At first, the Pagbank card or the Neon Card are two card options that are very similar to each other, for example, both have credit and prepaid functions and international coverage. That is, you can choose which function to use and even shop at national and international stores.

So, both present attractive proposals for customers, as well as allow customers to easily access card transactions!

Well, the PagBank card is a card that has no invoice and no annual fee. And to use it, just opt for cash credit at the credit card machine, however, the amounts will be deducted from the balance in the PagBank account.

That is, it works like a prepaid card, in order to use it, you need to have a balance in your account. Furthermore, only customers with a PagBank account can access the card! So, the card is free and has international coverage, allowing you to shop on websites outside Brazil.

This card also does not do credit analysis and does not require proof of income, being a great option for negatives. The fact is that to access PagBank, you just need to create a free account in the PagBank bank application. After that, choose the “cards” option and proceed to the request!

There are three PagBank cards: PagBank Prepaid Card, PagBank Credit Card and PagBank Account Card. This is because each one has a Visa or Mastercard brand, with exclusive offers and programs for customers.

Anyone can access a PagBank card, however, you must be a PagBank account holder, and the card request is limited to one per PagBank account. Therefore, when creating your account, choose carefully which model you are going to pedri!

At first, the Neon card is an example of a credit card that does not charge an annuity, that is, you do not pay to access the card, being completely free with a digital account that is also free. It has international coverage.

In this regard, Neon has a free digital account that gives access to all credit card services such as bill payment and financial transfers that can be made directly through the Neon bank app. To do this, just open the account and request the physical and virtual cards.

To apply for the Neon card, the customer must be over 18 years of age, have their RG and CPF in good standing and make the request through the Neon bank app. Next, the Neon bank will start the customer's credit analysis.

Therefore, the Neon card is a credit card model that has several advantages and services that bring more comfort to bank customers, for example, the ease of opening an account that can be done through the Neon bank application or Internet Banking.

So, let’s get to know the advantages of the PagBank card:

And in addition to these advantages, there are some that are unique to each card. For example, the PagBank prepaid card also offers recharges via bank slip or online debit through the PagBank account. And still, it's ideal for spending control; free shipping for PagBank customers and has a Mastercard flag.

In turn, there is the Pagbank Credit Card, which offers services such as payment of purchases in the credit function; use the balance of the PagBank account to pay the card bill and the balance is released immediately. You can also withdraw the limit of the card and several other discounts.

The PagBank Account Card has advantages such as the Vai de Visa program with exclusive offers from the Visa brand. In addition, you can use the balance in your account without having to top up and there are no costs to request and receive the card.

At first, one of the advantages of the Neon card is that it does not charge an annual fee, that is, you do not have to pay to maintain the card's services, as we mentioned earlier. Also, Neon has an application full of interesting functions!

In addition, the Neon card has a Visa flag with international coverage, giving customers discounts and offers such as the Vai de Visa program, as well as the possibility of making purchases in Brazil and anywhere in the world using the card.

There is also the option to pay invoices through automatic debit and the request and closure of the Neon account in the Neon bank application are completely free. Another advantage is that the Neon bank customer is entitled to 1 free monthly withdrawal!

Initially, a disadvantage of the PagBank card is the fee for withdrawing money from the Banco 24 Horas network, which costs R$7.50, as well as the TED transfer that costs R$1.99 per month (in this case, the customer has 5 free transfers per month).

Well, one of the biggest disadvantages of the Neon card is the fees charged by the Neon bank, which are considered high for transfers and in the case of paying in installments. And yet, Neon's approval takes time!

Well, the PagBank Card or Neon Card are card options with various discount programs and interesting offers that suit different people. Therefore, make an analysis of the cards and your financial situation, to find out which one is the best option!

But if you still have doubts, check out a new card comparison below that we bring in recommended content: