Want to secure your card?

Loans for People with Bad Credit
Credit Card for Low Score
You May Have Money Left Behind at the Central Bank

If you're looking for a card with an instant credit limit, no annual fee, and real everyday benefits, it's worth checking out... Estelar Credit Card from Banco Pan. The proposition of this card is simple: fast approval, total control through the app, and a 100% digital experience — from application to managing your expenses.

Want to know how it works and How to apply for your Banco Pan Estelar Card No red tape? I'll explain everything in this post, step by step, so you can order yours today.

What is the Banco Pan Estelar Card?

THE Star Card It is a special version offered by Pan Bank, which combines practicality, speed in analysis, and a complete digital experience. With it, you can:

  • Shopping online and in physical stores
  • Gain access to your virtual card immediately after approval.
  • Receive cashback (in specific campaigns)
  • Manage your credit limit, bill, and everything else through the Pan app.

It's an international card, with Mastercard flag, and accepted in thousands of establishments. And the best part: you You don't need to have a bank account. to ask.

Who can apply for the Estelar Card?

Anyone with:

  • Over 18 years old
  • Regularized CPF
  • Photo ID (RG or CNH)
  • Access to the Banco Pan app

Credit analysis is done instantly, directly through the app. Even those who have never had a card before or have a low credit score can apply, as the bank analyzes several criteria in addition to the score.

Does the Estelar Card have an annual fee?

No. The Banco Pan's Estelar card has no annual fee., This makes it a great option for those who want to avoid fixed fees and keep an active card even with little use.

You only pay if you use the service, and interest is only applied in cases of late payment of the bill or installment plan.

How do I apply for the Estelar Credit Card?

1# Download the Banco Pan app

Available for free at Play Store and App Store

2# Create your digital account (takes less than 5 minutes)

  • Please fill in your personal details (name, CPF [Brazilian tax ID], email, phone number).
  • Take a selfie.
  • Send a photo of your identity document.
  • Confirm the address.

3# Request the Stellar Card

Within the app, go to the tab Cards and tap on “Request Star Card”. You will see the available options based on your profile.

4# Please wait for analysis.

The answer usually comes out in a few minutes. In some cases, it can take up to 24 hours. If approved, the card Virtual access is now available immediately. For you to use when shopping online.

The physical card is sent by mail and arrives within 10 business days.

What is the initial credit limit for the Estelar Card?

The limit varies according to credit analysis. Many users report limits from R$ 300 to R$ 2,500, Even with initial credit cards, Banco Pan may increase this amount over time, depending on responsible usage and timely payment of bills.

How do I increase the limit?

  • Use the card frequently.
  • Always pay on time (or pay early).
  • Update your income information in the app.
  • Avoid using your entire credit limit to demonstrate financial control.

In the app, there is an option to "Request a credit limit increase," which can be done at any time. The system re-evaluates and may approve the new limit immediately.

Does the Estelar Card offer a virtual card?

Yes! As soon as your request is approved, the The virtual card is automatically activated.. You can use it for online purchases, in apps like iFood, Uber, Netflix, Amazon, etc., with complete security.

The virtual card has a different number than the physical card, which increases protection against fraud.

And how does the invoice work?

The invoice is 100% digital. You receive the notification in the app, and you can pay:

  • Through the app itself (using account balance)
  • Via bank slip
  • With Pix
  • Or copy the barcode and pay at any bank or digital wallet.

It's also possible to pay your bill in installments directly through the app, with transparent interest rates and terms.

What are the advantages of the Estelar Card?

1# No annual fees or hidden charges.
2# Virtual card activated instantly.
3# Full control via the app
4# Cashback on seasonal promotions
5# Mastercard branded card with international benefits.
6# Fast approval and flexible review.
7# Digital support with direct chat in the app.

Is it worth applying for the Estelar Card from Banco Pan?

Yes, especially if you want to:

  • Avoiding bureaucracy
  • Having a card for everyday use
  • Control everything from your cell phone.
  • No annual fee
  • Start building or improving your credit history.

It's ideal for those seeking simplicity, speed, and a card that fits into their daily routine without complicating things.

See also: BMG Card: See how to apply for your credit without bureaucracy

May 29, 2025