PagBank offers various card types to meet different daily needs. You can shop, withdraw, and manage expenses with ease using their app.
Each card serves a unique function, from prepaid use to full credit. Everything is handled digitally, making it accessible to more users. This article helps you choose and apply for the right PagBank card.
Types of PagBank Cards You Can Apply For
PagBank provides different cards designed for specific purposes. Each card has its own advantages, features, and use cases.
Prepaid Card
This card is a good option if you want to control how much you spend. You top it up with the exact amount you need and can only spend what’s loaded.
It is rechargeable, works online and in-store, and allows international purchases. You can use it for subscriptions like Netflix or Spotify.
It costs R$12.90 to issue and doesn’t generate a monthly invoice. Withdrawals can be made at Banco24Horas, Saque e Pague, and Plus ATMs.
PagBank Card (Debit and Credit)
This card functions as both a debit and a credit card with no monthly fees. It works for purchases in Brazil and abroad.
It supports NFC contactless payments and can be used for ATM withdrawals. You can pay in installments and get a monthly invoice.
The card also provides access to exclusive PagBank discounts. It’s ideal if you want one card for all your payment needs.
Account Card
The Account Card uses your PagBank balance without relying on credit. It’s free, has no monthly fees, and is ideal for daily spending.
It supports contactless payments for fast, secure purchases. You won’t get an invoice because it only uses your available funds.
This card is simple to use and easy to manage through the app. It’s great if you prefer strict budget control.
Credit Card
The PagBank Credit Card allows purchases in installments and is managed fully through the app. It comes with no annual or monthly fees.
You can use it online and in physical stores, both locally and internationally. Bills are paid directly from your PagBank balance.
The card supports contactless payments and gives full usage control through the app. It’s a practical option for those who want flexible credit without extra charges.
Key Benefits of Using a PagBank Card
PagBank cards are accepted globally and offer convenience for all types of purchases. You also get exclusive discounts and full app-based control.
International and Local Purchases
All PagBank cards are accepted in Brazil and abroad. You can use them for online and physical store purchases.
- Useful for travel and shopping overseas.
- Works with Visa network.
- Accepted in many platforms and apps.
- Easy to manage with the PagBank app.
- Prepaid, debit, or credit—all support foreign transactions.
- Helps you avoid carrying cash when abroad.
Withdrawals on Global Networks
Need cash? You can withdraw using multiple ATMs.
- Use Banco24Horas and Saque e Pague networks in Brazil.
- International access via the Plus network.
- Works with debit or prepaid mode.
- Safe withdrawal using card PIN.
- Compatible with many ATMs.
- Easy to track withdrawals via the app.
Pay for Subscriptions and Apps
PagBank cards work on major platforms. Set up recurring payments with ease.
- Supports Netflix, Spotify, Uber, and more.
- Helps you keep digital services running smoothly.
- Useful for daily transport, entertainment, and cloud tools.
- Accepted by Google Play and App Store.
- Debit and credit functions work for subscriptions.
- Allows easy cancellation and management through the app.
Use Contactless for Faster Payments
Most PagBank cards support NFC. This allows you to pay quickly.
- Just tap your card on compatible readers.
- No PIN required for small purchases.
- Speeds up checkout in stores and transport.
- Supported on credit, debit, and account cards.
- Safer than using cash.
Works at major retailers and restaurants.
Comparing PagBank Cards: What’s Right for You?
Each PagBank card serves a unique purpose. Compare features before you choose.
| Feature | Prepaid Card | PagBank Card | Account Card | Credit Card |
|---|---|---|---|---|
| Card Fee | R$12.90 | Free | Free | Free |
| Monthly Invoice | No | Yes | No | Yes |
| Installments | No | Yes | No | Yes |
| International Use | Yes | Yes | Yes | Yes |
| Contactless (NFC) | Yes | Yes | Yes | Yes |
| Uses Account Balance | Yes | Yes | Yes | Yes |
| Credit Function | Limited | Yes | No | Yes |
How to Apply for a PagBank Card?
Applying is quick and fully digital. You can do everything through the PagBank app.
Step-By-Step via App
You’ll need a PagBank account before you can request a card. Make sure your info is complete.
- Download the PagBank app from Google Play or App Store.
- Register your account with CPF and your personal details.
- Tap on “Cartões” (Cards) and pick the card you want.
- Follow instructions to finish the application.
- Your card will be delivered after approval.
- Activate and manage the card inside the app.
What Do You Need to Apply?
There are some basic requirements. Make sure to prepare these first.
- Valid Brazilian CPF.
- Smartphone with internet access.
- Proof of identity (RG or CNH).
- Residential address for delivery.
- PagBank account already verified.
- You must live in Brazil.
Interest Rates and Charges
Each card has its own pricing structure. Most are fee-free, except the prepaid card.
Credit Card Interest
The credit card does not charge annual fees. But interest applies to installment delays.
- Monthly interest for late payments may apply.
- Check the app for current APR values.
- No fee to use the card or issue it.
- Pay on time to avoid charges.
- Always review terms before confirming credit.
- No hidden service charges.
Prepaid and Other Cards
The prepaid card costs a one-time R$12.90. Other cards are free.
- No monthly or annual fee on any card.
- No interest on debit or account card transactions.
- Prepaid usage is limited to the loaded balance.
- No maintenance fee for the account card.
- Complete transparency in the PagBank app.
Exclusive Promotions and Offers
You can get special discounts by using PagBank cards. These change regularly.
Where to Find Deals?
Use the app to access promotions. Offers are tailored based on usage.
- Check the promo section inside the PagBank app.
- Some offers are linked to retail partners.
- Includes cashback deals on travel and food.
- Promotions rotate monthly or seasonally.
- Requires using your PagBank card for purchases.
- Helps you save more on everyday spending.
Loyalty and Bonuses
PagBank doesn’t offer a points program. Instead, you get targeted discounts.
- Partner stores may give exclusive pricing.
- No need to collect or redeem points.
- Some deals activate automatically.
- Offers are clearly shown before payment.
- Occasional promo codes may be available.
- You can track savings in your app history.
Card Security and Controls
You manage everything through the PagBank app. It gives you full control.
Manage Usage and Limits
You can manage card usage through the PagBank app anytime. Lock or unlock your card instantly if needed.
Set transaction or withdrawal limits to prevent overspending. Activate purchase alerts to track all spending.
Disable NFC payments when not using them. Review your history in a few taps to stay in control.
App-Based Protection
The PagBank app adds protection through multiple security tools. It requires a biometric login and PIN for access.
You receive real-time alerts if there’s suspicious activity. Two-factor authentication is also available. Every action is tracked and visible inside the app.
Contact PagBank Support
You can contact PagBank through their main service numbers. Use 4003-1775 if you’re in a capital or metro area. For other locations, call 0800-728-2174.
Complaints are handled 24/7 at 3004-4770. The ombudsman is available weekdays via 0800-728-2167.
Why PagBank Cards Are Worth It
PagBank gives you card options for any type of spending. You can control every detail in the app.
With free cards, international support, and installment features, it’s flexible for daily use. It’s easy to apply and even easier to manage.
Disclaimer: Details about cards, fees, and features may change. Always check the official PagBank app or website for updates. This article is for informational purposes only.
