channel.
Always check the current Regulamentos for the 10% first-purchase benefit and confirm installment rules in store or in the app before closing an order.
Financing costs on Meu Cartão Renner remain high; revolving balances and statement parceling significantly increase total payment compared with in-store sem juros offers.
Conclusion
Cartão Renner delivers no annual fee, targeted installment windows, acceptance in Panvel pharmacies, and a straightforward way to centralize fashion purchases across Lojas Renner, Camicado stores, Youcom, and Ashua.
Meu Cartão Renner adds worldwide acceptance and network perks through Visa or Mastercard, but requires careful use to avoid expensive financing.
Confirm fees and CET in the latest Realize tables, then apply in the Renner app or at a store using CPF and a photo ID.
