The Pacífico Card gives you a complete set of features for travel, shopping, and financial flexibility. It comes with options tailored to different needs, whether you're looking for security or perks abroad.
This guide explains what you get, how to apply, and what flexible repayment terms are available, making handling large or unexpected expenses easier.
About Pacífico
Pacífico is a financial institution in Ecuador that offers banking and digital tools. It serves individuals and businesses Pacífico operates through traditional branches and online platforms.
It offers a full range of services like credit, insurance, savings, and investments. The bank is known for its secure platforms and 24/7 customer support. Cardholders benefit from global acceptance through Visa and Mastercard.
The mobile app allows easy control of card settings and expense tracking. Pacífico continues to grow its offerings to meet the needs of everyday users and travelers alike.
Key Benefits You Get with the Pacífico Card
This section covers the core advantages of owning a Pacífico Card. These benefits are useful for day-to-day spending, travel, and flexible repayments.
- Get access to cash advances through PacifiCard Cash from $300 up to 100% of your available balance.
- Use contactless payments for fast, secure in-store transactions without swiping or inserting.
- Make online purchases safely with Mastercard SecureCode or Verified by Visa.
- Enjoy international perks like mileage accumulation and Priority Pass lounge access.
- Receive international assistance and travel insurance, especially useful for frequent flyers.
- Manage flexible repayment terms, making large or unexpected expenses easier to handle.
Pacífico Card Reward Programs and Loyalty Options
Many users want to know how to benefit from using the card beyond just spending. Pacífico Card offers solid reward and loyalty programs.
You accumulate miles or points each time you use your card. These points can be used for airline tickets, tour packages, or even hotel stays. You can track and manage your rewards directly from the bank's portal or app.
The card also connects to exclusive programs depending on whether you hold a Mastercard or a Visa. Mastercard Black links to Priceless Cities, while Visa Infinite offers access to the Visa Luxury Hotel Collection. These reward systems add real-world value, especially if you travel or shop often.
Security Features That Protect You
Security is important when you're shopping online or using your card abroad. Below are the built-in tools that help keep your card and data safe.
- All cards come with chip technology and contactless payment to protect your physical transactions.
- Online shopping is protected with Verified by Visa or Mastercard SecureCode.
- You can block your card instantly through Intermatic Virtual Banking if it’s lost or stolen.
- Get 24/7 access to customer support for help with security issues.
- The bank uses two-step verification to prevent unauthorized access.
- You stay in control of your card settings through the online dashboard or app.
Payment Flexibility That Matches Your Budget
Having different ways to manage payments helps reduce financial stress. Pacífico Card offers flexible options that can be adjusted based on your monthly needs.
The Deferred Flex feature allows you to convert purchases from $100 up to 48 months of fixed installment payments. This applies to both domestic and international expenses. You can also defer your current card balance, making it easier to manage large amounts.
Cash advances are another flexible option. You can borrow a portion of your credit limit and pay it back in monthly installments for up to 36 months. All of this can be managed using the bank's virtual tools.
Options: Mastercard Black and Visa Infinite
Not all credit cards offer the same perks. Pacífico gives you two main types, each tailored to a different kind of user.
Mastercard Black is ideal if you're looking for premium travel features. You get access to over 600 VIP lounges through Priority Pass and exclusive Mastercard perks. It also includes theft and loss protection for luggage.
Visa Infinite comes with similar benefits but is backed by Visa's global service network. It adds protection for travel delays, as well as access to luxury hotels and customer support during international trips. Both options give you high-value experiences depending on your preferences.
How to Apply for Your Pacífico Card?
Follow the steps below to apply for your Pacífico Card quickly and easily. The process can be done online in just a few minutes.
- Visit the Banco del Pacífico website and go to the "Apply Online" section.
- Select "Apply for your Mastercard or Visa".
- Fill in the form with your full name, ID number, and income information.
- Choose your preferred card option based on your lifestyle needs.
- Submit the application and wait for follow-up instructions from the bank.
- Once approved, your card will either be mailed or prepared for branch pickup.
- Use the online portal to check your application status in real time.
Interest Rates and Terms You Should Know
Understanding the costs of using your card is important. The interest rate depends on how you use the card and your profile.
For regular consumption, the nominal interest rate is 15.6042%, and the effective rate is 16.77%. This applies to purchases and standard credit card transactions. For comparison, housing-related credit has a lower nominal rate of 10.9440% and an effective rate of 11.51%.
Online Tools to Manage Your Card
You’re not limited to in-branch services. The bank gives you access to Intermatic Virtual Banking to manage your card anytime.
Using the web platform or app, you can view transaction history, set payment reminders, and check your available balance. It also lets you manage rewards, adjust installment plans, and change security settings.
If you lose your card or detect suspicious activity, you can block it immediately through the platform. This tool also provides downloadable statements and electronic receipts. Everything you need to track your finances is available in one place.
Who Can Apply: Basic Eligibility?
Not everyone qualifies by default. The bank has clear requirements to apply for any Pacífico Card.
You need to be 18 years or older, have a valid Ecuadorian ID or passport, and show proof of monthly income. The exact amount depends on the card you’re applying for. Your credit score will also influence approval.
Self-employed applicants may be asked to provide additional documentation. Approval is not guaranteed, and limits vary. The bank may contact you for extra verification.
Contact Details and Customer Help
The bank offers several contact options if you need help or want to follow up on your application. It provides assistance both online and in person.
- Website: www.bancodelpacifico.com
- Online Access: Intermatic Virtual Banking
- Help Form: Use the "Contact Us" option from the main website
- In-Person: Visit a Banco del Pacífico branch during business hours
You can also retrieve your statements, receipts, or request assistance with credit features directly through the portal.
Disclaimer: These rates are public and may change based on financial conditions. Always confirm the latest rate before signing any credit agreement.
Final Words: Should You Apply?
If you're looking for a reliable card with real benefits, the Pacífico Card stands out. It offers strong security, good rewards, and flexible repayment plans.
You can manage everything online, from transactions to support. Applying is easy, and it gives you access to tools that go beyond just spending power.
Last updated on May 8th, 2025 at 06:01 am
