
RedotPay Card
RedotPay is a Hong Kong-based stablecoin card app issuing Visa virtual and physical cards funded from a custodial crypto balance, with a $10 virtual and $100 physical card fee, no monthly fee, a 1.2% FX fee plus 1% crypto conversion fee. A paid Pro plan ($12.90/month or $129/year) adds 3% cashback on Apple Pay and Google Pay (capped at $18/month); the US, India, Singapore, Turkey and many other countries are excluded.
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Plans side by side
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| Price | |||
| Monthly price | Free1,27Account maintenance (monthly and annual fees) waived. | $12.92USD per month; non-refundable. | —Billed annually; no monthly price |
| Yearly price | Free1,50 | —Monthly plan has no annual price; annual plan is a separate tier at $129/yr | $1292USD per year; non-refundable; monthly members can upgrade any time. |
| Virtual card fee | $101,3USD, deducted from account balance; non-refundable; the $5 sign-up reward cannot be used for it. | Free2One-time waiver of the $10 virtual card application fee (voucher does not expire). | —Pro article lists the virtual card waiver under the monthly plan only; the membership page says 'free card applications with eligible memberships' |
| Physical card fee | $1001,3USD, non-refundable once paid. | $1002Physical card fee waiver is reserved for annual members; monthly members pay $100. | Free2One-time waiver of the $100 physical card fee (voucher does not expire). |
| Shipping | Standard Mail: free (usually 5-30 days). DHL Express: fee varies by country, calculated at checkout (usually 3-10 days).1,14 | Standard Mail: free (usually 5-30 days). DHL Express: fee varies by country, calculated at checkout (usually 3-10 days).1,14 | Standard Mail: free (usually 5-30 days). DHL Express: fee varies by country, calculated at checkout (usually 3-10 days).1,14 |
| Replacement | Virtual card: $5 first replacement, $10 each after (min. 31 days between replacements)15Physical card replacement fee not published. | Virtual card: $5 first replacement, $10 each after (min. 31 days between replacements)15Physical card replacement fee not published. | Virtual card: $5 first replacement, $10 each after (min. 31 days between replacements)15Physical card replacement fee not published. |
| Other requirements | Verified account (ID, face scan, address); 18+; max 5 cards lifetime (virtual and physical combined, deleted cards count)10,11,13 | Paid subscription; benefits non-transferable; auto-renewal charged 48h before expiry2 | Paid annual subscription; benefits non-transferable2 |
| Rewards | |||
| Cashback | 0%39No percentage cashback on Standard; Paymentscan reports points only (2 points per $1 spent).Not confirmed by the issuer | 3%23% on Apple Pay and Google Pay purchases. Paymentscan found about 0.7-0.8% effective after FX costs, before the subscription fee. | 3%23% on Apple Pay and Google Pay purchases. |
| Paid in | RedotPay Points (not cash)25,39 | USDs (RedotPay card-spend credit)2USDs can only be used for future card spending; not withdrawable, transferable or usable to buy cards. | USDs (RedotPay card-spend credit)2 |
| Cashback cap a month | —Not applicable / not published | $182USD per month; Paymentscan describes it as $18 on the first $600 of eligible spend. | $182USD per month. |
| Earns on | —Not published for Standard points; Paymentscan says points are earned on spend | Apple Pay and Google Pay transactions only2,47 | Apple Pay and Google Pay transactions only2,47 |
