Cartão Mais Amigo

What Cartão Mais Amigo does

Cartão Mais Amigo (legal entity: CS SAÚDE ADMINISTRADORA DE CARTÃO DE DESCONTO LTDA) is a Brazilian subscription-based discount membership card operator headquartered in Serra, Espírito Santo. The company sells a single recurring membership product — the Cartão Mais Amigo card — for R$ 32.32 per month plus a R$ 25.00 one-time adhesion fee, with a 12-month minimum term and automatic renewal. The card grants members and their dependents (spouse, children up to 28 years old, invalid children of any age, and parents) access to a partner network spanning healthcare (more than 40 medical specialties, laboratory exams, imaging, pharmacy, and full dental treatment), education (technical courses and universities), and leisure (gyms and aesthetics), with advertised savings of up to 70%. Crucially, the product is not a health insurance plan or credit card; there is no waiting period (carência), no usage cap, and payments are made directly by the member to the partner at the point of service. The company does not describe any proprietary technology platform, mobile app, or digital infrastructure in the available material.

The go-to-market is direct-to-consumer with a hybrid individual and corporate channel. Individual subscriptions are acquired through a self-serve website checkout, WhatsApp, telephone, email, and in-person sign-ups at the Serra/ES headquarters, where adhesion fees are paid in cash. Monthly fees can be collected via the EDP energy bill (a distinctive payment rail that broadens accessibility to lower-income and unbanked households), annual bank slip, or credit card. A secondary B2B channel targets Espírito Santo-based employers that offer the card as a low-cost employee benefit, providing members access to the same partner network. The service is exclusively available in the State of Espírito Santo, with operations initially concentrated in the Greater Vitória Metropolitan Region and expanded coverage across the state through the partner network.

The business model is recurring subscription revenue, with the additional possibility of transaction-linked economics across the partner network as members pay discounted rates directly to partners. Pricing is publicly disclosed on the website, contract terms include a 10% cancellation penalty on the total contract value after the 7-day right of withdrawal, and annual price adjustments are tied to the IGP-M index in January. The company is privately held with no evidence of venture capital, private equity, or institutional backing in the source material, and operates with a lean team of approximately 6 employees. Distribution relies on organic digital channels (website, Facebook, Instagram) and direct consumer contact rather than paid advertising.

Name

Cartão Mais Amigo

Legal name

CS SAÚDE ADMINISTRADORA DE CARTÃO DE DESCONTO LTDA

Website

https://cartaomaisamigo.com.br

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Cartão Mais Amigo operates a subscription-based discount membership card in the State of Espírito Santo, Brazil, granting families access to a partner network of healthcare, pharmacy, dental, education, and leisure providers at up to 70% savings for R$ 32.32 per month.

Ownership category

akta.pro rank

Headquarters

HQ city

Serra

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Monthly Membership Subscription: Recurring monthly membership fee of R$ 32.32 charged via energy bill debit (EDP), annual bank slip, or credit card. There is also a one-time adhesion fee of R$ 25.00. The contract has a minimum 12-month term with automatic renewal. The company also generates revenue through transaction volume across its partner network, as members pay partners directly at discounted rates.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Cartão Mais Amigo sells a subscription-based discount membership card that gives individuals and families immediate access (no waiting period) to a partner network of healthcare providers, pharmacies, dental clinics, imaging centers, gyms, technical schools, and universities across the State of Espírito Santo, Brazil, with discounts of up to 70%. The card is paid via monthly subscription (R$ 32.32) plus a one-time adhesion fee (R$ 25.00), and dependents—spouse, children up to 28, and parents—are included at no additional cost.

Product overview

Cartão Mais Amigo is a single discount membership card offering that provides access to a diversified network of partner establishments across three main categories: healthcare (consultations, laboratory tests, imaging exams, pharmacy, and dental services across 40+ medical specialties), education (technical courses and colleges), and leisure (gyms and aesthetics). Members pay a monthly fee of R$ 32.32 plus a R$ 25.00 enrollment fee, with no waiting period for service utilization. The core product can be extended to family dependents (spouse, children up to 28 years, and parents) at no additional charge. The service operates exclusively within the state of Espírito Santo, Brazil.

Differentiator

Problem solved

Functional benefit

Products and services

• Cartão Mais Amigo Discount Membership Card

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered core and minor.

