FestCard

What FestCard does

FestCard, legally FEST CLUB ADMINISTRADORA DE CARTÕES DE CRÉDITO LTDA, is a private Brazilian credit card administrator headquartered in São José dos Campos, São Paulo. The company originated as the financial services arm of Grupo OSCAR's retail operations (Oscar Calçados, Jô Calçados) and has operated for nearly two decades as a store-branded credit issuer serving roughly 220,000 cardholders across approximately 125 partner establishments in seven Brazilian states. Its core product is a private-label credit card issued directly at partner retail point-of-sale with instant credit approval, supported by a mobile app on iOS and Android that handles digital billing, PIX/boleto payments, virtual card provisioning, and biometric identity verification through the UNICO (Acesso Digital) infrastructure.

The platform is architected around a single-card, multi-benefit ecosystem spanning financial inclusion and adjacent consumer services. Core credit functionality includes revolving credit at 16.9-18.9% monthly interest and installment financing up to 12x fixed at 7.9% monthly. Layered onto this are: Clube Vai e Volta (R$13.99/month rewards program returning R$16 in vouchers plus streaming access), Vale Saúde Sempre (health benefits with up to 35% pharmacy discounts and R$30,000 monthly prize drawings), OdontoFest (dental plan at R$1.09/day per person through Sempre Odonto), Sancor insurance (credit and theft protection at R$5.99-8.99/month), Clube Fest (240+ e-books), Festflix streaming access, gift cards from major digital brands (Google Play, Xbox, PlayStation, Spotify, Uber, Outback, Zé Delivery), and personal loans of R$200-R$5,000 through correspondent banking with VIACERTA Financiadora. Distribution is hybrid: cards are issued at physical partner stores spanning footwear (Oscar, Jô, Arezzo, Abys, Victor Hugo, Scarlen, Constantino, Adidas), fashion, and lifestyle retail, while digital onboarding, app-based self-service, and partner acquisition are handled through online portals.

FestCard operates primarily under GTM motion of direct-to-consumer issuance at retail point-of-sale combined with mobile self-service. Revenue is generated through multiple streams: interchange and transaction fees from partner merchants, interest on revolving and installment balances, monthly subscription fees for the benefit modules, insurance premiums, and facilitation/origination fees on the VIACERTA personal loan product. The company is regulated under Brazilian credit card administration rules (contract registered at the 2nd Registry of Titles and Documents in São José dos Campos under number 028052), LGPD data protection compliance, SUSEP oversight for insurance products, and Banco Central correspondent banking registration for loan facilitation. FestCard is privately held with no disclosed institutional funding rounds or public listing.

Name

FestCard

Legal name

FEST CLUB ADMINISTRADORA DE CARTÕES DE CRÉDITO LTDA

Website

https://cartaofestcard.com.br

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

11–50 employees

Short description

FestCard is a Brazilian private-label credit card administrator serving ~220,000 cardholders across 125 retail partner locations, originating from Grupo OSCAR footwear chains. It bundles revolving credit with subscriptions in dental, health, insurance, rewards, streaming, and gift cards, distributed through a hybrid in-store and mobile app model.

Ownership category

akta.pro rank

Product category

Store-Branded Consumer Credit Cards

NAICS

Credit Card Issuing (522210)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Private-Label & Store Card Schemes (FSAMAAAE)

akta.pro secondary industry

Rewards & Loyalty Credit Cards (FSAKABAH)

Keywords

• Store-branded credit cards
• Consumer credit services
• Revolving credit financing
• Retail credit administration
• Credit card benefits platform

Headquarters

HQ city

São José dos Campos

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Credit Card Transaction Fees: Interchange and transaction fees collected from partner merchants on every purchase made with the FestCard. The card is accepted at a network of affiliated retail stores including Oscar Calçados, Jô Calçados, Arezzo, Abys, and other partners.
2. Revolving Credit Interest: Monthly interest charges on unpaid balances. Standard rates are 16.9% per month for Oscar and Carioca Calçados cardholders, and 18.9% per month for Abys Calçados. Installment financing (8-12 months) carries 7.9% monthly interest.
3. Vale Saúde Monthly Fees: Monthly subscription fees for health benefit program providing discounted medical consultations, lab tests, imaging exams, and up to 35% pharmacy discounts. Monthly prize drawings of R$30,000 included.
4. OdontoFest Dental Plan Fees: Monthly fees for dental coverage offering 250+ treatments with over 17,000 participating dentists nationwide. Charged at R$1.09 per day per person through the card's billing cycle.
5. Clube Vai e Volta Subscription: Monthly rewards program fee of R$13.99 that returns R$16.00 in vouchers for use at partner stores. Includes Festflix streaming access for 6 months, mobile phone credit bonuses, and eligibility for R$5,000 monthly prize drawings.
6. Sancor Insurance Premiums: Monthly insurance premiums: R$5.99/month for Sancor Prestamista (credit protection, unemployment, disability, death coverage), R$8.99/month for Bolsa Protegida (theft protection, purchase protection). Both include weekly R$2,500 prize drawings via lottery.
7. Personal Loan Facilitation: Facilitation fees from VIACERTA personal loans offered to cardholders. FestCard acts as a correspondent bank for VIACERTA Financiadora, offering installment loans in 24x payable via carnê, with amounts ranging from R$200 to R$5,000.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