| No cashback on | —Not published | Refunded, disputed or ineligible transactions are clawed back; 'cycle' (frequent small-amount) trading is monitored and may lead to suspension2 | Refunded, disputed or ineligible transactions are clawed back2 |
| Vesting | Points expire 12 months after earning (FIFO); cannot be cashed out, transferred or traded25 | Credited once the transaction clears; USDs expire 30 days after issue2 | Credited once the transaction clears; USDs expire 30 days after issue2 |
| Points | Earn points by spending, referring friends and missions; redeem for prize draws (tickets); Paymentscan reports 2 points per $1 and 200 sign-up points25,39Points rates can change per the issuer. | Same points program as Standard25 | Same points program as Standard25 |
| Perks | $5 USDs sign-up reward (valid 30 days, spend only), Points and prize draws, Optional paid Earn, Credit and Loan products in app26,25,32,33,34 | Free virtual card (one-time, monthly plan), 3% cashback on Apple Pay and Google Pay (cap $18/month)2 | Free physical card (one-time $100 waiver), 3% cashback on Apple Pay and Google Pay (cap $18/month), $1,000/month ATM fee waiver, +1% APY on RedotPay Earn (first $1M; Earn regions only)2 |
| Fees | |||
| FX fee | 1.2%1Applies to non-default-currency transactions; default (USD) currency transactions are waived. Paymentscan measured ~2.2-2.3% effective total markup in a Jul-02, 2026 in-store test in Poland. | 1.2%1Applies to non-default-currency transactions; default (USD) currency transactions are waived. Paymentscan measured ~2.2-2.3% effective total markup in a Jul-02, 2026 in-store test in Poland. | 1.2%1Applies to non-default-currency transactions; default (USD) currency transactions are waived. Paymentscan measured ~2.2-2.3% effective total markup in a Jul-02, 2026 in-store test in Poland. |
| Crypto conversion fee | 1%1Listed as 'Transaction Fee 1.00%' = cryptocurrency conversion fee. Stacks with the 1.2% FX fee on foreign-currency purchases. | 1%1Listed as 'Transaction Fee 1.00%' = cryptocurrency conversion fee. Stacks with the 1.2% FX fee on foreign-currency purchases. | 1%1Listed as 'Transaction Fee 1.00%' = cryptocurrency conversion fee. Stacks with the 1.2% FX fee on foreign-currency purchases. |
| Top-up fee | 0%1,30No deposit fee on the USD/HKD card programmes; no RedotPay fee on crypto or bank deposits. Buying crypto by card, P2P or PayPal transfers carry their own fees (PayPal route: 3%, min $1, per May 2025 notice). | 0%1,30No deposit fee on the USD/HKD card programmes; no RedotPay fee on crypto or bank deposits. Buying crypto by card, P2P or PayPal transfers carry their own fees (PayPal route: 3%, min $1, per May 2025 notice). | 0%1,30No deposit fee on the USD/HKD card programmes; no RedotPay fee on crypto or bank deposits. Buying crypto by card, P2P or PayPal transfers carry their own fees (PayPal route: 3%, min $1, per May 2025 notice). |
| Free ATM a month | Free1No free ATM allowance on Standard. | Free2ATM fee waiver is for annual members only. | $1,0002USD of withdrawals per month with zero RedotPay ATM fee, resetting on the billing-cycle date; third-party ATM operator fees still apply; above $1,000 the standard 2%/3% fee applies. |
| ATM fee | 2%1USD card: 2% while monthly ATM withdrawals are at or below $10,000, 3% above $10,000. HKD (legacy) card: flat 2%. | 2%1,2Standard rate 2% (3% above $10,000/month) applies outside the waived allowance; Pro article gives no separate rate. | 2%1,2Standard rate 2% (3% above $10,000/month) applies outside the waived allowance; Pro article gives no separate rate. |
