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Meliuz review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Meliuz suits Brazilian shoppers who want a credit card that costs nothing to hold and pays cashback on everyday online spending. The annual fee is BRL 0, rewards are cashback, and the card runs on Mastercard Platinum. It is a home market product, so most of Europe will look elsewhere.

Key facts

Best for
A fee free credit card in Brazil with cashback on online purchases and travel perks.
Annual fee
R$0↗
Rewards type
Cashback↗
Rewards rate
Up to 2% cashback on all online purchases started through Meliuz↗
Perks
Mastercard Platinum travel insurance, MasterSeguros car insurance, Corkage fee waiver, Priceless Cities, Concierge service, Physical and virtual card, No magnetic stripe, Google Pay compatible↗
Cashback rate
2%↗
Card kind
Credit↗
Legal entity
MELIUZ S.A.↗
Headquarters
Brazil↗
Founded
2011↗
Support channels
Chat, Phone, Help-centre↗
Pricing model
No annual fee
Features
Rewards
Official website
meliuz.com.br

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataLinkedInX

Pros and cons

Pros

  • Annual fee of BRL 0, so there is no yearly charge to carry the card
  • Cashback of 2% on online purchases started through Meliuz, with rewards of the cashback type
  • Perks including Mastercard Platinum travel insurance, MasterSeguros car insurance, a corkage fee waiver, Priceless Cities and a concierge service
  • Support runs on chat, phone and help centre, so help is reachable by phone and chat as well as a help centre

Cons

  • Cashback is tied to online purchases started through Meliuz, so spending elsewhere earns less
  • The card is a credit card from MELIUZ S.A., licensed by Banco Central do Brasil in Brazil, so it serves the Brazilian market rather than European spending
  • Help centres and chat carry the load, with no branch or in person option listed on chat, phone and help centre
Meliuz

Ready to try Meliuz?

Scored 9.1 / 10 by SumCue.

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Who it suits

  • Brazilian adults who shop mainly online and want cashback routed back
  • Anyone who values travel extras such as a corkage fee waiver and a concierge service
  • Card holders who prefer a virtual card for online spending

Who should look elsewhere

  • Anyone outside Brazil who needs a card usable across Europe, where Wise or bunq cover more markets
  • People who want a debit card rather than a credit card
  • Spending that happens mostly in physical shops and is not routed through Meliuz

The company behind it

Meliuz is run by MELIUZ S.A., headquartered in Brazil and founded in 2011. The card itself is a credit card with an annual fee of BRL 0. Cardholders can order both a physical and a virtual version, and the physical card carries no magnetic stripe and works with Google Pay. It is regulated by Banco Central do Brasil, so the account sits inside the Brazilian system rather than a European one.

How Meliuz compares

Where Meliuz is available

Available
Brazil
Licence in Brazil
Banco Central do Brasil, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the Meliuz card cost to hold?+

The annual fee is BRL 0, and the card is listed under a no annual fee model, so there is no yearly charge for keeping it. That makes it cheaper to hold than many cards that tie a fee to travel perks or metal construction.

How do the cashback rewards work?+

Rewards are paid as cashback of 2% on all online purchases started through Meliuz. The rewards type is listed as cashback, and the rate applies to purchases routed through Meliuz rather than every transaction on the card.

What extras come with the card?+

Perks include Mastercard Platinum travel insurance, MasterSeguros car insurance, a corkage fee waiver, Priceless Cities and a concierge service. Cardholders can also choose a physical and a virtual card, and the physical version has no magnetic stripe and is Google Pay compatible.

Who regulates Meliuz?+

Meliuz operates under Banco Central do Brasil, and the card is issued in Brazil. The legal entity is MELIUZ S.A., so the product is built around Brazilian rules and Brazilian spending habits.

How can I get help with the card?+

Support runs on chat, phone and help centre, meaning you can reach the team by chat, by phone or through a help centre. There is no branch listed in the same set, so most contact happens remotely.

Is this a credit card or a debit card?+

It is a credit card, which means it draws on a line of credit rather than day to day account balance. A debit card works differently, spending only what you hold.

Can I use the card straight away for online shopping?+

A virtual card is available alongside the physical one, which suits online spending from the start. The physical card has no magnetic stripe and is Google Pay compatible, so it works for contactless and mobile payments.

Is the card useful outside Brazil?+

The card is built for a single market, since it is issued by MELIUZ S.A. under Banco Central do Brasil in Brazil. Travellers who need a card accepted widely across Europe may find a multi market option such as Wise or bunq a better fit.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Currency conversion fee.

Meliuz

Meliuz

A fee free credit card in Brazil with cashback on online purchases and travel perks.

9.1/10See alternatives