Banco Inter Prime is a relationship tier, not a status that requires a particular salary: Inter lists three ways to qualify—at least R$150,000 invested, R$7,000 in eligible purchases on each of four consecutive statements, or an annual Duo Gourmet subscription. Its benefits include a no-annual-fee card, Loop points, lounge access, investment advice and dining and travel offers. Which route makes sense depends on what you already hold or spend and which benefits you will actually use.
How to qualify for Inter Prime
Inter lists three qualification routes. The spending and Duo Gourmet routes have additional steps, and its investment wording differs between the Prime landing page and the card-specific help page.
| Route | Published requirement | Important qualification |
|---|---|---|
| Investments | Maintain an investment portfolio starting at R$150,000. | Inter’s card-specific help page describes the eligible range as R$150,000 to R$1 million. The pages do not establish that holdings above R$1 million automatically qualify for this segment. Inter Prime page; card eligibility help |
| Eligible card spending | At least R$7,000 in eligible purchases on each of four consecutive statements. | Each statement must be paid in full by its due date; excluded transactions do not count. Inter spending criteria |
| Duo Gourmet | Subscribe to an annual Duo Gourmet plan. | New subscribers must meet the app’s timing and account requirements; existing annual subscribers are described as upgrading after renewal. Inter Duo Gourmet upgrade help |
Investment route
Inter’s general Prime page advertises a starting portfolio threshold of R$150,000, while the separate card help page states a band of R$150,000 to R$1 million. Because the wording is not identical, treat R$150,000 as the published entry point and confirm eligibility with Inter if your portfolio is above the card page’s stated upper boundary. The pages do not say that a salary declaration alone qualifies someone.
Spending route
The R$7,000 threshold applies to every one of four consecutive statements, not to the four-statement total. Eligible purchases must be paid in full by the due date. Inter excludes fees, bill payments, investment products, cash advances, Loop point purchases, credit Pix, reversals and other specified transactions. Check the current criteria page if a transaction’s eligibility is uncertain.
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Duo Gourmet route
For a new annual subscriber, the subscription must be active, not cancelled, suspended or in a trial period, and an active debit or credit card is required. The app upgrade request becomes available after seven full days of subscription and may take up to seven more days to process. Inter says an existing annual subscriber becomes Prime automatically within 15 days after renewal. Confirm the current app instructions before subscribing solely to qualify.
What the Prime card offers
Inter describes the Prime card as international and without an annual fee. It earns one Loop point per R$2.50 spent on credit purchases. Inter lists redemption options including account cashback, Azul or Smiles miles, dollars and investments; the value of a point depends on the redemption selected, so the earn rate alone does not establish a fixed cash return. Inter Prime card and benefits
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How Prime lounge access works
Prime’s lounge benefit has two distinct parts: unlimited entry to Inter-operated lounges and six annual Priority Pass visits. Six visits are not unlimited Priority Pass access. Inter names its own lounges at Guarulhos, Confins and Curitiba. The benefits page says the Priority Pass visits may be shared with additional cardholders; check current terms for guest rules and participating locations. Inter Prime benefits
Using an Inter-operated lounge
- Generate the required QR code in the Inter app.
- Have an active, valid and unlocked card with online purchases enabled. Inter’s current help page also specifies at least R$50 in available credit.
- Do not plan to enter on arrival: the lounge rules say access is unavailable for arriving passengers.
- Additional Prime cards do not have their own QR code; the additional cardholder must enter with the account holder.
Another current help page says a US$1 amount may appear as a temporary preauthorization and is automatically refunded within seven days. Follow the latest in-app flow and current lounge rules, as these operational details may change. Inter lounge access rules
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Other benefits listed for Prime
Inter’s benefits help page also lists the following. Availability, inventory, redemption steps and other conditions can vary, so check the current offer terms in the app before relying on a perk.
- Investment advice.
- An annual Duo Gourmet subscription.
- Two international eSIMs of 5GB each per year, with one available per semester.
- A chance to redeem tickets in a hospitality box through Seu Jogo Mais Prime.
- US$1 coffee at Inter Café in Miami.
- Free tickets to Orlando City and Orlando Pride games at Inter&Co Stadium.
Inter’s current list of Prime benefits
Which route is worth considering?
Compare the route’s cost or commitment with the value of benefits you expect to use. Do not move investments, manufacture spending or buy a subscription solely for a headline benefit without checking the current eligibility rules and doing the personal math.
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- Already have the qualifying portfolio: The investment route may be the most direct, but verify how Inter applies its stated investment band to your holdings.
- Spend at least R$7,000 monthly on eligible credit purchases: The card-spending route may fit if you can meet the threshold in each statement and pay every bill in full. Spending that earns points is not automatically eligible for the qualification threshold.
- Would use Duo Gourmet anyway: The annual subscription route can be relevant if its dining offering suits you, but account for its subscription terms and the upgrade wait.
- Value lounges most: Estimate your likely use of Inter’s named locations separately from the six annual Priority Pass visits; they are different allowances.
- Value points most: Compare redemption choices available to you rather than treating one point as a fixed amount of cash.
Check current terms before acting
Inter’s official product and help pages describe the advertised thresholds and benefits, but lounge rules, promotional offers and app procedures can change. Verify current eligibility and redemption terms in the app or with Inter before transferring investments, changing spending patterns or subscribing to Duo Gourmet.
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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
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