| Inactivity fee | Free27,1No card management, monthly or annual fees. | Free27,1No card management, monthly or annual fees. | Free27,1No card management, monthly or annual fees. |
| Decline fee | $0.51USD per declined transaction after the first 3 declines per card per month (waived for the first 3). | $0.51USD per declined transaction after the first 3 declines per card per month (waived for the first 3). | $0.51USD per declined transaction after the first 3 declines per card per month (waived for the first 3). |
| Limits | |||
| Limit per payment | $100,0001USD per transaction; user can set lower per-purchase and daily limits in the app. | $100,0001USD per transaction; user can set lower per-purchase and daily limits in the app. | $100,0001USD per transaction; user can set lower per-purchase and daily limits in the app. |
| Spend limit a day | $1,000,0001USD; user can set lower limits in the app. | $1,000,0001USD; user can set lower limits in the app. | $1,000,0001USD; user can set lower limits in the app. |
| ATM limit a day | $3,7501USD BIN. In some countries and regions the daily limit is $3,000. HKD BIN: HKD 23,000. Max 3 withdrawals per day. | $3,7501USD BIN. In some countries and regions the daily limit is $3,000. HKD BIN: HKD 23,000. Max 3 withdrawals per day. | $3,7501USD BIN. In some countries and regions the daily limit is $3,000. HKD BIN: HKD 23,000. Max 3 withdrawals per day. |
| ATM limit a month | $50,0001USD BIN. In some countries and regions the monthly limit is $10,000. HKD BIN: HKD 75,000. Max 30 withdrawals per month. | $50,0001USD BIN. In some countries and regions the monthly limit is $10,000. HKD BIN: HKD 75,000. Max 30 withdrawals per month. | $50,0001USD BIN. In some countries and regions the monthly limit is $10,000. HKD BIN: HKD 75,000. Max 30 withdrawals per month. |
Real payments
What someone actually paid, which can differ from the advertised fee. Each test is one payment or a few, so treat it as a signal.
What you keep
$1,000 a month, 20% in a foreign currency, no staking. Change
Trust
US MSB and Argentina VASP registrations. The card issuer is not named by RedotPay; a BIN lookup and StraitsX's programme list show Xfers (StraitsX), a Singapore Visa principal member.38,33,58,59
Custodial. Crypto is converted to USD at payment. No proof of reserves or insurance published.8,31
Binance-affiliated firms sued the co-founders for about $473M (Aug 2026). Card issuing halted in South Korea (Sep 2026). Binance Pay funding ended (Apr 2026).44,45,52
Company
Issuer and licence
The card
Funding
Payments
Where it works
Account
Security
App
Reputation
Adoption
Referrals
Incidents and changes
Regional differences
More details
Quick answers
What does the RedotPay Card cost?
The Standard plan: Free a month, $100 for a physical card.
How much cashback does the RedotPay Card pay?
0% on the Standard plan, paid in RedotPay Points (not cash).
What is the RedotPay Card FX fee?
1.2% on the Standard plan.
Is the RedotPay Card custodial?
Custodial. Crypto is deposited to RedotPay-controlled addresses and converted to USD when you pay; RedotPay says it is a fintech provider, not a bank, and Earn is not covered by deposit insurance.
Is the RedotPay Card available in the US, the UK and the EEA?
US: no. UK: yes. EEA: yes.
How much do you keep with the RedotPay Card?
−$62 a year on the Pro Annual plan at $1,000 a month with 20% in a foreign currency, after every fee.
