PicPay Card Mastercard
A no-annual-fee card from the popular PicPay wallet that focuses on cashback. Spend with the card and earn money back into your PicPay balance, which can yield returns, all managed inside the same app millions already use for payments.
Why it ranks
- Zero annual fee
- Cashback integrated with a popular wallet
- Balance earns yield
- Simple, app-first experience
What holds it back
- Best value requires using the PicPay ecosystem
- No airport lounge access
- Cashback rates vary by promotion
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A no-annual-fee card from the popular PicPay wallet that focuses on cashback. Spend with the card and earn money back into your PicPay balance, which can yield returns, all managed inside the same app millions already use for payments.
PicPay Card Mastercard at a glance
| Issuer | PicPay |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | Promotional cashback offers for new users (varies) |
| Rewards rate | Cashback on eligible spends, with yield on balance |
| Intro APR | N/A |
| Regular APR | Variable rotativo per PicPay's disclosed rates |
| Foreign transaction fee | IOF plus Mastercard exchange rate on international spends |
| Credit needed | Fair |
| Best for | PicPay wallet users who want cashback with no fee |
| Airport lounge access | No |
Rewards & benefits
- Cashback credited to your PicPay balance
- Balance can yield returns while it sits in the app
- No annual fee on the PicPay card
- Seamless use within the PicPay payments app
- Boosted cashback on partner promotions
Eligibility & who it suits
- Brazilian resident with a valid CPF
- Active PicPay account
- Serasa score and credit history reviewed by PicPay
- Age 18 or older with valid identification
How to apply
Check current rates on PicPay’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar Brazil cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | PPicPayMastercardNo annual fee · BR PicPay Card MastercardPicPay wallet users who want cashback with no fee |
None | Cashback on eligible spends, with yield on balance | Promotional cashback offers for new users (varies) | IOF plus Mastercard exchan… | Fair | |
| 2 | NPNu Pagamentos (Nubank)Nubank Mastercard RoxinhoNo annual fee · BR Nubank Mastercard (Roxinho)First-time and app-savvy users who want a free, fully digital card |
None | No rewards listed on the card page; check the Nubank app for current rewards opt… | No traditional welcome bonus; zero fee from day one | IOF plus Mastercard exchan… | Fair to Good | |
| 3 | BIBanco InterInter MastercardNo annual fee · BR Inter Mastercard Credit CardInter account users who want free cashback in a super-app |
None | Cashback on bills and marketplace purchases | Promotional cashback for new account holders (varies) | IOF plus Mastercard exchan… | Fair to Good | |
| 4 | IUItau UnibancoItau Click Visa PlatinumNo annual fee · BR Itau Click Visa PlatinumEveryday digital shoppers who want a free points card |
None | Around 1 point per US dollar spent | Promotional bonus points for new clients (varies) | IOF plus Visa exchange rat… | Fair to Good |
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