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With nationwide and international usage, the PicPay Card offers convenience for both online and in-store purchases while providing a comprehensive financial management app.
Disclaimer: You will be redirected to the official website.
Benefits of the PicPay Card
- No annual fee – Use the card with no monthly or annual charges.
- Cashback on purchases – Earn money back directly in your PicPay account.
- Accepted for in-store and online purchases – National and international acceptance.
- Complete digital management – Track bills, limits, and transactions in real-time via the app.
- Multi-functional card (credit and debit) – Flexible payment options.
- ATM cash withdrawals – Withdraw money at Banco24Horas ATMs.
- Enhanced security – Anti-fraud technology and two-step authentication.
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Pros
- No annual or maintenance fees
- Cashback on selected purchases
- Comprehensive app for financial management
- Widely accepted for both physical and online transactions
- Seamless integration with PicPay for payments and transfers
Cons
- Cashback varies based on specific promotions
- High interest rates on installment payments
- Does not offer a travel rewards or points program
about the card
The PicPay Card was designed for those looking for simplicity and savings when making payments. Unlike traditional credit cards, it combines debit and credit functions, allowing users to choose the best payment method for their purchases.
Another key advantage is full integration with the PicPay app, where users can monitor finances in real-time. With just a few taps, you can track transactions, adjust your credit limit, pay bills, and activate cashback promotions.
Additionally, the PicPay Card is widely accepted in Brazil and internationally, making it secure and convenient for both in-store and online shopping.
If you want a hassle-free digital card with real day-to-day benefits, the PicPay Card is one of the best options available.
How to Apply for the picpay card
Applying for the PicPay Card is 100% digital, with no need to visit a bank branch. Simply access the PicPay app, complete your registration, and wait for the credit analysis.
REQUIREMENTS
- Must be 18 years or older
- Must have a valid CPF (Brazilian taxpayer ID) with no restrictions
- Must have an active PicPay account
- Must pass PicPay’s credit analysis
STEP-BY-STEP GUIDE
- Download the PicPay app from the Google Play Store or Apple App Store.
- Go to the “PicPay Card” option in the main menu.
- Fill in your personal details and submit the required documents.
- Wait for the credit analysis process conducted by PicPay.
- If approved, the card will be shipped to your address.
Tip: Track your application status directly via the PicPay app.
Disclaimer: You will be redirected to the official website.
different versions of the card
The PicPay Card is available in different versions, catering to various customer profiles.
1. PicPay Standard Card
- Annual Fee: None
- Key Benefits:
- Multi-functional card (debit and credit)
- Cashback on selected purchases
- Complete financial management via the app
2. PicPay International Card
- Annual Fee: None
- Key Benefits:
- Global acceptance for both online and in-store transactions
- Contactless payments (NFC technology)
- ATM withdrawals via the Banco24Horas network without needing a bank account
Each version is tailored to different financial needs, allowing users to choose the best option based on their spending habits.
FLEXIBILITY AND CASHBACK ON YOUR PURCHASES
The PicPay Card stands out for its flexibility and financial perks, offering cashback rewards and full control via the app.
- Save on every purchase – PicPay offers cashback on selected transactions.
- Enhanced security – Two-step authentication and advanced encryption provide extra protection.
- Seamless payments – The multi-functional debit and credit card allows users to manage payments efficiently.
If you want a practical, digital, and cost-effective card, the PicPay Card is an excellent choice.
PICPAY CARD FEES AND CHARGES
Before applying, check the main fees associated with the PicPay Card:
| Fee Type | Amount |
|---|---|
| Annual Fee | None |
| Late Payment Interest | Up to 15% per month |
| Installment Fees | Variable based on contract |
| Credit Withdrawals | Fees apply depending on amount and ATM network |
Tip: To avoid high interest rates, always pay your bill on time and use credit responsibly.
How to Improve Your Credit Score to Get Approved for the picpay CREDIT CARd
To increase your approval chances and qualify for better credit conditions, follow these financial best practices:
- Pay your bills on time – A strong payment history helps improve your credit score.
- Use no more than 30% of your credit limit – Keeping a low credit utilization rate shows financial responsibility.
- Avoid applying for multiple credit cards at once – Too many credit inquiries can lower your score.
- Keep older accounts open – A longer credit history positively impacts your score.
- Monitor your credit score regularly – Use services like Serasa and Boa Vista to track your financial health.
By following these best practices, you can enhance your credit profile and access better credit opportunities.
FINAL CONSIDERATIONS
The PicPay Card is a modern, practical, and accessible option for those looking for digital financial control, cashback rewards, and no annual fees. Its integration with the PicPay app makes financial management easy, allowing users to track expenses, credit limits, and payments without relying on traditional banks.
Among its main benefits, the ability to switch between credit and debit functions makes it a highly flexible payment option. Additionally, cashback on selected purchases offers direct savings, making it an attractive choice for frequent spenders.
For users who value transparency, cost savings, and convenience, the PicPay Card is one of the best choices available. Its 100% digital management system ensures a hassle-free financial experience.