RedotPay Card
A custodial Visa card that pays cashback in USDs credit. 2 plans, from free to $129 a year.
- Terms checked 12 Sep 2026
- Visa
- Prepaid
- Custodial
- Apple Pay and Google Pay
- Cashback in stablecoins
- Earn on your balance
- Borrow against crypto
Not offered to people in the US. Pick another country above to see what it pays there.
Not available in the US
Pick a plan
Standard (Virtual / Physical / Solana)
$10 one-off, no cashback
−$20.83 a month, -1.0%
- Highest at this spend
Pro
$129 a year, 3% on the first $600, then nothing
−$12.75 a month, -0.6%
What you keep as spend grows
Hover the line to see other amounts.
Show as a table
| Monthly spend | What you keep | Plan |
|---|---|---|
| $250 | -1.33% | Standard (Virtual / Physical / Solana) |
| $500 | -0.15% | Pro |
| $750 | -0.03% | Pro |
| $1,000 | -0.27% | Pro |
| $1,500 | -0.52% | Pro |
| $2,000 | -0.64% | Pro |
| $2,500 | -0.71% | Pro |
| $3,000 | -0.76% | Pro |
| $4,000 | -0.82% | Pro |
| $5,000 | -0.85% | Pro |
| $6,000 | -0.88% | Pro |
| $7,500 | -0.9% | Pro |
| $10,000 | -0.93% | Pro |
Every fee
- Yearly fee
- $129
- FX fee
- 1.2% non-USD (on top of 1% conversion = ~2.2% on non-USD spend)
- Conversion fee
- 1% crypto-to-fiat conversion on all purchases (incl. USD); select-merchant surcharge 1.5% (min $0.50) on gaming/ads/social, first 3/mo waived; $0.20 small-txn fee after 5th txn/mo; $0.50 declined-txn fee after 3rd decline/mo
- Topping up
- On-chain crypto deposit free (0%, user pays gas); Binance Pay 1% (one source says free); credit/debit card or PayPal 3% (min $1)
- ATM withdrawals
- Physical card only; 2% up to $10,000/mo then 3%, + 1.2% if the currency isn't your card's default. $3,750/day and $50,000/mo, max 3 withdrawals/day and 30/month
- Card issue
- Virtual $10; Physical $100 (free worldwide shipping); Solana Edition $10
- Monthly fee
- $0 (standard); Pro membership $12.90/month or $129/year (annual also waives the $100 physical-card fee, waives RedotPay ATM fees on the first $1,000/mo and adds +1% Earn APY)
Our own test
We're buying things with crypto cards in AUD, USD, EUR and GBP from October and comparing what each card takes with the mid-market rate. What this card actually charges will show here and in our Q4 report.
Where these numbers come from
RedotPay Card's published terms, checked 12 September 2026. Where sources disagree we use the less generous reading.
