Costs /yr if you spend A year at $500/mo2% cashback+$120Currency fee−$108Crypto conversion−$54
2% cashback, no monthly fee
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DeCard Visa
Tap the card to read the small print
Your first yearCosts about/yr
- Monthly fee · none
- $0
- Cashback
- None
- Currency fee · 1.8%
- /yr
- ATM
- 1%, min $5
- Your money
- Company holds it
- Sign-up
- Singpass or passport + proof of address
- Apple / Google Pay
- The card itself
- Virtual free, physical $10
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 people in the region who want a regulated card they settle in stablecoins with no conversion markup. Not for you if you pay in many currencies: foreign payments carry a fee.
Pay in other currencies a lot? Compare with MEXC Card
Good to know
- No annual fee
- No fee to pay in USDT or USDC
- Issuer with decades of card history
- 1.8% on foreign-currency payments
- $5 a month after 90 days unused
- 28% a year on unpaid balances
Fees
SourceDeCard help center, fees and charges · checked November 10- Annual fee
- $0SGD and USD cards; Luminaries US$388
- Virtual card
- Free
- Physical card
- $10Plus postage, varies by market
- Paying abroad
- 1.8%On transactions not in the card's currency; Luminaries 0%
- Paying in USDT or USDC
- 0% markup, 0% funding fee
- Inactive account
- DeCard help center, inactive account fee · November 10
- $5 a monthAfter 90 days with no transaction
- Interest
- 28% a yearOnly if the statement isn't paid in full; min $3 a month
Plans
DeCard (USD or SGD)$0 / year
- Virtual free, physical $10
- 1 DePoint per $1
- 1.8% FX outside the card's currency
DeCard LuminariesUS$388 / year
- Metal card included
- 0% FX
- 2% / 3% / 10% cashback by monthly spend, up to $200 a month
- 2 DragonPass lounge visits, travel insurance, concierge
Limits
SourceDeCard and DeCard Luminaries terms (02.10.2026) · checked November 10- Spending
- Credit limit set by DCSRaised by prepaying
- ATM
- DeCard help center, ATM withdrawals · November 10
- $3,000 per withdrawal, $10,000 a day, $100,000 a month20 a day, 30 a month
Top up & withdraw
SourceDeCard and DeCard Luminaries terms (02.10.2026) · checked November 10Top up
- Bank
- Fiat repayment
Withdraw
- Back to crypto
- Not publishedPrepayments become DCS's property; a leftover credit balance can be returned on closure, a transfer fee may apply
- Cash withdrawal
- DeCard help center, ATM withdrawals · November 10
- 1% or $5, whichever is greaterPlus the ATM operator's fee
For residents of 9 countries
Not on the list? Then DeCard Visa doesn't accept people living there yet.
- How they check where you live
- Singpass, or identity and proof of address documents
- ID from another country
- Not published
- ID accepted
- DeCard page · November 10
- Age 18–70. Singpass for Singapore citizens and PRs; others upload passport and proof of address
Trust
SourceDeCard and DeCard Luminaries terms (02.10.2026) · checked November 10- Card issued by
- DCS Card Centre Pte. Ltd.
- Licence
- Visa credit card issuer in Singapore (formerly Diners Club Singapore)
- Based in
- Singapore
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Costs /yr if you spend A year at $500/moCurrency fee−$108
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