If you are looking to apply for a credit card with a discount program that is easy to apply for, the Banco Pan online card may be an interesting option for you.

From it, it is possible to make national and international purchases and access the benefits of the Mastercard brand. Thus, you can save on purchases by accessing the exclusive discounts they offer.

As the Banco Pan online card offers several advantages, it is common for the public to want to know more details about it to know if it is a good option.

Therefore, if you are considering applying for a Banco Pan card online, check the post below for the main characteristics of all bank cards to find out which one to ask for.

Namely, Banco Pan works by offering the public 4 card options. From them, you can access different annuity rates and a higher or lower score in the points program.

Below, you can see the main features of each Banco Pan online card.

This card is the only one that Banco Pan offers that is completely free of annual fees. And from it, you can access the Pan advantages club, where you have several discounts at partner stores.

The Banco Pan zero annuity card is the most basic option offered by the bank. In this way, with it, it is only possible to make domestic purchases and manage all of them from the bank application.

To apply for this card, you will need to prove an income equivalent to the current minimum wage.

The bank's International card offers you the PAN Mais points program! In it you can accumulate 1.0 points for every dollar spent on your card.

Unlike the previous option, this card can be used for international purchases and also offers cash back on your invoice!

And as with the zero annuity option, you must prove an income of one minimum wage to access it.

The bank's Gold option also offers you cashback and a points program. However, here you can earn 1.2 points for every dollar you spend.

Just like the Zero and Internacional cards, with Gold you also have access to the bank's benefits club so you can shop at a discount.

In addition, to apply for the Banco Pan Gold card, it will be necessary to prove an income of R$ 2,500.00.

Finally, Banco Pan also offers a Platinum credit card version, where you can accumulate 1.5 points for every dollar spent.

In addition, this option also has cashback on the invoice and the bank's advantage club that offers a discount at partner stores.

To apply for this card, it is necessary to prove a minimum income of R$ 5,000.00 in order to access all its benefits.

The Banco Pan online card is a credit card option that allows you to make purchases at various stores at a discount.

From this bank, you can access up to 4 different cards that were created to serve different audiences and thus offer good benefits.

From the basic option of the card to the Platinum, the user can access discounts on purchases and get rid of the annuity.

In addition, the card has its own points program and also offers invoice cashback on some of its cards.

Namely, the annual fee for Banco Pan cards varies according to the option chosen. But of all 4 cards, only the most basic option is fee-free. In the other options, it will be necessary to pay the following annuities:

Here it is important to point out that, although Banco Pan charges an annuity, it is still possible to get a discount based on the amount of expenses made on your card.

Namely, the bank is able to offer discounts of 25%, 50%, 75% and 100% on the annuity according to the range of expenses that each one of them has.

At first, the limit value of the Banco Pan online card will be defined based on the credit analysis that the institution will carry out in your profile.

In this way, it is not possible to know the exact amount of the limit that the bank will be able to release for you.

Nowadays, many digital banks allow their customers to request an increase in their credit card limit online.

However, Banco Pan does not work with this option. Therefore, to increase the limit, you can follow some practices that help improve your credit profile, such as:

By carrying out these simple practices, you will be able to improve your credit profile and, thus, receive an increase in the limit made by the bank itself.

To find out if the Banco Pan online card is a really worthwhile option, you need to know its advantages and disadvantages, as you can see below.

Namely, Banco Pan is able to offer several advantages to its customers. Among them, we highlight the main ones below.

Thus, by having a Banco Pan card online, you can access many interesting features to use on a daily basis.

Despite the good points, it is important to consider that the card also has some disadvantages.

The first is the need to prove income, and nowadays there are many digital bank cards that do not require this step in their application.

In addition, the fact that all cards that allow international purchases have an annual fee is also not very attractive to the public.

Applying for the Banco Pan card online is very easy! For this, you can go to the bank's website from your computer or cell phone and choose the card you would like to have.

With that, you just need to fill out a form with your data and then wait for your credit analysis to be completed.

So, if so, you just have to wait for your new credit card to be sent to your address.

And if you want to check out in more detail how the request works, just check the post below for the complete step by step to apply for the Banco Pan card online.