{"id":465092,"date":"2026-08-09T11:45:37","date_gmt":"2026-08-09T14:45:37","guid":{"rendered":"https:\/\/mrnews.com.br\/?p=465092"},"modified":"2026-08-09T11:45:37","modified_gmt":"2026-08-09T14:45:37","slug":"picpay-epic-o-cartao-que-virou-a-porta-de-entrada-da-alta-renda-e-por-que-o-proximo-passo-e-o-world-legend","status":"publish","type":"post","link":"https:\/\/mrnews.com.br\/index.php\/2026\/08\/09\/picpay-epic-o-cartao-que-virou-a-porta-de-entrada-da-alta-renda-e-por-que-o-proximo-passo-e-o-world-legend\/","title":{"rendered":"PicPay Epic, o cart\u00e3o que virou a porta de entrada da alta renda (e por que o pr\u00f3ximo passo \u00e9 o World Legend)"},"content":{"rendered":"
O PicPay entrou de vez no segmento de alta renda. O Epic \u00e9 o topo da grade da fintech, acima do Black. Cashback maior, salas VIP, investimento turbinado. Mas ele tem um teto. E esse teto tem nome: World Legend. Segundo o especialista de Viagens do Viagem Black, Hugo Reis<\/strong>, o Epic World Legend<\/a> ser\u00e1 o mais f\u00e1cil de todo eles, a princ\u00edpio.<\/p>\n

Neste review, voc\u00ea v\u00ea a ficha t\u00e9cnica completa do Epic e entende por que ele \u00e9 o cart\u00e3o certo para agora, n\u00e3o para sempre.<\/p>\n

PicPay Epic: ficha t\u00e9cnica<\/h2>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Item<\/th>\nDetalhe<\/th>\n<\/tr>\n
Bandeira<\/td>\nMastercard<\/td>\n<\/tr>\n
Anuidade<\/td>\nR$ 1.068,00\/ano (12x de R$ 89,00)<\/td>\n<\/tr>\n
Elegibilidade<\/td>\nConvite ou aprova\u00e7\u00e3o por perfil de renda e relacionamento com o PicPay<\/td>\n<\/tr>\n
Forma de isen\u00e7\u00e3o<\/td>\nAutom\u00e1tica ao atingir R$ 5.000 em compras no cr\u00e9dito no ciclo. PicPay tamb\u00e9m libera 1\u00ba ano gr\u00e1tis em campanhas para clientes selecionados<\/td>\n<\/tr>\n
Cashback Brasil<\/td>\n1,3% em compras nacionais<\/td>\n<\/tr>\n
Cashback exterior<\/td>\nAt\u00e9 4% em compras internacionais<\/td>\n<\/tr>\n
IOF<\/td>\n3,5% sobre compras internacionais (padr\u00e3o do mercado)<\/td>\n<\/tr>\n
Spread cambial<\/td>\nCerca de 5% sobre o c\u00e2mbio, somando quase 9% de custo extra fora do pa\u00eds<\/td>\n<\/tr>\n
Salas VIP<\/td>\nIlimitado no Mastercard VIP Lounge de Guarulhos + 2 acessos anuais via LoungeKey<\/td>\n<\/tr>\n
Benef\u00edcios adicionais<\/td>\nAmazon Prime incluso, seguro viagem, garantia estendida, reembolso de diferen\u00e7a de pre\u00e7o, Mastercard Surpreenda, parcelamento internacional em at\u00e9 3x sem juros<\/td>\n<\/tr>\n
Investimentos<\/td>\nRentabilidade de at\u00e9 200% do CDI para at\u00e9 R$ 50 mil aplicados<\/td>\n<\/tr>\n
Como conseguir<\/td>\nPelo app do PicPay, sujeito a an\u00e1lise de perfil e volume de movimenta\u00e7\u00e3o<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Vantagens do Epic<\/h2>\n

O cashback internacional \u00e9 o ponto alto. Isen\u00e7\u00e3o de anuidade f\u00e1cil de bater. Sala VIP ilimitada em Guarulhos, algo raro nesse patamar. Tudo dentro do app, sem burocracia de ag\u00eancia.<\/p>\n

O contraponto: IOF mais spread deixam o c\u00e2mbio caro, quase 9% a mais. E as experi\u00eancias de luxo de verdade (concierge, hot\u00e9is five-star, Michelin) ainda n\u00e3o est\u00e3o no pacote.<\/p>\n

