First of all, would you be able to say which is better between the Afinz card or the PagBank card? It is worth remembering that both have a Visa brand and international coverage, but they also have differences. Therefore, it is ideal to analyze the characteristics, advantages and disadvantages of these financial products.

In view of this, today, we have brought you this comparison so that you can choose the one that meets your needs. So, continue reading and check out all the information. Let's go!

Just like other cards on the market, the Afinz credit card works basically the same way, because you use it during the month and, at the end, an invoice is issued. In addition, there is a limit that is pre-established according to the credit analysis and according to the use of your card, the limit can be increased.

As we mentioned, Afinz performs a credit analysis to approve the card, as well as to make the limit available, which means that if you have restrictions on your CPF, it may not be a good alternative.

Therefore, we recommend that you check your CPF with credit agencies and, if possible, clear your name. You can also pay any outstanding bills or try to pay in installments to start paying them little by little and, in this way, over time, apply for your card.

On the other hand, if you have a high credit score and your name is free of restrictions during the credit analysis, the limit will be established and you will be able to start using the card that has an international Visa brand, as well as discounts from partners and differentiated installments.

And, in addition, you get a 50% discount on the annual fee for additional cards you request and up to 40 days to pay for your purchases. So, continue reading to learn even more about the features and advantages of having an Afinz card.

The PagBank card is a credit card with an international Visa logo and an app to control expenses. At the end of the month, you will receive an invoice. You can also use it to make purchases in cash or installments at thousands of accredited establishments.

Furthermore, it is exempt from annual or monthly fees. PagBank sets an initial limit for the credit card and as you use it over the months to make purchases, the limit will increase. It is important to remember that this adjustment usually takes at least three months in most financial institutions.

Have you ever imagined being a user of a credit card that helps you get discounts on medical appointments, exams, medicines and even online courses? Well, this is the great advantage of the Afinz card.

This is because with the Você Bem Program, it is possible to get discounts on medicines, consultations and exams, as well as on dental services and up to 80% discount on the INove online course platform.

And, in addition, you can use your card without having to insert it into the machine, just by bringing it closer with the help of proximity technology, as well as with the Afinz app you can control all your expenses and have a more stable financial life.

Firstly, PagBank does not have an annual or monthly fee for you to access credit card services, meaning you do not need to worry about that annual fee that is often responsible for the debt of many users.

Likewise, the PagBank credit card has international coverage, that is, whether in national territory or not, you can use the card, as well as make purchases in stores that are partners of Visa, which is the brand of this card, in addition to taking advantage of the Vai de Visa program.

Among other advantages, the card has contactless payment, making your purchases simpler, safer and faster. In addition, it is possible to withdraw up to 20% of the credit limit at Banco24Horas ATMs, but be aware that this operation has a cost.

Despite being a very interesting financial product, the Afinz card has some disadvantages. First, the credit analysis is usually very rigorous, as the institution checks the user's name and CPF with credit agencies to look for possible irregularities. If any are found, the application will probably be denied.

In addition, there is also an annual fee of R$1,227.88. Of course, paying this amount annually means having access to quality services, but it is still an additional cost on top of the monthly credit card expenses.

Among the disadvantages of the PagBank card are the withdrawal fee of R$$29.99, as well as the interest on the revolving credit that can reach up to R$10,99% per month. This is because there are other cards on the market that do not charge for withdrawals and have a lower interest rate.

So, now that you know the features of the Afinz card or PagBank card, it becomes easier to know which is the best alternative for you.

It is worth noting that both have an international Visa flag, but they differ in their advantages. Therefore, it is important to carefully analyze what each of them offers.

But if you still have doubts, don't worry. So, click on the recommended content below and see another comparison between cards.