Among the many available options, the Pan Card, issued by Banco Pan, stands out for its accessible approval process, digital services, and cashback benefits.
Whether you're starting your financial journey or looking for an affordable card with essential perks, Banco Pan offers solutions designed for smart savers.
In this article, you'll discover how to apply for the best Pan Card in Brazil, understand its features, and learn how it helps you save more on everyday purchases.
What Is the Pan Card?
Banco Pan offers a line of credit cards focused on convenience and savings.
The Pan Card is part of a digital banking strategy that emphasizes control through the mobile app, low maintenance costs, and practical benefits.
With options ranging from basic international cards to upgraded versions with cashback or point accumulation, Banco Pan targets a wide consumer base, especially those seeking a cost-effective credit solution.
Some cards in the Pan portfolio include:
- Pan Internacional: No annual fee and ideal for first-time cardholders.
- Pan Gold: Offers discounts and cashback, ideal for frequent users.
- Pan Platinum: Designed for users with higher incomes who want more rewards and travel benefits.
Benefits of the Pan Card
Choosing a Pan Card can help you save in various ways, depending on how you use your card.
Banco Pan offers the following benefits across its credit card lines:
- No annual fee (in select versions): Particularly with the Pan Internacional Card, which helps reduce long-term costs.
- Cashback on purchases: Through the PAN Mais loyalty program or via direct statement credit.
- Up to 40% discount at affiliated partners on services like travel, education, and shopping.
- Free digital account: Helps with financial planning and full control via app.
- Installment payments: Large purchases can be paid in installments with or without interest, depending on the seller.
- International acceptance: All cards are issued with Mastercard or Visa flags.
For users who want flexibility and cost-efficiency, these features help maximize daily savings while managing credit responsibly.
Interest Rates and Charges
Like all credit products, Pan Cards involve interest when revolving credit or installment plans are used.
The standard charges you should be aware of include:
- Rotating credit (juros rotativos): Up to 18.90% per month, depending on the customer profile.
- Installments with interest (parcelamento de fatura): Rates vary between 3.9% and 12.8% per month.
- Late payment fee: R$2.00 to R$10.00 plus interest and fine.
- Annual fees: Can range from R$0 (Pan Internacional) up to R$350/year, depending on the card type.
It is crucial to manage your billing cycle properly, pay the full amount when possible, and avoid carrying a balance to prevent debt accumulation.
How to Apply for the Best Pan Card
Download the Banco Pan app (available on Android and iOS). Create your digital account if you don’t already have one.
Fill out the proposal form, including your CPF, income, and employment details. Submit documents via the app if required (such as proof of income and ID).
Wait for the analysis, which typically takes 2 business days or less.
Your digital version of the card becomes available in the app immediately, allowing you to start using it online or through contactless payment services.
Tips to Improve Your Chances of Approval
Keep your Serasa and SPC score above 600. Avoid late payments and keep debts up to date.
Register your CPF with your email and mobile number in credit protection services.
Use your bank account regularly to demonstrate activity. Declare consistent income, even if informal.
Banco Pan does not always require proof of income, but a clean and transparent financial profile increases the likelihood of receiving a better limit and benefits.
Customer Service and Contact Channels
Banco Pan provides multiple channels to assist customers before and after the application.
Here are the main contact details:
- Customer Service (SAC): 0800 776 8000 (24 hours)
- Credit Card Service (Capitais e Regiões Metropolitanas): 4003 0101
- Other Locations: 0800 888 0101
- WhatsApp Support: Through the official Banco Pan app
- Mailing Address: Avenida Paulista, 1374 – Bela Vista – São Paulo – SP – CEP 01310-100
Users can also access self-service options and follow up on application status directly within the mobile app.
Comparison With Other Digital Banks
Here’s a refined comparative analysis between Banco Pan and other leading digital banks in Brazil—Nubank, Banco Inter, and C6 Bank.
Then, you can see where Pan shines and where others may offer stronger advantages.
| Feature | Banco Pan | Nubank | Banco Inter | C6 Bank |
|---|---|---|---|---|
| Account Type | Digital banking + credit focus | No-fee digital account (NuConta) & card | Full digital “Super App” including investment & FX | Digital account, global FX, investments, eco‑friendly |
| Credit Cards | Pan Internacional, Gold, Platinum | International no-fee, “Ultravioleta” Black with 1% cashback | Cashback Black with dollar redemption, global account | Range of Visa/Mastercard cards, C6 Carbon/Graphene tiers, biodegradable cards |
| Cashback & Rewards | Up to 40% discounts via partners, some cashback | 0.5% basic cashback (+Nu+ perks); Ultravioleta: 1% cashback | Cashback, especially on Black card + global dollar FX | Offers points, carbon‑credit features integrated |
| Investments / FX | Basic fixed income offerings | Personal loans, insurance, investments via NuInvest | Free home broker, international investments, global account | Brazil & foreign investments, global FX from same app |
| Business Banking | Consumer focus | Individual & some SME tools (NuTap softPOS) | Comprehensive SME & global solutions | Offers account with business and global services |
| Security & Tech | Digital-first, tokenized cards | App controls, FGC protection | Super App; biometrics; multiple services | Biometric authentication, virtual card, MIT-grade cybersecurity |
| Fees | Intl. card with no fee; Premium tiers apply | No account fee; Ultravioleta fee-based but bundled benefits | No-fee for basic; some paid features (e.g. delivery) | Generally no account/card fees; Graphene/Carbon may have tier fees |
Conclusion: Start Saving with the Right Pan Card
Choosing the right Pan Card can help you manage expenses, unlock discounts, and even earn money back on your purchases.
Whether you’re applying for your first card or switching to a more cost-effective option, Banco Pan offers a streamlined and digital-friendly process tailored to your needs.
Apply for the best Pan Card today through the official app and start experiencing the benefits of financial control and daily savings.
Disclaimer: This article is for informational purposes only and does not represent financial advice. Interest rates, terms, and card availability may change based on Banco Pan’s policies and your credit profile. Always read the terms and conditions before applying.
