Crypto Card FinderBeta
← All cards

RedotPay Card

by RedotPay (Hong Kong; custody via Fireblocks) · Updated 2026-06-28

Get my RedotPay Card
Marketed: 3.0%Your effective cashback: -0.9% (-$43/mo) at $5,000/mo on the Pro plan
Cashback earned on your spend
$600 spent × 3.0%
3.0% applies to the first $600/mo of spend
$18/mo
$4,400 spent × 0.0%
0.0% on the rest of your spend (no cap)
$0/mo
Gross cashback per month
sum of the bands above, before fees
$18/mo
Annual cashback
$18/mo × 12 months
$216/yr
Fees subtracted (first-year view)
Annual membership fee
recurring cost to hold this plan
−$129/yr
Estimated FX / conversion fee
~1.0% on your spend, from foreign-currency markup and/or crypto-to-fiat conversion (region: US). An estimate; confirm current terms.
−$600/yr
Net cashback after fees
annual cashback minus all fees
-$513/yr
Effective cashback rate
net ÷ your annual spend (-0.9%)
-0.9%

Based on your monthly spend, edit it on the home page.

At a glance

Network
Visa
Custody
custodial
Card type
prepaid
Form
Physical & virtual
Mobile wallets
✓ Apple Pay✓ Google Pay
Chains
EthereumBNB ChainTronPolygonArbitrumBaseSolanaSonicTONBitcoin
Tokens
USDTUSDCBTCETHBNBSOLTONTRXXRPSUI
Availability
100+ countries
KYC
Mandatory for all users (provider: Sumsub; gov photo ID + liveness scan)
Extra rewards
Possible airdrop · 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; limits conflict heavily across sources ($10k–$200k/mo; $3,750–$5,000/day), verify

Spend without sellingCredit 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.

Pros

  • Free standard tier with no monthly fee; free on-chain crypto top-up (0%)
  • Visa, virtual + physical + Solana Edition, 100+ countries
  • Apple Pay, Google Pay and Samsung Pay supported
  • Very high spend limits ($100k/txn, $1M/day)
  • Fast KYC (2–10 min via Sumsub)

Cons

  • 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 $600/mo (~$18/mo max), barely beating the annual fee
  • 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%

Cashback plans

Fees

FX markup
1.2% non-USD (on top of 1% conversion = ~2.2% on non-USD spend)
ATM
Physical card only; 2% up to $10,000/mo then 3% (per CryptoSlate; flat 2% per other sources) + 1.2% FX if foreign currency. Limits conflict across sources (verify)
Spending (crypto→USD)
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
Funding / top-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)
Issuance
Virtual $10; Physical $100 (free worldwide shipping); Solana Edition $10
Monthly
$0 (standard); Pro membership $129/year

Perks & benefits

Get my RedotPay Card

We may earn a commission if you sign up through our links, but it never affects our rankings or the cashback math.

Sources & how we verify this

Researched June 2026; verify terms before publishing. Official redotpay.com/en/fees and /en/rewards returned HTTP 403; figures sourced from helpcenter.redotpay.com + cross-checked reviews (CryptoSlate, CoinCodeCap, SpendNode, CryptoCardHub, Cryptonoshi, CardPilled, Coin Bureau); re-check official fee/rewards pages directly. The widely-cited '2% cashback' is NOT supported; standard cards pay 0%. Pro tier details (3%, $600/mo cap, Apple/Google-Pay-only, $129/yr) are single-source (SpendNode) and NOT independently corroborated; verify. Cashback payout currency is unconfirmed (no source specifies; referral/welcome bonus paid in USDT/USDC so likely a stablecoin). 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.

Card terms are researched and illustrative, so always confirm the latest with the issuer. Nothing here is financial advice.

RedotPay CardGet RedotPay Card