Are you looking for a modern, easy-to-apply card with no annual fee? The pre-approved PicPay Credit Card may be just what you're looking for. Launched to facilitate access to credit and integrated with one of Brazil's most popular digital wallets, it has been gaining increasing traction among consumers. And if your question is... How to apply for a pre-approved PicPay Credit Card, this is the step-by-step.

The process is simple, done 100% via mobile phone, and can guarantee an initial limit even for those without a high credit score. This makes the PicPay card an affordable and modern alternative for those looking to avoid traditional banks.

Why has the PicPay card gained prominence?

PicPay started as a digital wallet but quickly transformed into a full-fledged bank. Today, it offers a digital account, automatic income, cashback, and, of course, a credit card. The difference lies in its commitment to making everything more practical and accessible, including credit.

The PicPay card comes with a Mastercard logo, is international, and has no annual fee. It also offers exclusive benefits, such as promotions with cashback directly to your account and compatibility with Google Pay and Apple Pay. And to top it all off, the card is controlled entirely through the app, making life much easier for those who want to track spending, generate invoices, or adjust their limit without hassle.

How do I request a pre-approved PicPay Credit Card via cell phone?

If your main question is How to apply for a pre-approved PicPay Credit Card, the step-by-step process is straightforward and quick. See:

  • Download the PicPay app on the Play Store (Android) or App Store (iPhone).
  • Create your free digital account, providing full name, CPF, cell phone number and a selfie.
  • After registering, go to the “Wallet” tab and click on “Cards”.
  • If there is a credit offer available, the option to activate the credit card.
  • That's it! Just confirm your details and wait for your physical card to arrive.

The virtual card can be activated immediately, and you can use it to make online purchases and subscribe to services like Netflix, Uber, Amazon, and more.

Is it necessary to have a PicPay account?

Yes, the first step to getting the card is to open a free PicPay account. But don't worry: the process is entirely digital, takes just a few minutes, and doesn't require proof of income. After creating the account, the app will inform you if you have a pre-approved credit offer. If you don't have one yet, you can use the account normally and build a relationship with the platform—many users receive the credit offer within a few days of using the platform.

Who can apply for the PicPay card?

Anyone over 18 with a valid CPF (Individual Taxpayer Registry) and a cell phone with internet access can apply. PicPay analyzes the user's financial history but doesn't require a high score. Many people with scores between 400 and 700 have already been approved—making the card a good option for those starting over financially.

Does PicPay approve people with a low score?

One of the card's biggest draws is precisely this: there's a good chance of approval even with an intermediate score. This doesn't mean everyone will be accepted, but PicPay usually analyzes more than just the score—it also takes into account account activity, on-time payments, salary receipt, and other factors.

So if you are looking for How to apply for a pre-approved PicPay Credit Card, but have a low score, it's still worth a try. In fact, maintaining a balance in your PicPay wallet, using the debit function, and paying bills through the platform are habits that help increase your chances.

What to do if credit is not available?

If you don't see the option to activate your credit when you log into the app, don't worry. This doesn't mean your application was denied. In fact, PicPay releases the card in waves, depending on your profile and the length of time you've used the account.

In this case, we recommend continuing to use the app: pay bills, use Pix, receive funds, maintain transactions, and enjoy the digital account services. This shows the system that you're an active and responsible user, increasing your chances of receiving credit soon.

Does the PicPay credit card have an annual fee?

No. The PicPay card is free of annual fees, both physical and virtual. This is one of the product's biggest draws, especially for those tired of hidden fees and banking bureaucracy. Furthermore, there's no application fee, nor is there a cost to issue the physical card—it arrives at your home completely free of charge.

Is the starting limit high?

It depends on each customer's profile. In general, initial limits start at R$ 300, but can increase over time and with responsible use. There are many reports of users who started with low amounts and, after a few months of continuous use and on-time payments, received further increases.

In fact, the app itself allows you to request a limit increase after a certain period of use, and PicPay usually responds quickly.

What are the exclusive benefits of the PicPay card?

In addition to the annual fee exemption, the card offers other benefits:

  • Cashback on various promotions and campaigns.
  • Full control via the app.
  • Contactless payment.
  • Integration with digital wallets such as Apple Pay and Google Pay.
  • Access to Mastercard Surpreenda.
  • Instant virtual card for online purchases.

All of this makes the PicPay card an excellent choice for those looking for convenience, savings, and more freedom to control their finances.

See also: How do I apply for a pre-approved Will Credit Card?

May 9, 2025