Applying for a Banco PAN credit card is a convenient and straightforward process for Brazilians. This digital bank offers accessible options with no annual fees, cashback, and an easy application process.
Whether you’re new to credit or looking to manage spending better, PAN Cards offer flexibility and rewards. Here’s everything you need to know to get started today.
What Is the PAN Card?
Banco PAN issues credit cards that can be used across Brazil and internationally. These cards are tied to digital banking services and are managed entirely online.
You don’t need to visit a branch, and the approval process is quick. With different versions of the card, it suits a wide range of financial profiles.
These cards offer more than just credit access. You can enjoy control over your expenses, cashback, and exclusive offers.
PAN Cards can be used with Google Pay and Samsung Pay for contactless payments. The digital card is available immediately after approval.
Types of Banco PAN Credit Cards
Banco PAN offers several card types suited to various needs. Each one comes with distinct benefits, spending limits, and eligibility criteria.
Choosing the right card helps you avoid unnecessary fees. Select the one that matches your financial habits.
- PAN Internacional: No annual fee, basic usage
- PAN Gold: Mid-tier benefits, includes insurance
- PAN Platinum: Travel benefits, higher limit
- PAN Consignado: For INSS or government employees, lower interest
- PAN Básico: Simple credit card for everyday purchases
Key Benefits of PAN Cards
Banco PAN cards provide essential digital tools for managing money. They also come with reward systems and discount programs.
This is ideal for users who want modern control over their finances. Everything is done from your phone.
- Cashback through PAN Mais
- Full spending control in the PAN app
- Contactless payments via NFC
- No annual fee on PAN Internacional
- Discounts at selected partners and stores
- Virtual cards for secure online shopping
Who Can Apply
Banco PAN credit cards are available to Brazilian residents over 18. Applicants must have a CPF and a valid address in Brazil.
Your income and credit score will determine your eligibility. Certain cards are more flexible than others.
The PAN Consignado card is available even if your credit score is low. This is due to the automatic deduction from your salary or pension.
Other cards require a stable financial profile. Your application may be denied if you have pending debts in SPC or Serasa.
Documents Required
To apply for a PAN Card, you need to upload clear digital copies of key documents. Make sure these documents are current and readable.
Your data will be reviewed during the credit check. Incomplete or blurry files will delay your approval.
- CPF number (Cadastro de Pessoa Física)
- Valid photo ID (RG or CNH)
- Proof of address (utility bill, lease contract, etc.)
- Proof of income (optional but recommended for better offers)
How to Apply Online via Website
The easiest way to request a PAN Card is through the official website. The whole process takes about 10 minutes if you have your documents ready. No physical visit or paperwork is needed. You’ll receive updates by email.
- Visit bancopan.com.br
- Click “Pedir Cartão” and select your card type
- Enter CPF and personal information
- Upload your documents and submit the form
- Wait for the analysis (up to 5 working days)
- If approved, receive your card by mail
How to Apply via the Banco PAN App?
You can also use the mobile app to apply for your PAN Card. This method is faster and more user-friendly. It allows for real-time tracking and notifications. Make sure your phone is connected to the internet.
- Download Banco PAN from Google Play or App Store
- Create an account using your CPF
- Choose your desired card and tap “Solicitar.”
- Fill out the form and upload documents using your camera
- Confirm and wait for credit review
- Track your application status through the app
Interest Rates and Fees
Banco PAN cards may have interest rates if invoices aren’t paid in full. Always read the terms before using your credit.
PAN Internacional has no annual fee, making it ideal for first-time users. Other cards may charge based on services used.
- Rotating interest: Up to 19.9% per month
- Installment interest: Varies based on profile
- Late payment fees: Charged if deadlines are missed
- Consignado card: Lower rates due to payroll deduction
How to Track Your Application
After applying, you can track your request through the app or site. Updates include approval, card shipment, or any issues with your documents.
Having your CPF and login details makes it easier. You’ll get notified when your card is ready.
- Log in to the Banco PAN app
- Go to “Meus Produtos”
- Click on “Cartões”
- Check your application status anytime
Customer Support and Contact Information
Banco PAN provides multiple support channels. You can call, use WhatsApp, or email for help.
Their website also has a full FAQ section. Use these if your card is delayed or your app isn’t working.
- Website: www.bancopan.com.br
- SAC (Customer Service): 0800-776-8000
- Ouvidoria (Ombudsman): 0800-776-9595
- WhatsApp: (11) 4002-7799
Tips Before Applying
It’s smart to check your credit score before submitting your application. This helps you choose the right card type.
Update your documents to avoid delays. Read reviews or terms to better understand what you’re signing up for.
- Check your Serasa score for free online
- Avoid multiple applications in a short time
- Make sure your email and phone number are correct
- Use the consigned card if you’re retired or a government worker
How to Use the PAN Card Wisely
A credit card is a useful tool if managed properly. Pay your bill in full every month to avoid high interest.
Monitor your spending using the PAN app. Use rewards and points before they expire.
- Always pay your total invoice
- Avoid cash withdrawals from ATMs
- Use virtual cards for safer online purchases
- Redeem points in the PAN Mais program
Comparison With Other Digital Cards in Brazil
Banco PAN cards stand out for their no-fee options and consigned card. Compared to Nubank or C6, PAN targets a broader range of users.
You can get approval even with moderate credit. Each bank has its perks, so compare wisely.
| Feature | PAN Internacional | Nubank | C6 Bank |
|---|---|---|---|
| Annual Fee | R$ 0 | R$ 0 | R$ 0 |
| Cashback Program | Yes (PAN Mais) | Limited | Yes |
| Consigned Option | Yes | No | No |
| Digital App Management | Full | Full | Full |
| Approval Flexibility | Moderate | Strict | Moderate |
Pros and Cons
Every card has strengths and weaknesses. Banco PAN is best for people who want easy approval and no annual fee. But like any card, it comes with responsibility. Consider your habits before applying.
Pros:
- No annual fee
- Cashback and points
- Virtual and contactless payments
- Easy digital management
Cons:
- High interest if unpaid
- Credit analysis required
- Fewer premium travel perks
Start Your Application With Confidence
Banco PAN makes it easy to get your credit card online. With no paperwork, flexible options, and a fast process, it’s a smart choice for Brazilians.
From digital tools to cashback, the benefits make it worth applying. Make sure your data is correct, then apply today.
Disclaimer: This information is subject to change without prior notice. For the most updated terms, always refer to www.bancopan.com.br. This article does not offer financial advice and is for informational purposes only.