• Grau TécnicocoreChannel Partner/ Reseller/ DistributorEducation partner offering technical courses to Cartão Mais Amigo members at discounted rates. Part of the education category of benefits under the card program.
• Imperium AcademiacoreChannel Partner/ Reseller/ DistributorEducation institution partner providing courses to members. Listed under the education benefit category alongside Grau Técnico and universities.
• Espaço TerapiacoreChannel Partner/ Reseller/ DistributorTherapy and wellness partner providing health-related services to members through the partner network.
• Odonto Amigo (Própria)coreChannel Partner/ Reseller/ DistributorIn-house or affiliated dental care brand offering full dental treatment to card members, covering consultations, procedures, and dental care.
• Policlínica do AmigocoreChannel Partner/ Reseller/ DistributorPolyclinic partner providing access to multiple medical specialties and exams to card members in the healthcare network.
• TommasicoreChannel Partner/ Reseller/ DistributorHealthcare/medical services partner integrated into the Cartão Mais Amigo partner network, providing consultations and medical services to members.
• Drogarias PachecocoreChannel Partner/ Reseller/ DistributorPharmacy chain partner offering discounted medications to Cartão Mais Amigo members as part of the health and pharmacy benefit category.
• Farmácia IndianacoreChannel Partner/ Reseller/ DistributorPharmacy partner providing medication discounts to card members, operating alongside other pharmacy partners in the network.
• Farmácia MônicacoreChannel Partner/ Reseller/ DistributorPharmacy partner integrated into the discount network, offering medication price benefits to card holders.
• Nobre Proteção VeicularminorChannel Partner/ Reseller/ DistributorVehicle protection plan partner accessible to Cartão Mais Amigo members, extending beyond the core healthcare and education offerings.
• MultimagemcoreChannel Partner/ Reseller/ DistributorMedical imaging partner providing diagnostic imaging services (X-ray, ultrasound, etc.) to card members as part of the healthcare network.
• Cremasco MedicinacoreChannel Partner/ Reseller/ DistributorHealthcare/medical services partner offering medical services within the card's partner network.
• Clínica São IsabelcoreChannel Partner/ Reseller/ DistributorMedical clinic partner providing healthcare services to Cartão Mais Amigo members within the partner network.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Plena Saúde: Brazilian regional health plan operator offering affordable healthcare plans and provider networks to consumers. Comparable as an affordable, subscription-based access model for healthcare services in specific Brazilian regions, overlapping with Cartão Mais Amigo's target customer.
• Vidalink: Brazilian corporate benefits and employee discount platform connecting employees to healthcare, wellness and lifestyle service discounts. Comparable to Cartão Mais Amigo's B2B employee benefit motion, with a national platform approach versus Cartão Mais Amigo's regional direct-to-consumer focus.

Broad incumbents

• Amil: Major Brazilian health insurance and provider company offering plans across individual, family and corporate segments. Overlaps with Cartão Mais Amigo's corporate employee benefit channel and consumer health-access use cases, but as a regulated insurer rather than a discount card.
• Golden Cross: Established Brazilian health plan operator offering individual, family and corporate health plans nationwide. Comparable as an alternative low-cost route to private healthcare for Brazilian consumers and as a competitor for Cartão Mais Amigo's corporate benefit channel.
• Hapvida NotreDame Intermédicas: Large Brazilian health plan operator with owned clinics, hospitals and labs providing affordable healthcare to mass-market consumers. Competes with Cartão Mais Amigo for the same uninsured price-sensitive demographic, but with a vertically integrated, capital-intensive model.
• Unimed: Brazilian cooperative health plan system offering private health insurance and provider services nationwide, including a strong presence in Espírito Santo. Comparable as an alternative affordable healthcare access option for the same consumers targeted by Cartão Mais Amigo, though via insurance rather than a discount membership.

Direct peers

• Dr. Consulta: Brazilian low-cost healthcare provider network offering consultations, exams and procedures at fixed affordable prices. Comparable to Cartão Mais Amigo's value proposition of providing predictable, discounted access to private healthcare for uninsured or underinsured consumers in Brazil.
• Odontoprev: Brazil's largest dental plan operator with a network model offering access to dental services via subscription. Directly comparable to the Odonto Amigo dental offering within Cartão Mais Amigo's network and serves the same price-sensitive consumer base across Brazil.
• Cartão de Todos: Brazilian discount-card subscription program offering members reduced rates on healthcare, education and lifestyle services across multiple states. Closest comparable to Cartão Mais Amigo in business model, target customer, and value proposition, with the main difference being national reach vs. Cartão Mais Amigo's single-state focus.

Regional players

• São Bernardo Saúde: Regional health plan operator based in and focused on the State of Espírito Santo. Competes for the same Espírito Santo consumer market as Cartão Mais Amigo and offers an alternative route to affordable healthcare access in the same geography.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/cartaomaisamigo
• Facebookfacebook.com/cartaomaisamigo
• LinkedInlinkedin.com/company/cart%C3%A3o-mais-amigo

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cartão Mais Amigo