The PagBank card is part of the digital financial ecosystem developed by PagSeguro, one of Brazil’s leading fintech institutions.
Designed for ease of use and modern financial control, this card caters to individuals seeking accessible banking with added perks.
If you’re considering a digital-first banking solution, PagBank is a strong candidate with flexible options tailored to your financial lifestyle.
What Is the PagBank Card?
PagBank offers both debit and credit cards linked to its digital account.
The PagBank Mastercard Credit Card, in particular, stands out for not requiring proof of income or a credit check for some versions.
It is widely accepted, integrates seamlessly with digital wallets like Apple Pay and Google Pay, and is issued under the Mastercard brand.
For clients looking to earn rewards and manage finances more easily, PagBank provides an intuitive app with full card management features.
Types of PagBank Cards Available
PagBank Prepaid Card: Ideal for those who want to control spending or don’t qualify for credit. Users load balance directly from their digital account.
PagBank International Credit Card: This version may not require credit checks and is suitable for international and domestic use.
PagBank Business Card: Available for entrepreneurs using PagSeguro payment systems, with features tailored to business operations.
Benefits of the PagBank Card
PagBank offers a broad range of benefits aimed at making personal finances more convenient and secure.
Users can control their spending, generate virtual cards for online purchases, and receive instant notifications for each transaction.
- No Annual Fee: Most PagBank cards, including the credit variant, are fee-free.
- 100% Digital Management: Through the PagBank app, users can track expenses, view statements, and request limit increases.
- Virtual Card for Online Shopping: Safer online transactions through virtual cards that can be generated instantly.
- Cashback Options: Select purchases may offer cashback, depending on promotional campaigns or partner merchants.
- Global Acceptance: Issued by Mastercard, the card is accepted in millions of establishments worldwide.
- Integration with Wallets: Compatible with Apple Pay, Google Pay, and Samsung Pay for contactless payments.
Step-by-Step Guide: How to Apply for the PagBank Card
The process takes only a few minutes and requires minimal documentation.
Step 1: Open a PagBank Account
To apply for any PagBank card, you must first create a free PagBank digital account.
Download the PagBank app from the Google Play Store or Apple App Store.
Register by providing your CPF, email, phone number, and a selfie for identity verification. After account approval, log in to the app.
Step 2: Request the Card in the App
Choose the card you want—credit, prepaid, or business. Review and agree to the terms and conditions.
Submit your request. The card will be shipped to your registered address upon approval.
Credit card eligibility may depend on internal analysis. PagBank offers a secured credit card, where you deposit a specific amount to set your spending limit.
Interest Rates and Fees
Understanding the financial terms is crucial before activating any credit product. PagBank offers competitive rates, especially for its no-fee cards.
- Monthly interest on revolving credit: up to 13.99% per month
- Installment purchases: up to 12.90% per month
- Late payment fee: R$2.99 plus daily interest
- Currency exchange for international use: IOF tax + Mastercard exchange rate
PagBank’s credit card may offer interest-free installments depending on the merchant.
Users can view exact rates and simulate payments in the app before confirming a transaction.
Customer Support: Phones and Address
If you need help with your application or card usage, PagBank offers several customer support options.
- Customer Service (SAC): 0800 728 2174 (24/7, free call from landlines and mobiles)
- Ombudsman: 0800 728 2167 (available Monday to Friday, 9 a.m. to 6 p.m.)
- WhatsApp: Add +55 11 95487-6445 (automated and human assistance available)
- Online Chat: Accessible through the PagBank app and website
Mailing Address
PagSeguro Internet S/AAvenida Brigadeiro Faria Lima, 1384 – 8º andarCEP 01451-001 – São Paulo, SP – Brasil
All correspondence should include your CPF and protocol number (if you have already opened a case).
Tips for Approval and Card Management
Maintain your PagBank account in good standing, avoiding unpaid transactions or chargebacks.
If not approved for the unsecured credit card, consider applying for the secured version.
Set up automatic alerts for due dates to avoid late fees and interest.
Use the PagBank cashback store or promotional offers to maximize rewards.
PagBank Card vs Competitors
This comparison highlights the fees, benefits, eligibility, and customer experience of each card.
| Feature | PagBank Card | Nubank Card | Banco Inter Card | C6 Bank Card |
|---|---|---|---|---|
| Card Brand | Mastercard | Mastercard | Mastercard | Mastercard or Elo |
| Annual Fee | R$0 | R$0 | R$0 | R$0 |
| Credit Analysis | May offer secured credit option | Yes (strict analysis) | Yes (medium strict) | Yes (can start with debit only) |
| Virtual Card | Yes | Yes | Yes | Yes |
| Cashback | Yes (limited offers and promo-based) | Only via Nubank Ultravioleta | Yes (via Inter+ plan) | Yes (via C6 Átomos or C6 Carbon plans) |
| Digital Account Required | Yes (PagBank) | Yes (Nubank account) | Yes (Banco Inter account) | Yes (C6 Bank account) |
| International Use | Yes | Yes | Yes | Yes |
| Installments | Yes, interest may apply | Yes, with or without interest | Yes, with or without interest | Yes, with or without interest |
| Interest Rate (Revolving) | Up to 13.99%/month | ~13.75%/month (variable) | ~7.7% to 8.5%/month | ~10.7% to 12.4%/month |
| Reward Points | Limited | Ultravioleta only | Inter rewards on paid plan | C6 Átomos on free or paid plan |
| Card Management | PagBank App | Nubank App | Inter App | C6 App |
| Physical + Virtual Card | Yes | Yes | Yes | Yes |
| Wallet Integration | Apple Pay, Google Pay, Samsung Pay | Apple Pay, Google Pay, Samsung Pay | Apple Pay, Google Pay, Samsung Pay | Apple Pay, Google Pay, Samsung Pay |
| Unique Perks | No annual fee, digital security, simple approval | High usability, Ultravioleta cashback | Fee-free account, low forex spread | C6 Tag toll sticker, loyalty program |
Conclusion
The PagBank card is an excellent financial tool for anyone looking to combine digital convenience with strong security and zero maintenance fees.
Its accessible application process and appealing perks make it a practical option whether you’re a student, freelancer, or entrepreneur.
You can easily apply and start using your card within days. Take advantage of the digital control, exclusive benefits, and full integration with payment platforms.
Disclaimer: This article is for informational purposes only. Terms, interest rates, and availability of the PagBank card may change based on the bank’s internal criteria and market updates. Always read the full terms and conditions provided by PagSeguro Internet S/A before applying. For the most accurate and current details, visit www.pagbank.com.br or contact customer service.
