For some time now, people have been concerned about switching from cash to other, simpler payment methods. Three key factors have driven this shift: convenience, security, and control. In this post, we'll show you the advantages and benefits of having a PagBank credit card.
Carrying cash isn't a good idea, so solutions like checks and cards have emerged. Checks are increasingly falling out of use, but cards remain the primary substitute for paper bills.
We recognize the importance of good payment solutions, so much so that many of our products are specifically designed to make our customers' daily lives easier and to follow key market trends to make their purchases and sales more dynamic.
With the practical side of things in mind, we went beyond products like card machines and PagBank Link and also developed PagBank cards. These three solutions were created by our team to help those who want to control their money and use it conveniently and securely.
Do you know the differences between a debit card, a prepaid card, and a PagBank credit card? In today's post, you'll learn all the details and benefits of each.
How does the Pagbank credit card work?
This is PagBank's standard digital account card. It allows you to use your account balance to make purchases, withdraw funds, and pay for services without having to top up the funds. Purchases and withdrawals are deducted from your account balance locally, and the limit is exactly the same as your PagBank account.
The account card is free and international, so you can use it to make purchases outside Brazil or while traveling abroad. Although the money leaves your PagBank account locally, you can use the credit function at any time, meaning you can...
- Make purchases on websites and in stores around the world that accept Visa;
- Digital services and applications that require credit card payments, such as Netflix and Spotify;
- Withdrawals throughout Brazil through the Banco24Horas, Saque e Pague network and the Plus network abroad.
The PagBank account card has no bill, much less an annual fee. It works very simply: when you use it, you select the cash deposit option on the machine, but the amounts are deducted from your account balance immediately after purchase.
However, you can be sure that you will only use the balance in your PagBank account, meaning that the amounts are deducted directly from what you have available at that time.
It's ideal for those who need the practical benefits of a card but prefer to have only the available balance, not pay an annual fee, and avoid surprises.
Who can have a PagBank Account Card?
It's clear from the name that this card is exclusively for those with a PagBank account, and only one card can be issued per account, right? These are the only restrictions. There are no income restrictions or credit checks or anything like that.
If you have a traditional bank account but don't have a card for online purchases or digital subscriptions and need financial convenience, we invite you to open a free PagBank account.
Bring your personal or business finance management into the world of technology and convenience, abandon bankruptcy, and enjoy having a card accepted anywhere Visa is recognized, making it easier to manage your money. All without bills, monthly fees, or any additional charges.
from your PagBank account, or via online debit and bank check.
The amount of your top-up becomes your card balance, and you can use it to make purchases both domestically and internationally at all establishments and websites that accept card payments and Mastercard. And if you ever need cash, you can withdraw the available balance on your card.
How does the PagBank credit card work?
The PagBank credit card works just like the credit cards you're used to using. It works the same way: you make purchases, pay in installments if you want, and pay the rest when the bill arrives.
When using a PagBank credit card, all you have to do is select the credit option when making a purchase and choose the number of payments you're used to.
This card is ideal for those looking for an additional credit limit and want to pay for their purchases in installments. Like other PagBank cards, the credit card allows you to make purchases in Brazil and abroad at establishments that accept Visa cards.
And let's not forget the reduction in bureaucracy. The PagBank credit card doesn't require proof of income, is free for customers, and has no annual fee. And if you want to be in control and practical, simply use your PagBank account balance to pay your bill, with direct debit options to make payments even easier.
Who can have a PagBank credit card?
The PagBank credit card is currently only available to pre-approved customers. Some customers have already been pre-approved and can apply for the card through the PagBank super app.
Please note: you must be a PagBank customer and use the account or machine services for now to have the card available.
However, there are two ways to increase your chances of getting a PagBank credit card: salary portability and investing in one of our CDBs.
Salary portability is nothing more than an authorization to send your paycheck to your PagBank account, while bank certificates of deposit are investment models that were created to ensure you take good care of your money and get a much better return than savings.
