Initially, the Méliuz card or Mooba card are two credit card options with advantage programs such as a cashback program and no annual fee for the Méliuz card. So, to get to know a little more about each of these cards, let's show you the pros and cons of each one of them!

The fact is that both are issued by Banco Pan and have innovative proposals so that customers have access to the best of credit cards and to guarantee credibility, security, transparency, comfort and quality in the provision of services.

Well, the Méliuz card is a card issued by Banco Pan, one of the largest banks in Brazil. Among the advantages of the Méliuz card, we have the absence of an annual fee and a super interesting cashback program that refunds up to 1.8% of money on purchases made with the credit card!

So, the Méliuz card has this cashback proposal to return 1.8% of cashback so that customers can redeem the amount in their checking or savings accounts when the minimum limit of R$20 is reached.

To apply for the Méliuz card, you don't need to be a Pan bank account holder or any other bank. That's because the card is not conditioned to any digital account, and you can only apply for the card!

So, to follow up on the request, just download the Méliuz app, which is available in versions for Android and iOs, or you can access the Méliuz website. Then, fill in the fields with your personal data and wait for Banco Pan to carry out the credit analysis, which usually takes about 20 days.

And so, if the Méliuz card is approved, it will be sent within a maximum period of 15 working days. And in addition, this card has the Mastercard brand, international coverage, that is, the customer can make purchases in stores in Brazil and in the world, as long as it is in physical stores.

Therefore, Méliuz is a transparent, safe and comfortable card so that users can apply quickly and efficiently!

Initially, Mooba is a platform that works as a partner for several online establishments. That is, when a user makes purchases at one of these establishments with a personalized link from the respective company, the latter receives a commission.

So, the Mooba platform provides the buyer with a value in the form of cashback. That is, if the customer buys at a Mooba partner store and the cashback of this store is 4%, if the purchase is worth R$100, then R$4 spent on the transaction will be returned.

And in addition, the Mooba card also has a card with its own cashback program. That is, when buying at any of the partner stores with their plastic, the customer receives twice the money back! Being a super advantage!

Well, the Mooba card has a relatively low annuity fee, does not do credit analysis, being a great option for people with a dirty name and the card has the VISA flag. It is important to mention that despite having an annuity, you can exempt yourself from this amount!

Therefore, the Mooba card is a card that offers a proposal that is different from all the others we have already mentioned here and offers a huge choice of partner stores so that you can do your shopping! That is, you can't waste time and, it's better to run to make the request, right?

Well then, let’s get to know the advantages of the Méliuz card:

Therefore, the Méliuz card brings several exclusive offers and discounts to customers, focusing on the security and transparency of the services provided by Banco Pan!

So, let's get to know the advantages of the Mooba card:

Therefore, the Mooba card, which is another option issued by Banco Pan, is also worth it for negative people, as it does not require a minimum income and has proposals to zero the annuity.

At first, one of the biggest disadvantages of the Méliuz card is the fact that there is no virtual card for online purchases. That is, purchases need to be made in physical stores, which becomes a major disadvantage compared to other credit cards today.

Another disadvantage is that the withdrawal function is only available to restricted users. Furthermore, the card does not have a mileage accrual program, which is also very common in other credit cards, being a little less advantageous!

Well, one of the biggest disadvantages of the Mooba card is the annual fee. This is because, we already know that most credit cards do not charge annuity amount, however, this amount can be completely reset by customers.

So, to be exempt from the annuity, the customer's monthly expenses must be greater than R$1,500.00 and, thus, the annuity will not be charged in the current month. And if in the next month the customer does not reach the minimum required, just pay the amount of R$15.00.

That is, there will be an exemption from the annuity in all months in which the invoice exceeds R$1,500.00. Therefore, the Mooba card allows you to adapt it to your needs and financial conditions, allowing you to enjoy all the advantages.

Well then, the Méliuz card or Mooba card are safe, transparent card options that offer innovative and attractive proposals so that customers feel really special. And even though there are some disadvantages such as charging an annuity in the case of Mooba, you can solve even this impediment, exempting yourself from the charge!

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