Nubank Launches Croma, a Paid Mid‑Tier Plan for Customers

Overview

• Nubank announced and began offering Croma on Tuesday, July 28, positioning it as a paid mid‑tier segment for users who centralize their finances with the bank.
• The subscription costs R$39 per month and is waived for customers who spend at least R$4,000 monthly on the card or hold R$30,000 or more in deposits or investments.
• Croma’s benefits include a Mastercard Platinum card with 0.8% cashback or 1 point per US$1.40, 5% cashback on 28 subscription services, a NuCel plan with 10 GB free for six months, 80% coverage of HBO Max, six months of ChatGPT Go, a toll tag and branded investment products advertising roughly 120–130% of the CDI.
• Nubank will offer Croma in the app with an in‑app calculator that estimates net value for each customer, requires an eligibility and credit evaluation for acceptance, and expects full rollout to eligible users by the end of August.
• Nubank says Croma sits between its universal 'roxinho' account and the high‑income 'Ultravioleta' tier and the bank is studying possible refinements to Ultravioleta as it monitors Croma’s take‑up and revenue impact.