FRAGATA CLUBE CARD
Credit backed by what you already own.
The card comes from the credit desk we already use in our transactions. The limit follows the verified property asset — no income assessment, no branch queue.
Issuance subject to assessment by the partner financial institution. No annual fee while the membership is active.
WHAT THE CARD DOES
Four things, done well.
Limit backed by an asset
The verified property supports the limit. No income proof, no branch queue.
Relationship rate
The same terms we negotiate at the high-end desks of the largest banks.
Your Advisor as concierge
A direct channel, 24 hours, with someone who already knows your home and your schedule.
Access to partners
The club network recognizes the card as a physical membership credential.
TERMS
What changes compared with a high-income card.
The difference is not the metal of the card. It is how the limit is assessed and who answers on the other side.
- Basis of the limit
- Verified property asset, not declared income
- Annual fee
- Waived while the membership is active
- Mortgage lending
- A dedicated desk at Itaú, Bradesco, Santander and BTG
- Service
- Your Private Advisor, 24 hours, no call centre
- Identification
- The Fragata Passport comes with the card
IN THE APP
The card, the credential and the history in one place.
The Club tab holds the virtual card, the seal that proves your membership and the list of where you have used it — revocable in one tap.
- Virtual card available before the plastic arrives
- Sharing approved by Face ID
- Statement and limit followed by the Advisor
THE CARD
Frequently asked questions.
Do I need to be a club member to have the card?
Yes. The card is the physical face of the membership, and the entry criterion is the same — a verified property asset from US$ 1 million.
How is the limit set?
From the asset verified in your Fragata record, with assessment by the issuing institution. No income proof is requested.
Who issues the card?
A partner financial institution, under the Fragata Clube brand. Fragata has no access to your transactions.
Does the card reveal my assets to merchants?
No. Neither the card nor the passport reveals figures, addresses or documents. The partner only sees that you are an active member.
Request your card.
If your membership is already active, issuance takes seven days. If not, we start with the invitation.
The indicators presented are market data and do not represent any projection of loss ratio, approval rate or future performance of Garantia Fragata. Availability, coverage, limits and terms depend on the contracting modality and on the respective terms.