FestCard is a private Brazilian credit card administrator (FEST CLUB ADMINISTRADORA DE CARTÕES DE CRÉDITO LTDA) that issues a store-branded credit card accepted at a network of approximately 125 partner retail establishments, primarily footwear and fashion chains affiliated with Grupo OSCAR. Cardholders receive instant credit approval at the point of sale, installment financing up to 12x fixed, and access to a bundled ecosystem of benefits including health coverage (Vale Saúde Sempre), dental plans (OdontoFest), insurance (Sancor), rewards (Clube Vai e Volta), gift cards, streaming access (Fest TV), and personal loans via VIACERTA partner, all managed through a mobile app available on iOS and Android with biometric verification and digital billing.

Product overview

FestCard is a store credit card issued by FEST CLUB Administradora de Cartões de Crédito Ltda, primarily serving customers of Grupo OSCAR retail chain in Brazil. The offering operates as a unified platform combining the core FestCard Credit Card with an integrated ecosystem of benefits modules including Clube Vai e Volta (rewards with vouchers and cell phone bonuses), Vale Saúde Sempre (health benefits with discounted medical services), OdontoFest (dental coverage via Sempre Odonto), Clube Fest (e-book learning platform), Sancor Insurance (credit protection and prize drawings), Gift Cards (voucher marketplace for Google Play, Xbox, Spotify, etc.), and personal loans via VIACERTA partner. The product also includes Fest TV streaming and hotel partnership discounts through National Inn. Customers access all features via a mobile app for iOS and Android with digital card, payment, and biometric security capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• Vale Saúde Sempre: Health benefit program offering medical consultations, laboratory exams, and discounts on medications for FestCard customers.
• OdontoFest
• Clube Vai e Volta
• Clube Fest
• Proteção Premiada
• Gift Cards

Products and services

• Cartão FestCard (FestCard Credit Card) Store-branded credit card issued by FEST CLUB Administradora de Cartões de Crédito Ltda, accepted at partner retail locations primarily in footwear and fashion. Offers instant credit approval at point of sale, installment payments up to 12x fixed, digital invoicing, mobile app management, and access to bundled benefits ecosystem.
• Clube Vai e Volta Monthly rewards program charging R$13.99/month that returns R$16.00 in vouchers for use at partner stores. Includes mobile phone credit bonuses, eligibility for R$5,000 monthly prize drawings, and access to Festflix streaming service.
• Vale Saúde Sempre Health benefit program offering discounted medical consultations from R$60, laboratory tests, imaging exams, and up to 35% pharmacy discounts. Covers holder plus up to 3 dependents at no extra cost, with monthly prize drawings of R$30,000.
• OdontoFest Dental coverage plan priced at R$1.09 per day per person, offering 250+ treatments with 17,000+ participating dentists nationwide. Reduced waiting periods: 24-hour emergency, 30-day radiology/consultations, 60-day prevention, 90-day periodontics/endodontics/surgery, 180-day prosthetics.
• Gift Cards In-app digital gift card purchasing system allowing customers to buy vouchers from major brands (Google Play, Xbox, PlayStation, Uber, Spotify, Outback, Zé Delivery, Tinder, Razer Gold) charged to their FestCard bill, with biometric facial verification for security. Limited to 30% of available card balance.
• Sancor Insurance (Prestamista and Bolsa Protegida) Insurance products including Sancor Prestamista (R$5.99/month) covering loss of employment, permanent disability, death, temporary total disability, and hospital daily for accident/illness up to R$1,000; and Bolsa Protegida (R$8.99/month) covering theft of belongings up to R$1,000 and unauthorized third-party purchases. Both include weekly R$2,500 prize drawings via Loteria Federal. 36-month term with auto-renewal.
• Personal Loan via VIACERTA Personal loan offering from R$200 to R$5,000 with installments up to 24x, facilitated through VIACERTA Financiadora where FestCard serves as correspondent bank. Funds released within 48 hours with no upfront fees and personalized interest rates by credit profile.
• Clube Fest Digital learning platform with over 240 e-books covering personal and professional development topics. Customers receive 1 coin per paid FestCard invoice that can be exchanged for any e-book in the library.
• Nacional Inn Hotel Partnership Hotel accommodation discount program providing 20% off internal rates at Nacional Inn hotel group (81+ properties, 9 Brazilian states, including brands Nacional Inn, Dan Inn, Golden Park, Hotel Vilage Inn, Euro Suite). Purchases above R$2,000 can be split in up to 10 installments.

