For those who are looking for a credit card that has several advantages and is free of annuities and fees, there are several fintechs that offer this type of service with more affordable cards.
Therefore, in this article we are going to talk about the PicPay credit card, called PicPay Card, in which customers can make purchases at establishments that partner with the company and earn various discounts and even cashback.
So, check out how the PicPay credit card, how to apply and what are the advantages and disadvantages of this card.
Learn how to apply for a credit card with a PicPay account
O PicPay is a Brazilian application, created in Espírito Santo, in 2012. It is currently available for download for devices android and iOS.
The app works as a digital wallet, where you can make purchases and payments directly from your smartphone, using your credit card or cash.
In addition, currently the company has launched a novelty which is the credit card exclusively for customers, called PicPay Card.
How does PicPay Card work?
O PicPay Card it is a credit card released by the company PicPay which is without annuity or fees, in which, like the users of the application, it is possible to receive a percentage of the money spent back, with the cashback function.
In addition, the card is accepted in several stores and departments that are partners of the company. O PicPay card It also has an approximation payment system and is accepted on websites and stores in several countries, as it has an international flag.
How to apply for PicPay Card?
To request the PicPay Card, just access the website of PicPay, click the button “Order yours now”, then you will be directed to a page indicating where to request through the application, if you already have a registration.
But if you don't have an account PicPay, it is also possible to register on the website and download the app to continue your registration, informing your personal data, such as RG, CPF, which credit cards or banks you use the most, etc.
Also, if your friends already have an account on PicPay, you can sync your contacts and follow them all. That way, if you need to transfer or charge something to any of them, just click on their profile and make the payment or charge.
Within the application, on the home page, you can click on the option “Request Card”, perform a quick registration and then wait for a credit analysis. After that, if your request is accepted, just wait for the PicPay contact us to send your credit card to your address.
Interest Rates
The interest rates charged by the PicPay Card from the company PicPay is approximately 2,99% for each installment of a purchase and 3,49% per month. So it's worth checking that these fees can't hurt your budget.
PicPay Card: Advantages and Disadvantages
One of the main advantages of PicPay card is that it is free of annuities and additional fees, unlike bank cards, for example, where usage and annuity fees are charged.
Furthermore, as mentioned earlier, the PicPay card it is accepted in several partner establishments and has the option of cashback. In which part of the amount spent on purchases goes back to the PicPay of the customer.
Another advantage is that it has a mastercard brand and is international, so if you are out of the country, you can shop with peace of mind.
However, one of the disadvantages is the interest rates for each installment of a purchase, in which 2.99% are charged and the company also performs a credit analysis, thus making it impossible for negative people to apply for the card.
services
For more information about the services of PicPay or about the PicPay Card, visit the official website of PicPay and download the app, available for android and iOS, or contact us by phone 0800-025-2000.
