Find out if the PicPay Card is right for you and how to apply for one.
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The PicPay Card offers a practical and versatile solution for those looking for easy financial transactions and access to exclusive benefits. Launched by PicPay, one of Brazil's most recognised fintechs, this card stands out for its full integration with the platform's app, allowing users to make purchases, payments and manage their spending in an intuitive and efficient way.
PicPay began as a digital wallet and has evolved over the years to become one of the main options in the Brazilian financial market.
This expansion culminated in the launch of the PicPay Card, which brings advantages to those who already use the app, such as cashback and easy financial control.
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This card, which operates in both debit and credit functions, is accepted at national and international establishments thanks to its partnership with Mastercard.
Applying for the PicPay Card is simple and can be done directly through the app, making it easy to access the product without having to leave your home.
After a brief credit analysis process, users can take advantage of all the features and benefits, including the cashback programme, which returns part of the amount spent on purchases.
As well as being an advantageous option for everyday use, the PicPay Card also stands out because it offers modalities that cater for different consumer profiles.
From the basic card, for those looking for no annual fee, to more sophisticated options with additional Mastercard benefits, there is an ideal option for every type of user.
PicPay also innovates by offering proximity payment options, making transactions more convenient and promoting secure and agile use of the card.
This functionality eliminates the need for physical contact with machines, providing greater security and faster payment.
Read on to find out more about how to apply for the PicPay Card, understand all its features and discover valuable tips for increasing your chances of approval and obtaining a credit limit that suits your financial profile.
Quick Index:
What is the PicPay Card?
O PicPay Card is a credit and debit card issued by PicPay, one of Brazil's largest fintechs, known for its digital wallet that facilitates payments, transfers and now offers a complete shopping experience, both online and in physical shops.
With the PicPay Card, you have access to a physical card and a virtual card, accepted in national and international establishments using the Mastercard flag.
This card is ideal for those who already use the PicPay app and want to have a means of payment integrated with their digital account balance, with benefits including cashback on purchases and easy financial control via the app.
In addition, PicPay offers different types of card to suit users who prefer a basic card to customers looking for a card with premium benefits.
How does the PicPay Card work?
O PicPay Card is simple to use and works in conjunction with your PicPay digital account balance.
It can be used both as a debit function, using the balance available on PicPay, and as a credit function, subject to approval of the limit.
All transactions and invoices are easily accessible via the app, which also offers a number of functionalities for controlling spending.
Debit and credit functions
The card allows you to make purchases in the debit function, using the balance of the PicPay digital wallet, or in the credit function, which requires a prior credit analysis. Once the limit has been approved, users can make purchases in instalments and have a complete card for all their needs.
Cashback and Offers
One of the main features of the PicPay Card is the cashback programme, where the user can receive a percentage of the value of some purchases back.
The cashback is credited directly to your PicPay account and can be used for new purchases, transfers or even to pay bills. In addition, PicPay often offers exclusive promotions, including discounts on partners and other rewards.
Mastercard benefits
The PicPay Card uses the Mastercard flag, guaranteeing wide national and international acceptance, as well as access to the Mastercard Surpreenda programme, which offers exclusive benefits in restaurants, shops and other services.
General Features
| Features | Description |
|---|---|
| Card Name | PicPay Card |
| Flag | Mastercard |
| Issuing Bank | PicPay Card Issuer |
| Annuity | Free in some modalities |
| Cover | National and international |
| Modality | Debit and credit (subject to analysis) |
| Technology | Contactless payment |
| Management application | PicPay App |
| Withdrawals | Available on the Banco24Horas network (fees may apply) |
| Request | Made directly via the PicPay app |
How to Apply for a PicPay Card
Request the PicPay Card is a quick and easy process, carried out directly through the PicPay application. Check out the step-by-step instructions below:
- Access the PicPay AppDownload the PicPay app, available for Android and iOS devices, and log in with your account or create a new one if you don't already have one.
- Apply for a cardIn the application's main menu, search for the "PicPay Card" option and follow the instructions to request it.
- Wait for the Credit AnalysisIf you want the credit function, PicPay will analyse your financial profile to set the credit limit. If approved, the limit will be granted on the card.
- Receive the CardAfter approval, the physical card will be sent to the address registered in your PicPay account. Delivery time varies according to location.
