For some time now, people have been concerned about switching from using cash to simpler forms of payment. Three very important factors have driven this change: convenience, security, and control. Today in this post we will show you the advantages and benefits of having a PagBank credit card.
Carrying cash isn't a good idea, which is why solutions like checks and cards have emerged. Checks are increasingly falling out of use, but cards remain the main substitute for paper money.
We recognize the importance of good payment solutions, so much so that a large part of our products has been specifically designed to make our customers' daily lives easier and to follow the main market trends to make their buying and selling more dynamic.
Keeping 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 in a practical and secure way.
Do you know the differences between a debit card, a prepaid card, and a PagBank credit card? In today's email, you'll learn all the details and benefits of each.
How does the Pagbank credit card work?
This is the standard PagBank digital account card. It allows you to use your account balance to make purchases, withdrawals, and pay for the services you want without having to load the amounts you want. Purchases and withdrawals are deducted from your account balance on the spot, and the limit is exactly what you have in your PagBank account.
The account card is free and international, so you can use it to make purchases in locations outside of Brazil or while traveling abroad. Although the money leaves your PagBank account locally, you can use the credit function at any time, which means you can do...
- Make purchases on websites and in stores worldwide that accept the Visa brand;
- Digital services and applications that require credit card payments, such as Netflix and Spotify;
- Withdrawals throughout Brazil via the Banco24Horas and Saque e Pague networks, and internationally via the Plus network.
The PagBank account card has no bill, and certainly no annual fee. It works very simply: when you use it, you have to select the cash credit option on the machine, but the amounts are deducted from your account balance immediately after the purchase.
However, you can be sure that you will only use the balance in your PagBank account, meaning the amounts are deducted directly from what you have available at that moment.
It's ideal for those who need the practical benefits of a card but prefer to only have 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 who have a PagBank account, and only one card can be issued per account, right? These are the only restrictions. There are no restrictions on your income or even credit checks or anything like that.
If you have an account at a traditional bank but don't have a card for online purchases or digital subscriptions and need financial convenience, here's our invitation. How about opening a free account at PagBank?
Bring the management of your personal or business finances into the world of technology and convenience, abandon bankruptcy, and enjoy having a card in your hands that is accepted anywhere accredited under the Visa brand, making managing your money easier. All without invoices, monthly fees, or any additional charges.
from your PagBank account, or via online debit and bank check.
The value of your top-up becomes the balance on your card, and you can use it to make purchases both nationally and internationally at all establishments and websites that allow card payments and accept the Mastercard brand. And if you happen to 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 are used to.
This card is ideal for those looking for an additional credit limit and who want to pay for their purchases in installments. Like other PagBank cards, this 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, it's free for customers, and there's no annual fee. And if you want to be in control and practical, simply use your PagBank account balance to pay your bill, with automatic debit options to make payments even easier.
Who can get 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 their account or terminal 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 (Certificates of Deposit).
Salary portability is simply an authorization to send your paycheck to your PagBank account, while bank deposit certificates are investment models created to ensure you take good care of your money and obtain a much better return than savings accounts.