Sources
- RedotPay Card Limitations & Fees (fee table image, effective Dec 1, 2025; page dated Jul 24, 2026), issuer, Nov-05, 2026
- Getting Started with RedotPay Pro, issuer, Nov-05, 2026
- Are there any fees for getting a card?, issuer, Nov-05, 2026
- Unsupported Countries/Regions, issuer, Oct-25, 2026
- Card Issuance Restrictions, issuer, Oct-25, 2026
- Card Delivery Restrictions, issuer, Oct-25, 2026
- Location-Based Access Restrictions, issuer, Oct-25, 2026
- RedotPay Services and Features, issuer, Oct-25, 2026
- How do I know if I have a USD or HKD card?, issuer, Nov-05, 2026
- Minimum age to apply for a card, issuer, Oct-25, 2026
- How many RedotPay cards can I have?, issuer, Oct-25, 2026
- How long is my RedotPay card valid for?, issuer, Oct-25, 2026
- Identity Verification Requirements, issuer, Oct-25, 2026
- How long does card delivery take?, issuer, Oct-25, 2026
- How to Replace Your Virtual Card, issuer, Oct-25, 2026
- Can I set a PIN for my RedotPay card?, issuer, Oct-25, 2026
- Card security settings, issuer, Oct-25, 2026
- Why is my card temporarily frozen?, issuer, Oct-25, 2026
- Which purchases have a transaction fee?, issuer, Nov-05, 2026
- Where can I use my RedotPay card?, issuer, Oct-25, 2026
- How to use your RedotPay card with Apple Pay, issuer, Oct-25, 2026
- How to link my virtual card to Google Pay, issuer, Oct-25, 2026
- Why won't my card link to PayPal, Google Pay or other apps, issuer, Oct-25, 2026
- How to invite friends and earn rewards, issuer, Oct-25, 2026
- How Points Work, issuer, Nov-05, 2026
- 5 USDs sign-up reward, issuer, Oct-25, 2026
- Fees if I don't use my card for a month, issuer, Oct-25, 2026
- Personal funding account details (USD/EUR/GBP), issuer, Oct-25, 2026
- Funding account deposit methods, issuer, Oct-25, 2026
- Deposit fee policy, issuer, Oct-25, 2026
- Can I add local currency to my account?, issuer, Oct-25, 2026
- Getting Started with RedotPay Earn, issuer, Oct-25, 2026
- Getting Started with RedotPay Credit, issuer, Oct-25, 2026
- Getting Started with RedotPay Crypto Loans, issuer, Oct-25, 2026
- Third-party transfer support (PayPal) and fee discount in May, issuer, Oct-25, 2026
- Important update on transfers involving HTX, issuer, Oct-25, 2026
- Notice to RedotPay users in Japan (Japanese), issuer, Oct-25, 2026
- RedotPay Terms and Conditions, issuer, Oct-25, 2026
- Paymentscan: RedotPay review and on-chain spend, paymentscan, Nov-05, 2026
- RedotPay: Crypto Card & Pay (App Store, US; data via iTunes lookup API), app store, Oct-25, 2026
- RedotPay: Crypto Card & Pay (Google Play), app store, Oct-25, 2026
- RedotPay reviews on Trustpilot, trustpilot, Oct-25, 2026
- RedotPay raises $40m for crypto payments platform, press, Oct-25, 2026
- Binance sues RedotPay co-founders over alleged $473M losses, press, Oct-25, 2026
- RedotPay stops card issuance in South Korea (citing Seoul Economic Daily), press, Oct-25, 2026
- RedotPay homepage, issuer, Oct-25, 2026
- RedotPay Pro membership page, issuer, Oct-25, 2026
- Supported cryptocurrencies, networks, minimum deposits, issuer, Oct-25, 2026
- How to get a RedotPay card, issuer, Oct-25, 2026
- RedotPay card page, issuer, Oct-25, 2026
- How do I secure my account?, issuer, Oct-25, 2026
- Binance sues RedotPay over alleged USD 473 million user losses, press, Oct-25, 2026
- Suspension of deposits/withdrawals due to Ethereum upgrade (2025-05-07), issuer, Oct-25, 2026
- What type of card is the RedotPay card?, issuer, Oct-25, 2026
- How do I buy crypto with a card on RedotPay?, issuer, Oct-25, 2026
- How do I deposit crypto, issuer, Oct-25, 2026
- Issuance fee refund on card deletion, issuer, Oct-25, 2026
- StraitsX issuer page (lists RedotPay as a card programme; StraitsX data self-reported), paymentscan, Nov-05, 2026
- BIN lookup 49372420: Visa Platinum debit, Singapore, Xfers Pte Ltd, other, Nov-05, 2026
- Cryptonoshi review of RedotPay Card (updated Aug-06, 2026), review, Nov-05, 2026
Something wrong or out of date? Report it with a source.