Choosing a credit card can be a daunting task. Especially with the emergence of digital banks and so many options. Therefore, it is important to pay attention to the advantages and conditions of each card. Thus, you can choose the best option for your financial reality. In today's article, we'll show you two options: Lanistar card or PagBank card. Read on to find out which one to choose!

The Lanistar card is groundbreaking in its own right. Because it is polymorphic, that is, it gathers 8 cards in one. That's right! The application works as a kind of digital wallet, where you can register up to 8 of your cards. Lanistar operates in the credit function, but you can register debit, credit and even prepaid cards. In this way, the Lanistar card limit can be greatly increased. Because it depends exclusively on the limits of the cards you already have.

In short, Lanistar is a fintech that came up with the proposal to innovate the market. In partnership with Mastercard, the company promises to offer the safest card in the world. This is because with each purchase the security code (CVV) and the expiration date change. Thus, it becomes even more difficult to apply any type of blow. 

For those who like to travel, the Lanistar card is great. In addition to being accepted in international currencies, the application offers exchange rates. In addition, the card is accepted at any establishment accredited to Mastercard. That is, more than 38 million around the world. For the time being, the Lanistar card is still being tested in Brazil. However, you can already pre-register on the site.

PagBank is PagSeguro's digital account. The company offers several services, including credit cards. There are three card options with PagBank. See below.

This card contains the credit function, but only uses your account balance. Therefore, you must have a PagBank account to access it. In that sense, it is very similar to the prepaid card. However, as it is linked to the account, there is no issue fee. In addition, it is possible to control all transactions directly through the PagBank application.

The Pagbank credit card has no annual fee. However, in order not to pay this fee, it is necessary to make an investment in the bank or wage portability. In this sense, the PagBank card offers installment options of up to 18 interest-free installments. In addition, you also have the possibility to get a credit limit of 100% of the salary amount!

In addition, the limit of the card can change according to the relationship with the bank. For example, in salary portability. As soon as you ask for portability, the bank already analyzes your credit profile. In up to 17 days you can have 60% of your salary as initial credit. In terms of investment, the limit can reach up to 100 thousand reais. However, the investment must be made with a grace period of 180 days.

The PagBank prepaid card is an option similar to the account card. However, for this card it is necessary to pay a card issuing fee of R$12.90 and 19.90 monthly fee in case of inactivity. It is a good option for those who need a card for their children or employees. In addition, card recharge and balance control can be done directly through the PagBank application.

The main advantage of the Lanistar card is the fact that it has 8 cards in one. In addition, the fact that the security code and expiration date change with each purchase provides a lot of security. Therefore, you can combine practicality and security when leaving home with just one card. And you also have access to a digital wallet in the palm of your hand.

In addition, another great advantage is related to the limit of the card. This product does not require a credit review. This is because the card limit depends exclusively on the cards you register in the application. That way, the more cards you register, the higher the limit will be.

Below are some more benefits of the card:

In short, the PagBank card has several advantages. One of them is the possibility of making international purchases, online and using the credit function. This goes for both the prepaid card and the account card. In addition, withdrawals can be made on both cards. However, for withdrawals there is a fee of R$7.50 per withdrawal.

In terms of the credit card, there are some other advantages. For example, customers who opt for salary portability or investment in PagBank do not pay an annuity. In addition, the card does not require a minimum income. In this sense, the product also has a virtual version. It can be used for online purchases and even subscriptions to streaming apps.

In addition, the cards offer the benefits associated with the brand. In the case of the PagBank credit card, the flag is Visa. Thus, the Vai de Visa reward program offers discounts on products, stores, restaurants and even education and health platforms.

In short, the main disadvantage of the Lanistar card is that it is still in the testing phase in Brazil. But it's still worth the test. Since abroad the card is quite popular.

Furthermore, one of the disadvantages of the PagBank card is the fact that the prepaid card charges a monthly fee in case of inactivity. In addition, it is necessary to open a PagBank account. That way, it's only worth having the card if you decide to also have an account.

Finally, both cards have advantages and disadvantages. The Lanistar card is innovative, it gathers eight cards in one. With it, you combine practicality and security and also control your expenses with the palm of your hand. PagBank, on the other hand, offers more card options and lets you decide which one works best for you. It's worth reflecting on what will make the most sense for your reality.

So, while you don't decide, we leave you with another article option. In it we compare the Lanistar card to the Santander SX card. Check out!