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Mastercard2/4 on file
✓ Annual fee checked
Universo, IME, S.A. · Mastercard

Cartão Universo (legacy name)

Cash BackNo Annual FeeRewards

The Cartão Universo (legacy name) is a Mastercard from Universo, IME, S.A. with an annual fee of €0. Here is what we hold on it, and what we do not.

Annual fee€0per yearChecked clientebancario.bportugal.pt
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Opens Universo, IME, S.A.’s site
Ledger entry

The receipt

Every cost line we hold for the Cartão Universo (legacy name), exactly as recorded.

Annual fee
€0Checked clientebancario.bportugal.pt
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
Not confirmed
Income requirement
Not confirmed
Network
Mastercard
Credit needed
Not confirmed
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Cartão Universo (legacy name). That may mean there isn’t one, or simply that we have not recorded it — Universo, IME, S.A.’s own page is the place to check.

We couldn't verify this · check with the issuer
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Cartão Universo (legacy name). Rather than print a multiplier we cannot source, this stays blank until Universo, IME, S.A.’s own terms give us one.

We couldn't verify this · check with the issuer
Next step

Ready to apply for the Cartão Universo (legacy name)?

You'll finish the application on Universo, IME, S.A.'s own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Universo, IME, S.A.’s site
Questions

Questions about the Cartão Universo (legacy name)

How much is the Cartão Universo (legacy name) annual fee?

The Cartão Universo (legacy name) has an annual fee of €0. Weigh that against the rewards and perks you will actually use.

What does the Cartão Universo (legacy name) earn?

We could not verify the Cartão Universo (legacy name)'s earn rates, so we do not print a multiplier. Check them on Universo, IME, S.A.'s own site.

What network is the Cartão Universo (legacy name) on?

The Cartão Universo (legacy name) runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the Cartão Universo (legacy name) available in Portugal?

Yes — the Cartão Universo (legacy name) is issued by Universo, IME, S.A. and is available to eligible applicants in Portugal. Approval depends on the issuer's own credit and income criteria.

When were the Cartão Universo (legacy name) figures last checked?

We checked its annual fee in September 2026, against a published document. We could not verify, so we do not print: foreign transaction fee, earn rates and welcome offer. Check them with Universo, IME, S.A.. Terms can change without notice, so confirm the current details with Universo, IME, S.A. before you apply.