Initially, the Méliuz Card or the Magalu Card are two card options with different proposals. If, on the one hand, we have the prepaid Méliuz card. On the other hand, we have the Magalu card, issued by Magazine Luiza, a network that is among the largest in Brazil.

Well, both have the Mastercard flag, international coverage, a wide variety of partner stores and, thus, guarantee a greater variety of offers for customers. So, let's get to know a little more about these two Méliuz and Magalu cards! Check out:

Initially, the Méliuz card is issued by Pan, one of the largest banks in Brazil. In this regard, the Méliuz card has no annual fee, that is, it does not charge a fee for card maintenance, as well as a cashback program with a return of up to 1.8% of money on purchases made with the credit card!

In this proposal, customers can redeem the amount in their checking or savings accounts when the minimum limit reached is R$20. And so, to apply for the Méliuz card, it is not necessary to be a Pan bank account holder, as the card is not linked to a digital or physical account!

So, to order the card, just download the Méliuz app, which is available in versions for Android and iOs, or access the Méliuz website directly. After that, the customer needs to fill in the fields with personal data and wait for Pan bank to return, which takes about 20 days.

If, within that period, your request is approved, the card will be sent to you within a period of 15 days. The Méliuz card has a Mastercard flag, international coverage and several exclusive offers to bring comfort and transparency to users!

Well, the Magalu card is a card that is part of the Magazine Luiza chains, which is one of the largest variety store chains in Brazil. And just like the Méliuz card, it has a Mastercard brand and international coverage, allowing you to make purchases in Brazil and abroad.

And in addition, through the Mastercard brand, customers get access to the Mastercard Surpreenda program and other Mastercard offers. To be on top of all your expenses with the Magalu card, you also have the Magazine Luiza app.

Therefore, the Magalu Card is a card with offers, discounts and all the accessibility you need to have a card with quality and efficiency!

So, let's get to know the advantages of the Méliuz card. At first, the first advantage of this card is the absence of annuity. That's because, there are no maintenance fees to access the credit card.

In addition, the Méliuz card also has a cashback program that gives customers up to 1.8% of cash back on purchases made using the Méliuz card. Another super advantage is the Mastercard Surprise program offers.

The Méliuz card also has an app, as does the Magalu card. In this app, you can track your card statement and cashback. It is important to mention that, even without downloading the app, you can follow along on the Méliuz website.

And one of the greatest advantages of the Méliuz card is the wide variety of partner stores such as Burguer King, Netflix, Casas Bahia, Americanas and a huge list that you can check in the app or on the website, as well as, there is the Ame program that works as a digital wallet!

Therefore, the Méliuz card is focused on variety, transparency, convenience and quality in providing services to its customers!

Well, the first advantage of the Magalu card is its international coverage, as it allows users to make purchases at establishments inside and outside Brazil. Furthermore, it also allows access to offers from Magalu stores that can be paid in up to 24 installments in stores and on the Magazine Luiza website.

Another advantage of the Magalu card is that the customer can access a 10% discount at the Magalu Offers Club, as well as on the Época Cosméticos website. Plus, you can get a 15% discount on the entire Netshoes Magazine Luiza website, as well as on Zattini products and on the Shoestock website.

Therefore, the Magalu card also has several advantages, as well as Méliuz, has a network of partner stores aimed at providing more shopping options and offers to customers!

At first, the fact that the Méliuz card does not have a virtual card for online purchases is one of the great disadvantages of this card. This is because purchases need to be made in physical stores, which in the current market is a waste of time and money.

And in addition, another disadvantage is that the Méliuz card withdrawal function is only released to restricted users, as well as the card does not have a mileage accrual program! But, let's face it, among so many discounts and offers, it leaves nothing to be desired, right?

Well, a disadvantage of the Magalu card that, unfortunately, reduces the number of users is the need to prove a minimum income of R$800. This is because there are several models on the market for credit cards that do not have this need, allowing greater user access.

And another disadvantage of the Magalu card is the annual fee of the Luiza Presencial Card 12x R$11.99 or R$143.88 in cash, which also becomes an obstacle in the face of proof and this annuity. Therefore, when choosing a card to shop, see if you meet all the necessary requirements!

Well then, the Méliuz card or Magalu card are safe, transparent card options that offer attractive and very different proposals. That is, it is necessary to calmly analyze the pros and cons of each of them. Remembering that both have Mastercard flag and partner stores.

So, see which of these card options is the best within your interests and needs! And if you still have doubts, check out a new card comparison below that we bring in recommended content: