Costs /yr if you spend A year at $500/mo2% cashback+$120Currency fee−$108Crypto conversion−$54
2% cashback, no monthly fee
Get Bybit Card (partner link)Get card · partner link
Cozy Card
Tap the card to read the small print
Your first yearCosts about/yr
- Monthly fee · none
- $0
- Cashback
- None
- Currency fee · 0%
- $0
- ATM
- No ATM
- Your money
- Company holds it
- Sign-up
- Cwallet account + ID check
- Apple / Google Pay
- The card itself
- 10 USDT virtual, 79.9 USDT physical
How we calculateEstimate for everyday spending: most of it in your local currency, topping up with crypto.Checked November 10, sources in each section below
Our take
For paying for subscriptions and online services with crypto from a virtual card issued in seconds. Not for you if you want low fees: every top-up costs extra, and so does paying in other currencies.
Can show an ID? Compare with MiniPay Card
Good to know
- Works with ChatGPT, Claude and other AI subscriptions (USD Master)
- Top up with 17+ coins
- Card issued in seconds
- 1.8% on every top-up
- 1.5% on foreign payments (virtual cards)
- Frozen after 3 declines for low balance
Fees
SourceCwallet docs, how to create a Cozy Card (plan table, updated 31.10.2026) · checked November 10- Activation
- 10 USDT (HKD Pro), 12 USDT (USD Master), 79.9 USDT (USD Premium)Non-refundable
- Initial top-up
- 50 USDT (virtual cards), 0 (USD Premium)Goes to the card balance
- Paying in other currencies
- 1.5% (virtual), free (USD Premium)Card page says no foreign transaction fee
- Failed payments
- Cwallet Cozy Card page · November 10
- Charges exist, amounts not publishedCard page: 'failure-handling charges' shown in the app
Plans
HKD Pro10 USDT
- Virtual Visa, issued in Hong Kong
- Google Pay, PayPal
- 1.5% FX
USD Master12 USDT
- Virtual Mastercard, issued in the US
- Apple Pay, Google Pay, PayPal
- ChatGPT and AI subscriptions
- 1.5% FX
USD Premium79.9 USDT
- Physical Visa Business, issued in Singapore
- ATM withdrawals
- No FX fee
- No Apple Pay / Google Pay
Top up & withdraw
SourceCwallet docs, what is Cozy Card (updated October 2026) · checked November 10Top up
- Crypto
- From the Cwallet balance; 17+ coins incl. USDT, USDC, BTC, ETH, XRP, SOL
Withdraw
Countries not published
- How they check where you live
- Not published
- ID from another country
- Not published
- ID accepted
- Cwallet docs, how to create a Cozy Card (plan table, updated 31.10.2026) · November 10
- KYC is mandatory; supported ID document chosen in the app, photos or selfie if asked
- Pays in
- Cwallet docs, Cozy Card usage rules · November 10
- Where Visa / Mastercard works; not at fuel stations, crypto platforms, Uber, Grab, foodpanda, gambling
Trust
SourceCwallet terms of service · checked November 10- Card issued by
- Cwallet (Amarium s.r.o.); issuing banks not named
- Licence
- Cards issued in Hong Kong, the US and Singapore by unnamed partners
- Based in
- Slovakia (Amarium s.r.o., Cwallet operator)
Changes
- March 20Card spending earns Cwallet points
- November 10Cozy Card: facts read from Cwallet's card page and docs
Similar cards
All cards
Costs /yr if you spend A year at $500/moCurrency fee−$108
Card from one of the biggest crypto apps
Get Crypto.com Visa CardGet card
Free if you spend A year at $500/moNo fees and no cashback at this spend
No card fees, crypto back on purchases
Get Coinbase CardGet card
