Issuer referenceNeobank / money appMastercard

PicPay Card

A Brazilian Mastercard from a fintech app that separately offers crypto trading and custody.

PicPay CardMastercard

PicPay Card is a Brazilian Mastercard line with virtual and physical access plus debit and eligible credit functions. PicPay also offers in-app crypto buying and selling, but its current consumer terms name separate entities and flows: PicPay Bank intermediates crypto, Foxbit provides custody and liquidity, and card spending uses the payment account or approved credit. It belongs here as a crypto-enabled neobank card, not a direct crypto-spend card.

Go to official site View all cardsReviewed 2026-08

Rewards

No verified cashback

Fees

Current product page advertises zero annual fee for eligible cards; confirm the live offer and tier in the app

Custody

Custodial

Eligibility

Brazil for eligible PicPay account holders. Debit access follows the payment-account terms; credit, tiers, and benefits remain subject to approval and product eligibility.

Fees

Monthly feeCurrent product page advertises zero annual fee for eligible cards; confirm the live offer and tier in the app

IssuanceNo single public issuance price covers every current debit, credit, and tier configuration; confirm before requesting

FXInternational transactions follow Mastercard conversion plus applicable taxes and programme charges; no fixed public spread was found in the reviewed pages

ATMThe debit terms allow cash withdrawals when available; current limits and fees must be checked in the live tariff and app

Top-upsSpending uses the BRL payment-account balance or approved card credit. PicPay crypto is a separate service and current terms do not document direct card debit from crypto balances.

Rewards

Current card materials mention eligibility-specific cashback and benefits but do not promise a fixed crypto reward rate.

Availability

Brazil for eligible PicPay account holders. Debit access follows the payment-account terms; credit, tiers, and benefits remain subject to approval and product eligibility.

Latin America

Official sources

PicPay consumer termsCurrent payment-account entity and address, PicPay debit-card issuer and Mastercard terms, separate PicPay Bank crypto intermediary, and Foxbit custody and liquidity role.PicPay credit cardCurrent PicPay Card Mastercard line, virtual card, debit and credit functions, international scope, eligibility-qualified zero-annual-fee and cashback claims.PicPay cryptocurrency serviceCurrent separate cryptocurrency buying, selling, stablecoin, alert, and yield service inside PicPay.

Pros & cons

Pros

Virtual and physical Mastercard
Debit and eligible credit functions
International use
Crypto service in the same app
Current crypto custodian is named

Cons

Fiat-funded card, not direct crypto spending
Brazil-specific product
Credit and benefits require eligibility
No single public fee schedule covers every tier
No fixed crypto cashback documented

Best for

Brazil residents wanting payments, cards, and crypto in one app
Existing PicPay users
Users comfortable selling crypto into BRL before card spending

Alternatives

Inter Mastercard

Check official terms

Bipa Card

Check official terms

Foxbit Card

Check official terms

Crypto.com Visa

Check official terms

This is not financial advice. Conditions change frequently: verify fees, rewards, custody and eligibility on the official site before applying.

Fees

Monthly feeCurrent product page advertises zero annual fee for eligible cards; confirm the live offer and tier in the app

IssuanceNo single public issuance price covers every current debit, credit, and tier configuration; confirm before requesting

FXInternational transactions follow Mastercard conversion plus applicable taxes and programme charges; no fixed public spread was found in the reviewed pages

ATMThe debit terms allow cash withdrawals when available; current limits and fees must be checked in the live tariff and app

Top-upsSpending uses the BRL payment-account balance or approved card credit. PicPay crypto is a separate service and current terms do not document direct card debit from crypto balances.

Pros & cons

Pros

Virtual and physical Mastercard
Debit and eligible credit functions
International use
Crypto service in the same app
Current crypto custodian is named

Cons

Fiat-funded card, not direct crypto spending
Brazil-specific product
Credit and benefits require eligibility
No single public fee schedule covers every tier
No fixed crypto cashback documented