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Nacional Inn HotelscoreGTM or Marketing PartnerNacional Inn Hotel Group offers exclusive 20% discount on internal rates for FestCard customers across 81+ properties in 9 Brazilian states. Includes brands: Nacional Inn, Dan Inn, Golden Park, Hotel Vilage Inn, Euro Suite, and others. Founded in 1970, present in major cities including São Paulo, Rio de Janeiro, Belo Horizonte, Curitiba, Porto Alegre, Recife, and others.
• Sempre OdontocoreStrategic or Co-development PartnerDental plan provider offering OdontoFest exclusive product to FestCard customers. Coverage includes 250+ treatments with 17,000+ dentists nationwide. Plan priced at R$1.09/day with minimal waiting periods (24-hour emergency, 30-day consultations).
• Sancor SeguroscoreStrategic or Co-development PartnerInsurance provider offering Prestamista (R$5.99/month) and Bolsa Protegida (R$8.99/month) insurance products exclusively to FestCard customers. Both include weekly R$2,500 prize drawings via Loteria Federal. Additional products include Hospital Daily and Capitalization Title.
• Vale Saúde SemprecoreStrategic or Co-development PartnerHealth benefit program offering discounted medical consultations, 3,000+ lab tests and imaging exams, and up to 35% pharmacy discounts. Supports up to 3 dependents at no extra cost. Includes monthly R$30,000 prize drawings.
• VIACERTA FinanciadoracoreChannel Partner/ Reseller/ DistributorPersonal loan provider specializing in micro-credit for individuals. FestCard serves as correspondent bank for VIACERTA, offering loans from R$200 to R$5,000 in up to 24 installments. Funds released within 48 hours. VIACERTA is registered with Banco Central under CNPJ 05.192.316/0001-46.
• CAPEMISA CapitalizaçãominorOthersIssues capitalization titles linked to Sancor insurance products, enabling weekly R$2,500 prize drawings through Loteria Federal. Regulated by SUSEP under process 15414.613657/2024-22.
• Google Play, Xbox, PlayStation, Uber, Spotify, Outback (Gift Card Partners)minorGTM or Marketing PartnerGift card issuers integrated into FestCard app for instant purchase. Includes Google Play, Xbox, PlayStation, Uber, Spotify, Outback, Zé Delivery, Razer Gold, Tinder, and others. Customers purchase vouchers using card balance (up to 30% of limit) with biometric verification.
• Clube Vai e Volta Reward PartnersminorGTM or Marketing PartnerExtensive network of reward partners including Uber (R$15 bonus), Bob's (R$6-R$16), Americanas, 99 Food, McDonald's, Chef's Club, Camicado, Giuliana Flores, EduK, Livelo, Petz, and others. Vouchers delivered via SMS with 30-day redemption validity.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Riachuelo / Midway Financeira: Apparel-focused Brazilian retailer with an integrated private-label credit card and consumer finance arm (Midway). Highly comparable business model combining retail distribution with branded revolving credit and subscription add-ons.
• Havan (Cartão Havan): Brazilian big-box retailer issuing its own private-label store credit card with bundled benefits and installment financing. Closely mirrors FestCard's retail-anchored card model targeting working- and middle-class Brazilian consumers.
• C&A Brasil (C&A Pay): Brazilian fashion retail arm of C&A with its own branded payment/credit offering. Competes for footwear-adjacent store-card origination in shopping malls and regional retail clusters.
• Lojas Renner (Cartão Renner): Brazil's largest fashion retail chain operating its own private-label credit card program. Direct competitor in the Brazilian store-credit-card segment serving middle-class consumers through a multi-vertical retail footprint and bundled benefits.
• Magazine Luiza (MagaluPay / MagaluCard): Major Brazilian multi-category retailer with its own MagaluPay digital account and MagaluCard credit card. Competes with FestCard for in-store origination of branded consumer credit, especially in regional retail clusters.

Broad incumbents

• Nubank: Brazil's largest digital bank and credit card issuer, publicly listed at multi-billion-dollar scale. Targets the same underbanked Brazilian consumer segment with low-fee revolving credit, but does not rely on in-store retail origination.
• Banco BV: Brazilian retail-focused bank issuing credit cards and consumer finance products to middle-income Brazilians. Comparable in targeting mass-market Brazilian revolving-credit customers with bundled benefits and partner-retail distribution.
• Banco PAN: Brazilian mid-size bank specializing in consumer credit, credit cards and payroll-linked lending. Closest large-cap analog in business model (mass-market consumer revolving credit) but operating at materially larger scale.
• Banco Inter: Brazilian digital bank offering consumer credit cards, accounts and benefits bundles. Competes for the same working-class digital consumer with a fully digital onboarding and benefits-led positioning.
• C6 Bank: Brazilian digital bank (JPMorgan-backed) issuing consumer credit cards with rewards/benefits programs. Targets affluent and emerging-middle Brazilian consumers with subscription-style benefit stacks similar to FestCard's Clube Vai e Volta model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/cartaofestcard
• YouTubeinstagram.com/festcard
• Facebookfacebook.com/cartaofestcard
• LinkedInlinkedin.com/company/festcard
• Instagraminstagram.com/festcard

Compliance1 record

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 FestCard