The Riachuelo Card lets you enjoy exclusive discounts and flexible payment options at one of Brazil’s top fashion retailers.
It offers practical credit solutions that make shopping easier both in-store and online.
If you want more control over your spending and access to special promotions, this card is a smart choice for you.
What Is the Riachuelo Card?
The Riachuelo Card is a store credit card designed to make your shopping experience easier and more rewarding.
It gives you access to flexible payments, discounts, and exclusive promotions directly from Riachuelo.
- Issued by Midway Financeira, the financial arm of Grupo Guararapes, which owns Riachuelo.
- Available in two versions: Private Label (use only at Riachuelo) and Riachuelo Mastercard (accepted anywhere Mastercard is valid).
- Offers installment payment options for purchases in physical and online stores.
- Lets you choose your preferred due date for monthly statements.
- Provides exclusive discounts, seasonal offers, and early access to special collections.
- You can manage the card through the Riachuelo app, checking invoices, limits, and promotions anytime.
- This product is designed for customers who want convenient credit use without losing control of their spending.
Main Benefits of the Riachuelo Card
The Riachuelo Card offers several advantages that make your purchases more convenient and affordable.
You can save money, enjoy flexibility, and manage your expenses easily using the card and its digital tools.
- Exclusive Discounts: Access special promotions and lower prices on clothing, accessories, and seasonal collections.
- Flexible Payments: Choose installment plans and due dates that fit your budget, with interest-free options on selected items.
- Early Access to Sales: Get notified about upcoming Riachuelo sales and new collections before others.
- App Management: Use the Riachuelo app to track purchases, check limits, and download invoices anytime.
- Multiple Payment Options: Pay your bill in stores, online, or through the app for added convenience.
- Supplementary Cards: Request extra cards for family members under the same account limit.
- Special Birthday Offers: Receive exclusive discounts and gifts during your birthday month.
- Partner Benefits (Mastercard version): Enjoy deals through Mastercard Surpreenda and other partner promotions.
How to Apply for the Riachuelo Card
Getting your Riachuelo Card is fast and convenient. You can apply online, through the app, or in any Riachuelo store with just a few documents.
- Step 1 – Choose your method: Apply through the official website, Riachuelo app, or directly at a Riachuelo store.
- Step 2 – Fill out the form: Enter your full name, CPF, phone number, address, and income information.
- Step 3 – Submit required documents: Provide an official ID, CPF, and proof of income or residence.
- Step 4 – Wait for credit analysis: Riachuelo reviews your information to determine card approval and limit.
- Step 5 – Receive your card: Approved applicants get their card by mail or in-store pickup.
- Step 6 – Activate and start using: Activate the card through the Riachuelo app or customer service, and start shopping immediately.
Interest Rates and Fees
Knowing the interest rates and fees is essential before using your Riachuelo Card.
These costs affect how much you really pay if you miss a due date or use credit beyond the grace period.
- Annual rate: Up to 884% a.a. for revolving credit on the Private Label version
- Monthly rate for late payments (juros de mora): 1.0% per month
- Default/fine (multa) for late payment: 2% of the amount owed
- Regular interest (revolving / installment finance): 13.9% per month in many cases
- Parcelamento (installment of invoice): charges apply; up to 13.9% per month (Custo Efetivo Total high)
- Second‐card issuance (2ª via): R$ 8.00
- Anuidade (for cards with brand): 12 × R$14.80
- No monthly maintenance (Private Label version): no monthly fee
Rewards and Partner Program
The card links you to rewards and discounts through partner networks.
If your card is the Mastercard version, you unlock even more benefits via brand programs and promotions.
- Partner discounts: Up to 40% off at selected partner stores when using the Riachuelo Mastercard.
- Mastercard Surpreenda: Eligible cardholders can participate in the Surpreenda program to earn and redeem points for partner offers.
- Brand partners: Includes Pague Menos, Extrafarma, Casas Bahia, Natura, Netshoes, Gocase, and more.
- Promotional campaigns: Exclusive seasonal deals and bonus offers only for card users via partners.
- Bonus programs (Vale Bonus): Some partners tie into Vale Bonus, letting you use points or credits toward part of your purchase.
Security and Fraud Protection
Your card includes multiple layers of protection against fraud. These tools help keep your data and transactions safe every time you use your card.
- Biometric Verification: Use facial or fingerprint checks for online purchases when needed.
- Fraud Detection Tools: Visa and Cybersource monitor all transactions for suspicious activity.
- Privacy Controls: Midway manages and encrypts personal data for security and compliance.
- Fraud Reporting Channel: Report any irregularities through Riachuelo’s official complaint portal.
- Transaction Alerts: Get instant notifications for unusual or high-value purchases.
- Data Encryption: All customer information is stored securely to prevent unauthorized access.
- User Guidance: Keep your PIN private and report lost or stolen cards immediately.
Customer Support Channels
If you have issues, questions, or need help with your Riachuelo Card, these are the official ways to contact support.
Use the method that’s most convenient for you.
- Phone (call center): Capitals and metro areas – 3003-7729 | Other regions – 0800-664-3929
- SAC (Consumer Service): 0800-724-3929
- Ombudsman: 0800-727-3255 (available Mon–Fri, 10 am to 4 pm)
- Midway portal/website support: via Midway’s “Atendimento” page
- App / Email: Contact via Midway app listing or email [email protected]
- In-store support: Speak to staff at any Riachuelo store or service desk when visiting.
To Conclude
The Riachuelo Card gives you discounts, flexible payments, and easy access to exclusive offers in stores and online.
It’s a practical choice if you want convenience and control over your shopping.
Apply today through the official website or the Midway app and start enjoying all the benefits right away.
Disclaimer
Card terms, rates, and benefits may change according to Riachuelo and Midway’s current policies.
Always review the latest information on the official Riachuelo or Midway website before applying or using your card.
