The Méliuz Card lets you earn free cashback on every purchase, making your spending more rewarding.
It’s a no-annual-fee credit card issued through a partnership between Méliuz and Banco Pan.
You can apply online and manage everything directly from the Méliuz app.
What is the Méliuz Card?
The Méliuz Card is a credit card created through a partnership between Méliuz and Banco Pan.
It allows you to earn cashback on all your purchases, both online and in-store. The card has no annual fee and can be fully managed through the Méliuz app.
How the Cashback System Works
The Méliuz Card cashback system is automatic and straightforward.
You earn a percentage of money back on every purchase you make, whether online or in physical stores. Here’s how it works in detail:
- Base Cashback Rate: You earn cashback on all purchases made with your Méliuz Card, credited directly to your account.
- Partner Stores: When you shop through Méliuz partner stores, your cashback percentage increases based on promotions.
- App Tracking: You can track your total cashback and pending rewards in real time through the Méliuz app.
- Redemption Process: Once you reach the minimum withdrawal amount, you can transfer the cashback to your bank account.
- Automatic Application: No need to activate offers manually — cashback is calculated automatically on eligible transactions.
Main Benefits of the Méliuz Card
This card gives you practical benefits for daily use. It focuses on cashback rewards without hidden fees or complicated rules. Here are its main advantages:
- No Annual Fee: You don’t pay any yearly maintenance costs for using the card.
- Cashback on Every Purchase: Earn money back on all your transactions automatically.
- Extra Cashback at Partner Stores: Get higher cashback rates when shopping through Méliuz partner platforms.
- Full App Control: Manage your card, monitor spending, and redeem cashback directly in the Méliuz app.
- Virtual Card Option: Use a digital version of your card for safe online shopping.
- Exclusive Offers and Discounts: Access special deals and campaigns available only for cardholders.
How to Apply
Applying for the Méliuz Card is quick and entirely online. You can complete the process through the website or mobile app without visiting a branch.
Follow these simple steps to get started:
- Step 1 – Access the Méliuz Platform: Go to the official Méliuz website or open the app on your smartphone.
- Step 2 – Create or Log in to Your Account: Use your CPF and personal details to sign up or log in.
- Step 3 – Fill Out the Application Form: Provide your basic information, income details, and contact data.
- Step 4 – Wait for Credit Analysis: Your request will be reviewed by Banco Pan to determine approval.
- Step 5 – Activate Your Card: Once approved, you’ll receive your physical card and can activate it through the app.
- Step 6 – Start Using and Earning Cashback: Use your card for purchases and track cashback in the Méliuz app.
Interest Rates and Fees
Before using the Méliuz Card, you should know the possible costs linked to credit and extra services.
Below is a summary of the current interest rates and fees from Méliuz’s official tariff table.
- Annual fee: Promotional waiver (no annual fee).
- Revolving interest (rotativo): 18.5% per month; CET 19.88% p.m. | 534.83% p.a.; CET 780.97% p.a.
- Revolving (past-due): 18.5% p.m.; CET 19.88% p.m. | 534.83% p.a.; CET 780.97% p.a.
- Invoice installment (parcelamento de fatura): 13.99% p.m.; CET 14.58% p.m. | 381.28% p.a.; CET 412.04% p.a.
- Compulsory installment: 13.99% p.m.; CET 14.58% p.m. | 381.28% p.a.; CET 412.04% p.a.
- Bill payment with the card (per operation): 14.70% p.m.; CET 16.08% p.m. | 418.51% p.a.; CET 498.53% p.a.
- Cash advance (ATM withdrawal): R$19.90 per withdrawal (paid on sight).
- IOF (financial tax) on financing: 0.38% upfront + 0.0082% per day (capped at 3%).
- Foreign purchases FX: PTAX of the prior day + 5% spread (IOF also applies).
- Late payment charges: 1% interest (mora) + 2% penalty (multa).
Managing Your Méliuz Card
Once you get approved, managing your card is simple and can be done entirely through the app.
You can track your expenses, cashback, and account settings in one place. Here’s how to manage your card effectively:
- Monitor Transactions: View your spending history and current balance instantly in the Méliuz app.
- Track Cashback: Check accumulated cashback and available balance in real time.
- Adjust Limits: Request a credit limit increase or decrease directly in the app.
- Activate or Block the Card: Easily control the card status if it’s lost, stolen, or for security reasons.
- Set Payment Alerts: Enable notifications for purchases, due dates, and cashback updates.
- View Statements: Download and review monthly statements with clear expense breakdowns.
- Security Settings: Update your PIN and enable additional verification for safer transactions.
Customer Support
You have multiple ways to get help with your Méliuz Card.
Use the app first for faster routing, then phone or email if needed. Here are the main support channels:
- In-app Help Center & 24/7 chat: Open the Méliuz app → Help Center to start a chat anytime.
- Web Help Center (submit a request): atendimento.meliuz.com.br → “Enviar uma solicitação.”
- Customer Service / SAC (Méliuz): 0800 301 0101 (SAC 24/7; Ouvidoria on business days 9:00–17:00).
- Accessibility line: 0800 771 0755
- Email (listed on Play Store): [email protected].
- Issuer (Banco PAN) phone support for cards: Capitals/metro 4002-1687; other regions 0800-775-8686 (Mon–Fri 8:00–21:00; Sat 9:00–15:00).
Tip: Start with the app chat or web Help Center so your case is logged with a protocol number.
The Bottomline
The Méliuz Card gives you real value through free cashback, simple management, and transparent costs.
It’s ideal if you want to save while using your credit card responsibly.
Apply today through the official Méliuz app or website and start earning cashback on your everyday purchases.
Disclaimer
Information about rates and fees may change according to Méliuz and Banco Pan’s official updates.
Always check the latest terms and conditions on the Méliuz website or app before applying or using the card.