O teto do Epic \u00e9 o piso do World Legend<\/h2>\n

O World Legend \u00e9 a nova bandeira m\u00e1xima da Mastercard no Brasil, acima do Black. O PicPay j\u00e1 \u00e9 um dos emissores confirmados. Compare:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n
Item<\/th>\nPicPay Epic<\/th>\nMastercard World Legend<\/th>\n<\/tr>\n
Posicionamento<\/td>\nAlta renda<\/td>\nAlt\u00edssima renda<\/td>\n<\/tr>\n
Elegibilidade<\/td>\nRenda alta \/ bom volume de gastos<\/td>\nFaturamento acima de R$ 90 mil\/m\u00eas ou grande patrim\u00f4nio investido<\/td>\n<\/tr>\n
Cart\u00e3o f\u00edsico<\/td>\nPl\u00e1stico<\/td>\nMetal ou cer\u00e2mica<\/td>\n<\/tr>\n
Seguro viagem<\/td>\nCobertura padr\u00e3o MasterAssist<\/td>\nAt\u00e9 US$ 1 milh\u00e3o, com responsabilidade civil em aluguel de carro<\/td>\n<\/tr>\n
Salas VIP<\/td>\nIlimitado em Guarulhos + LoungeKey<\/td>\nRede ampliada + The Mastercard Collection<\/td>\n<\/tr>\n
Hot\u00e9is e restaurantes<\/td>\nN\u00e3o incluso<\/td>\nCheck-in\/checkout flex\u00edvel em hot\u00e9is como Copacabana Palace e Pal\u00e1cio Tangar\u00e1, valet e prioridade em restaurantes Michelin<\/td>\n<\/tr>\n
Atendimento<\/td>\nSuporte padr\u00e3o via app<\/td>\nConcierge dedicado<\/td>\n<\/tr>\n
Como conseguir<\/td>\nApp do PicPay<\/td>\nConvite dos emissores habilitados (PicPay \u00e9 um deles)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Por que vale j\u00e1 mirar o upgrade<\/h2>\n

O Epic te coloca na fila certa. Quem mant\u00e9m volume alto de gastos e boa movimenta\u00e7\u00e3o no PicPay tende a ser o primeiro a receber convite quando os emissores abrirem o World Legend para o p\u00fablico. O lan\u00e7amento no Brasil j\u00e1 est\u00e1 em andamento, com sete institui\u00e7\u00f5es habilitadas, e o PicPay \u00e9 uma delas.<\/p>\n

A recomenda\u00e7\u00e3o \u00e9 direta: use o Epic com consist\u00eancia agora. Fique de olho nos convites. O pr\u00f3ximo salto de patamar em cart\u00e3o premium no Brasil j\u00e1 tem nome, e ele n\u00e3o \u00e9 o Black.<\/p>\n

Vale pedir o Epic hoje?<\/h2>\n

Vale, sim. \u00c9 o melhor cart\u00e3o do PicPay dispon\u00edvel agora, com anuidade f\u00e1cil de zerar e cashback forte fora do Brasil. Mas trate-o como degrau, n\u00e3o como destino. O World Legend \u00e9 o pr\u00f3ximo cap\u00edtulo.<\/p>\n

\n

Fontes: Viagem Black<\/a>, MRNews<\/a>, PicPay (termos e condi\u00e7\u00f5es Epic), Mastercard Newsroom, Finsiders Brasil.<\/em><\/p>\n

Tags: picpay epic, mastercard world legend, cart\u00e3o de cr\u00e9dito alta renda, cashback internacional, salas vip, review cart\u00e3o picpay, viagemblack<\/em><\/p>\n<\/article>\n","protected":false},"excerpt":{"rendered":"

O PicPay entrou de vez no segmento de alta renda. O Epic \u00e9 o topo da grade da fintech, acima do Black. Cashback maior, salas VIP, investimento turbinado. Mas ele tem um teto. E esse teto tem nome: World Legend. Segundo o especialista de Viagens do Viagem Black, Hugo Reis, o Epic World Legend ser\u00e1 …<\/p>\n","protected":false},"author":1,"featured_media":464601,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[13978,2],"tags":[],"class_list":["post-465092","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bancos-e-financas","category-entretenimento"],"yoast_head":"\nPicPay Epic, o cart\u00e3o que virou a porta de entrada da alta renda (e por que o pr\u00f3ximo passo \u00e9 o World Legend)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mrnews.com.br\/index.php\/2026\/08\/09\/picpay-epic-o-cartao-que-virou-a-porta-de-entrada-da-alta-renda-e-por-que-o-proximo-passo-e-o-world-legend\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PicPay Epic, o cart\u00e3o que virou a porta de entrada da alta renda (e por que o pr\u00f3ximo passo \u00e9 o World Legend)\" \/>\n<meta property=\"og:description\" content=\"O PicPay entrou de vez no segmento de alta renda. 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