- RedotPay help centre: card limitations and feesFee schedule
- RedotPay help centre: getting started with RedotPay ProHelp centre
- RedotPay help centre: purchases with a transaction feeHelp centre
Our research notes
RE-VERIFIED 2026-09-12 against the official RedotPay help centre (fee table effective 2025-12-01, article updated 2026-07-24) and the Pro launch announcement. redotpay.com/en/fees and /en/rewards are now 404. The help centre is the authoritative source. RESOLVED: (1) Pro is OFFICIAL (launched 2026-06-12), priced $12.90/month OR $129/year, 3% on Apple/Google Pay spend only, capped at 18 USDs/month. The annual plan also waives the $100 physical-card fee, waives RedotPay ATM fees on the first $1,000/mo and adds +1% Earn APY; fees are non-refundable. (2) Cashback is NOT a stablecoin transfer: it is 'Reward USDs', in-app credit that can only offset card purchases, is non-withdrawable and non-transferable, and EXPIRES after 30 days. Modeled as cashbackToken 'USDs credit' with monthlyRewardCap 18. (3) ATM terms are resolved (2% to $10k/mo then 3%; $3,750/day, $50,000/mo, 3/day, 30/mo). The old 'sources conflict heavily' caveat is retired. (4) Canada and Singapore are NOT restricted; the US is blocked by BOTH citizenship (KYC) and location. Tanzania was added to the location list. (5) Samsung Pay is not supported, so it was removed. (6) RLUSD, BCH and LTC were added as supported assets in July 2026. (7) Credit Account interest is 0.05%/day simple (18.25%/yr), liquidating at a risk index ≥0.9. NEWS: Binance affiliates sued RedotPay's founders in Hong Kong for $472.8M on 2026-08-05 (RedotPay is defending); the $1B US IPO was delayed in August to 2027+; a first US money-transmitter licence landed 2026-08-20 but the US is still not served. Earn's APY is not officially published and is region-limited. Treat the old ~6.5% as indicative only. STILL UNVERIFIED: referral commission rates (in-app only), Pro Solana-edition card fee, and Pro eligibility by region. Standard cards still pay 0% cashback; the widely-cited '2%' remains unsupported. Solana Card launch promo (1.5%–3%, Feb 2026) ENDED Feb 28 2026; not modeled. No staking/holding requirement at any tier. ATM monthly/daily limits and fee structure conflict heavily across sources. $REDOT token/airdrop is speculative with no confirmed TGE.
What's good and what to watch
Good
- Free standard tier with no monthly fee; free on-chain crypto top-up (0%)
- Visa, virtual + physical + Solana Edition, 100+ countries
- Apple Pay and Google Pay supported
- Very high spend limits ($100k/txn, $1M/day)
- Fast KYC (2–10 min via Sumsub)
Watch
- Standard cards earn ZERO cashback; only the paid Pro tier ($129/yr) earns rewards
- Pro 3% cashback applies ONLY to Apple/Google Pay spend and is capped at 18 USDs/mo (~$600 of spend), so the $129/yr fee eats most of it
- Cashback is paid as 'Reward USDs': in-app credit that only offsets card purchases, can't be withdrawn or transferred, and EXPIRES after 30 days
- Custodial: RedotPay holds your crypto via Fireblocks
- 1% conversion fee on ALL spend incl. USD; ~2.2% total on non-USD purchases
- US is excluded (citizenship-based); ATM is physical-card only with high, conflicting fees
- Card/debit top-ups and PayPal cost 3%
Borrow against your crypto (credit)Credit Account
Pledge crypto (BTC, ETH, SOL, XRP, BNB and more) as collateral for a spendable USD credit line, then spend on the card without selling; ~0.05%/day (~18% APR), with LTV varying by asset.
It's a loan: rates vary, and your collateral can be liquidated if prices fall.
At a glance
- Network
- Visa
- Custody
- custodial
- Card type
- prepaid
- Form
- Physical & virtual
- Mobile wallets
- ✓ Apple Pay✓ Google Pay
- Chains
- EthereumBNB ChainTronPolygonArbitrumBaseSolanaSonicTONBitcoin
- Tokens
- USDTUSDCRLUSDBTCETHBNBSOLTONTRXXRPSUIBCHLTC
- Availability
- 100+ countries
- KYC
- Mandatory for all users (provider: Sumsub; gov photo ID + liveness scan)
- Extra rewards
- Unconfirmed token plans (not in the rate) · Points program
- Funding
- On-chain crypto depositBinance PayInternal RedotPay transferTelegram Mini-App (USDT on TON)Credit/debit cardPayPal
- Spending limit
- $100,000 per transaction; $1,000,000 per day
- ATM limit
- Physical card only; $3,750/day · $50,000/mo · 3 withdrawals/day · 30/month (some countries $3,000/day · $10,000/mo)
Perks and benefits
- Idle-balance yieldOptional RedotPay Earn on USDC/USDT (rate variable and not officially published; region-limited), separate from the card balance
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General information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates; terms change; crypto is volatile.
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