Card types
O PicPay Card is available in different modalities, each with specific benefits to suit different customer profiles. The main modalities are: PicPay Standard Card, PicPay Platinum Card e PicPay Black Card. Below are the characteristics and advantages of each modality:
PicPay Gold Card
O PicPay Gold Card is the basic version of the card, ideal for users who want a functional credit and debit card with no annual fee and access to PicPay's main benefits. The main features include:
- Annual fee waiverNo annual fee, which makes it ideal for those who want to save money and enjoy the benefits of PicPay at no extra cost.
- Cashback on Selected Purchases: Possibility of receiving cashback on purchases made with the card.
- Approximation Payment Technology: Payment by proximity, making everyday transactions easier.
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PicPay Platinum Card
O PicPay Platinum Card is aimed at those looking for a card with more advantages and access to the exclusive benefits of the Mastercard Platinum category, ideal for those with a higher consumption profile and looking for additional rewards. The main advantages include:
- High cashbackOffers a higher cashback rate on purchases, guaranteeing a return on every transaction.
- Mastercard Platinum BenefitsAccess to a range of Mastercard benefits, including travel insurance, concierge, and purchase and price protection.
- Exclusive PartnershipsThe card offers access to discounts and offers in PicPay and Mastercard partner shops and services.
- Annual fee waiverAnnual fee waived, but there may be minimum consumption requirements to maintain the benefit.
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PicPay Black Card
O PicPay Black Card is the most exclusive modality, aimed at customers looking for a premium experience and who want to make the most of PicPay's cashback programme and special Mastercard Black benefits. Below are some of the exclusive advantages:
- Maximum Cashback: It offers the highest cashback rate among the modalities, allowing customers to recover a significant part of their expenses.
- Mastercard Black benefitsIncludes travel insurance, access to VIP lounges at airports, global emergency assistance and other exclusive benefits.
- Premium experience: Differentiated service and support for Black customers.
- AnnuityThere may be an annual fee waiver, depending on the volume of spending, but in general this modality has an associated annual fee due to the premium benefits.
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Advantages
O PicPay card is full of advantages that make it an attractive option for different types of consumers. The main advantages include:
Cashback on PurchasesWith the PicPay Card, the user can receive cashback on eligible purchases, accumulating an extra balance that can be used to pay bills, make new purchases or transfer.
International acceptanceWith the Mastercard flag, the PicPay Card is accepted at millions of establishments in Brazil and abroad, making it an excellent choice for international shoppers.
No annual fee on Standard CardThe PicPay Standard Card is free of annual fees, which represents a significant saving for those who want a credit card with no additional costs.
Full control via the PicPay AppAll card management is done through the PicPay app, where users can check their balance, check their invoice, control their limits and access cashback.
Virtual CardThe PicPay Card offers the option of a virtual card for online purchases, providing greater security and convenience in transactions.
Mastercard Benefits (Platinum and Black)Platinum and Black offer additional Mastercard benefits, such as travel insurance, emergency assistance and access to discounts with partners.
Disadvantages
Despite its many advantages, the PicPay Card has some points that may be less attractive to certain user profiles:
Credit Under Analysis functionThe credit function of the PicPay Card is not guaranteed for all users, as it depends on a credit analysis, which may limit access for some.
Withdrawal feeThere are charges for withdrawals from the Banco24Horas network, which can be a negative point for those who need cash frequently.
Consumption Requirement for Exemption from Premium Membership FeesIn the case of Platinum and Black, annual fee exemption may depend on a minimum monthly spend, which may not be convenient for everyone.
Final considerations
O PicPay card is a modern and practical option for those who already use the PicPay platform and want to expand the experience for use in purchases and financial transactions, both online and in person.
With different modalities, such as Standard, Platinum and Black, the card adapts to different customer profiles, from those looking to save money to those who want to make the most of the exclusive benefits.
For those looking for a card with no annual fee and cashback, the PicPay Card Standard offers excellent value for money. The Platinum and Black models cater for more demanding profiles, with benefits such as high cashback and exclusive Mastercard advantages.
Read also: Next Card: how to apply
Frequently Asked Questions
How do I unblock my card?
Unblocking can be done directly in the PicPay app, after receiving the physical card.
Can I use the PicPay Card for international purchases?
Yes, the PicPay Card has international coverage and can be used in any establishment that accepts the Mastercard flag.
Does the PicPay Card have an annual fee?
The PicPay Standard Card has no annual fee. The Platinum and Black types may have an annual fee, but it is possible to get it waived with a minimum spend.
How do I increase my card limit?
The limit increase can be requested via the app, where PicPay will carry out a new credit analysis.
Does the card offer cashback on all purchases?
Yes, the PicPay Card offers cashback on selected purchases, depending on the card type and current promotions.
