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Pix with Credit Card: Find Out How It Works

Now you can make transfers via Pix even if you don't have money in your account! Some banks even allow you to pay Pix in up to 12 installments on your credit card and here you will find out everything about the new feature

Make a Pix with credit card It is now a reality and customers of basically all financial institutions can now count on this feature, which allows instant transfers where the amount is charged to your credit card statement.

Through this modality, you can make payments even if you do not have money available in your account, remembering that transactions are only approved for those who have a limit available on their card.

This article explores how Pix works via credit card, its fees, how to carry out these operations, the advantages and when it is really worth opting for this modality.

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How Pix works with credit cards

O Pix with credit card It works in a similar way to traditional Pix, with the difference that the transaction amount will be debited from your credit card limit, instead of being withdrawn directly from your bank account.

This means that, when making a Pix using a credit card, the user is, in fact, taking out a short-term loan offered by the financial institution issuing the card, which will be paid on the next card statement or according to the payment agreement.

Furthermore, some banks allow customers to pay Pix in up to 12 installments via credit card, and it is important to know the conditions offered by your trusted institution before using the service.

What are the fees

The fees for carrying out a Pix with credit card may vary significantly between financial institutions, and it is possible to check the amount of the additional charge before finalizing the transfer.

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Some may offer the service for free, as a competitive differentiator, while others may charge a fixed fee per transaction or a percentage of the amount transferred.

It is important to check the conditions offered by your bank or card issuing company before carrying out a transaction, to avoid surprises on the invoice generated at the end of the month.

How to make Pix with a credit card

At the moment, it is possible to Pix with credit card on different platforms, and below you can see the procedure step by step:

In Digital Wallets

  1. Access your digital wallet through the official app;
  2. Enter your credit card details within the payment options;
  3. Select the option relating to Pix;
  4. Choose your Pix key and enter the amount you want to transfer;
  5. Choose the option to use your credit card as a source of payment;
  6. Enter the Pix recipient's data, which can be the Pix key, bank details or QR Code;
  7. Confirm transaction details and complete payment.

In Digital Banks

  1. Open your digital bank application;
  2. Go to the Pix section and select the option to pay or transfer;
  3. Enter the Pix value and confirm the recipient’s details;
  4. Choose to use your credit card as a payment method in the “Choose how to transfer” section;
  5. Complete the necessary data for the transaction and confirm.

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With QR Code

  1. Open the application of the financial institution where your credit card is registered;
  2. Select the Pix option and then the option to pay a QR Code;
  3. Use your cell phone camera to scan the recipient's QR Code;
  4. Check the information and choose your credit card as a payment method;
  5. Confirm payment.

Advantages of the service

O Pix with credit card combines the practicality and instantaneity of Pix with the payment flexibility of a credit card, offering several advantages:

  • Payment Flexibility: allows you to manage personal cash flow, using the deadline until the invoice is due to organize your finances;
  • Security and Speed: maintains the high security standards of the Pix, with the convenience of instant transactions;
  • Availability: available 24 hours a day, 7 days a week, including holidays;
  • Points and Benefits: allows you to accumulate points in the credit card loyalty program, depending on the issuer's policies.

When is it worth it?

Use the Pix with credit card It is worth it in several situations, especially:

  • In case of emergency, when you need to make a transfer but do not have a balance available;
  • To take advantage of credit card payment terms, better managing personal cash flow;
  • When rates are competitive compared to other forms of credit available.


O Pix with credit card is a welcome innovation in the financial world, bringing more options and flexibility to users. Despite the possible fees, the advantages offered make it a valuable tool for financial management.

As always, it is recommended to analyze the conditions offered by your bank or card issuer to maximize the benefits of this functionality.

With the step-by-step instructions provided, we hope you can make the most of the Pix on credit, combining practicality and efficiency in your financial transactions.

Picture of Barbara Silva

Barbara Silva

I am a writer passionate about words and the art of communicating ideas. With a versatile skill set and a curious mind, I have a talent for transforming complex topics into accessible and engaging content. My work covers a wide range of subjects, from technology and business to travel and lifestyle. With a creative approach and an open mind, I constantly seek to challenge myself and explore new perspectives, offering readers an informative and inspiring experience in each text produced.

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