You can apply for PicPay Credit Card easy fully online and can in minutes through the PicPay app, with decisions based on internal credit analysis.
PicPay is one of Brazil’s leading digital banks, offering Mastercard-branded credit cards with app-first management, cashback, and broad acceptance.
Below you’ll find how the card works, how to apply, current fees, and interest information.
What the PicPay Credit Card offers
PicPay issues multiple Mastercard tiers—Gold, Platinum, Black, and special variants—managed entirely in the PicPay app.
The Gold card advertises zero annual fee, while higher tiers may have annual fees that can be reduced or waived under a relationship program.
Core benefits include installment purchases, Mastercard benefits, and (on select tiers) cashback on credit purchases.
| Card | Cashback | Notable perks | Fee waiver options | Notes |
|---|---|---|---|---|
| Gold (Mastercard) | — | App-managed card; Mastercard acceptance; online application | Not applicable (already zero) | Public product page highlights zero annual fee and online onboarding. |
| Platinum (Mastercard) | 0,5% em compras elegíveis | App-managed; Mastercard benefits | Relationship Program and promo campaigns can grant monthly fee waiver when you meet spend/investment criteria | Cashback % and fee figure shown on PicPay pages; waiver per Relationship Program/FAQ. |
| Black (Mastercard) | 1,2% em compras elegíveis | Airport lounge access and other Mastercard Black perks (per PicPay page) | Relationship Program and promo campaigns can waive the monthly fee when you meet criteria | Product page advertises 1,2% cashback and lounge; see note on fee discrepancy below. |
Annual Fees and Standard Charges
Brazilian card pricing is individualized by profile and disclosed on your monthly statement (fatura) and in your contract.
For PicPay cards, the company states that the minimum payment is 15% of the bill, with the unpaid portion financed in the crédito rotativo.
PicPay’s own educational guides indicate that rotative interest in the market typically ranges from about 1.5% to 22% per month.
- PicPay Card Gold: R$ 0 annual fee (anuidade).
- PicPay Card Platinum: R$ 588,00 annual fee per card (may receive credits under the Relationship Program).
- PicPay Card Black / Black EPIC: R$ 1.068,00 annual fee per card (additional cards may be free under PicPay’s rules).
- Card reissue: R$19,90.
- Cash withdrawal (ATM) — national: R$ 16,90 per withdrawal; international: R$ 20,00 per withdrawal (IOF applies).
- IOF (Brazilian tax on credit operations): 6,38% on applicable credit transactions.
PicPay’s “Tarifas e Taxas” pages and the fees webview list these amounts.
Note: PicPay also runs a Relationship Program that can reduce the monthly anuidade to zero in months when you hit specific spend tiers on eligible cards (PicPay Platinum, PicPay Black/EPIC, Original Gold/Platinum/Black).
How to Apply for PicPay Credit Card Easy
Always check your in-app offer and the latest pricing page before applying, since campaigns and tables can change.
- Download and open the PicPay app (Android/iOS) and create/log into your PicPay account. Start the card request inside the “Cartão de crédito” area.
- Complete the proposal: confirm personal data, income, contact info, and consent to credit analysis and data processing under PicPay’s terms.
- Credit analysis: PicPay evaluates your profile, internal risk criteria, and available tiers/limits. Some offers may present Gold (R$0 anuidade) first, with optional upgrades to higher tiers.
- Approval and activation: Upon approval, your virtual card becomes available in the app, and the physical card is shipped. Manage PIN, locks, travel notice, and security from the app.
- Use and track: follow real-time transactions, installments (up to 18x at merchants), and—where applicable—cashback on select tiers (e.g., 0.5% on Platinum).
Advantages and Limitations
Pros
- 100% digital onboarding and management in the app; fast proposal flow.
- Zero anuidade option on Gold, with Mastercard acceptance and benefits.
- Installment purchases up to 18x at participating merchants and digital wallets are compatible.
- Potential cashback on specific tiers (e.g., 0.5% on Platinum).
Cons
- Annual fees on higher tiers unless offset by spending rules in the Relationship Program.
- Cash withdrawal fees (R$ 16,90 national; R$ 20,00 international) plus IOF—expensive vs. cashless options.
- Rotative interest is variable and can be high; always check your fatura’s rate and consider invoice installment or full payment to avoid revolving.
Customer Support
SAC (24/7): 0800 025 8000. Ouvidoria: 0800 025 2000 (para resolver problemas após usar os canais regulares).
PicPay also lists a renegotiation line: 0800 400 5300 (business hours indicated on the page).
Address: Avenida Manuel Bandeira, 291, Condomínio Atlas Office Park, Blocos A/B, Vila Leopoldina, São Paulo/SP, CEP 05317-020.
Tips to Improve Approval Odds and Manage Costs
Keep your profile updated in the app (income, address, contact) and maintain a solid credit history.
If offered a tier with anuidade, check the Relationship Program rules—your monthly spend can reduce or zero out the fee in eligible months.
Pay the full statement to prevent rotative charges; if you need more time, evaluate the invoice installment plan and compare CET.
Withdrawals with the credit card are costly due to fees and IOF—prefer Pix or debit for cash needs.
Who the Card is For
PicPay only issues the credit function after internal credit analysis, and an offer is shown in the app.
If you don’t receive a pre-approved offer, you can still use Limite Garantido (you deposit funds, and that amount becomes your credit limit).
To request/activate the card, PicPay requires an in-app process and a minimum R$ 50 deposit in the card’s “Cofrinho” at activation.
For the Gold tier, Mastercard lists no minimum income required, but issuance still depends on PicPay’s analysis and availability.
Conclusion
You can apply for PicPay Credit Card easily with its fully digital application, real-time app controls, and a Gold option with Mastercard benefits.
If you want extra perks, tiers like Platinum and Black add features (and potential fees) you can manage via PicPay’s relationship rules.
Before applying, review fees and your interest rates, avoid revolving balances, and use PicPay’s verified SAC and Ouvidoria if you need support.
Disclaimer: Rates, fees, benefits, phone numbers, and addresses cited here come from PicPay’s official pages and legal documents and may change without notice. Always confirm your current contract, statement (fatura), and the PicPay app/website for the latest interest rates, CET, fees, and contact details before applying or transacting
