Main strengths
- The card spends supported Binance balances and eligible crypto assets.
- Google Pay is confirmed; Apple Pay and LINE Pay remain regional signals only.
- The main schedule pays up to 3% in USDC or BTC with a $100 monthly cap.
Binance Card Global Program Mastercard visualStandard card design
Stablecoin account + Mastercard card
Binance Card
Binance Card turns eligible Funding or Spot balances into virtual Mastercard spending, with Google Pay and country-dependent USDC or BTC-equivalent cashback. Card access and reward tiers remain tied to the user's Binance account and country programme.
Free base planUSDC/BTC rewardsFiat top-upBank transferMastercardGoogle Pay
Partner link See details
Main trade-offs
- Card access depends on Binance account access and provider controls.
- Current access is virtual-only, with no physical card listed.
- ATM terms are not disclosed, so cash-withdrawal use remains unknown.
01 · Core economics
Costs that matter
Binance Card has a $0 recurring entry cost. Funding, conversion, FX and cash-access charges are shown separately below.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Top-upNot disclosedThe provider does not publish a general top-up fee in its current funding instructions.
Provider FX markup2–3%Can erase 1.5% base cashback
Asset conversion fee0.9%0.1% for USDC; 0.9% for other supported crypto
Limits and secondary feesLimits and other fees
ATM withdrawalNot disclosedNot disclosed
Daily card spendNot disclosedListed
Monthly card spendNot disclosedListed
ATM limitNot disclosedListed
Account depositNot disclosedListed
02 · Plans & rewards
1.5% to 3% in USDC or BTC equivalent
Binance Card keeps the reward range visible above while the membership cards below preserve each tier's fee, card design, rewards, limits and other tier-specific differences.
Main schedule; lower regional entry rates apply in specified jurisdictions
Conditional: not the automatic rate
USDC or BTC equivalent cashback (country-dependent)
Main-schedule cap; the published regional exception is capped at $20 equivalent
Memberships
Upgrade
$0/yrTier 1
Virtual Mastercard
- Cashback
- 1.5% in USDC/BTC
- Requirement
- Monthly eligible spend below $100
- Cashback Cap
- Not listed
- Full-rate spend
- Not listed
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
$0/yrTier 2
Virtual Mastercard
- Cashback
- 2% in USDC/BTC
- Requirement
- Monthly eligible spend $100-$1,000
- Cashback Cap
- Not listed
- Full-rate spend
- Not listed
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
$0/yrTier 3
Virtual Mastercard
- Cashback
- 3% in USDC/BTC
- Requirement
- Monthly eligible spend at least $1,000
- Cashback Cap
- $100 / month
- Full-rate spend
- $3,333 / month; then 0%
- Best fit
- Check the plan price, rewards and limits before upgrading.
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Mastercard networkAvailable
- Virtual cardAvailable
- Physical cardVirtual only
- ATM withdrawalsNot disclosed
Wallets & apps
- Apple PayNot disclosed
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot disclosed
Account rails
- Crypto depositsVia provider account
- Bank depositsRegion-dependent
- Crypto withdrawalsVia provider account
- Fiat withdrawalsRegion-dependent
- Direct card top-upsNot supported
04 · Money in and out
How money enters, settles and leaves Binance
The card uses the provider account balance. Account funding and withdrawal routes are included only when they feed that same card-linked account; they are not presented as direct card top-ups.
Money inWays to fund or receive2 routes
Crypto deposits
1 route
Crypto depositsDeposits credit the linked Binance exchange account; assets in the Funding or enabled Spot Account can then be selected for Binance Card spending.Supported cryptoFeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
Supported asset and network combinations
Fee scope
Receive fee not publicly confirmed
Limit scope
Deposit limits not publicly confirmed
Restrictions
Via Binance account, not a direct card top-up. Available assets and networks vary by account, asset and jurisdiction.
Bank deposits
1 route
Binance account bank depositBank deposits fund the linked Binance account in supported regions.FeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
Bank deposits fund the linked Binance account in supported regions. Availability is the intersection of the account rail and card eligibility; this is not a direct card top-up.
Fee scope
Not publicly confirmed; shown in the Binance account for the selected currency and method
Limit scope
Not publicly confirmed
Balance & conversionAccount balance
Funds sit in a custodial account balance before card spend or payout.
What happens on receipt
Binance Card spends from the linked Funding and/or Spot Account.
Money outWays to send, withdraw or settle2 routes
External crypto sends
1 route
Binance account crypto withdrawalVia the linked Binance account, not a direct card payout.Supported cryptoFeeNot confirmedSpeedVaries by railLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
External blockchain address via the network selected in the Binance account; asset, network and regional availability vary
Fee scope
Not publicly confirmed; shown in the Binance account for the selected asset and network
Limit scope
Not publicly confirmed
Restrictions
Via the linked Binance account, not a direct card payout. This route is relevant because the same provider-account balance explicitly funds card spending.
Bank transfers & payouts
1 route
Binance account fiat withdrawalVia the linked Binance account, not a card refund or direct card payout.FeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
Fiat withdrawal to a bank account where available; methods and currencies vary by region
Fee scope
Not publicly confirmed; shown in the Binance account for the selected currency and method
Limit scope
Not publicly confirmed
Restrictions
Via the linked Binance account, not a card refund or direct card payout. Availability is limited to the overlap between the account withdrawal method and card eligibility.
06 · Trust and eligibility
Where Binance is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
These entries are regional guidance rather than a complete signup list. A missing country is not treated as unavailable; confirm eligibility during signup.
Countries listed as regional guidance1 country
Australia
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productBinance
Provides the product and account experience. Named legal operators appear separately.
Custody controlBinance + programme partners
Controls settlement until payment.
Custodial accountCard issuerImmersve Limited
Provides the Binance Card issuing programme through Mastercard Global Reach.
Jurisdiction: New Zealand · Applies to: Binance Card Global Programme for eligible users accessing Immersve services.07 · Methodology
Why the score is 58
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
58/100
MixedHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift87
Company & infrastructure
Named programme infrastructure includes Immersve Limited (issuer) and Mastercard (network).
Additional support78
Everyday usability
Mastercard spending includes virtual card and Google Pay.
Main constraint25
Rewards value
1.5% base cashback and up to 3%; higher rates depend on complex conditions, paid in USDC/BTC.
08 · Evidence
Sources
12 sources12 officialChecked Aug 5, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Binance Card Australia programmeOfficial source ↗Crypto Cards | Binance Card Lets You Spend Crypto WorldwideOfficial source ↗An Overview of the Binance Card - Global ProgramOfficial source ↗Binance Card - Global Program: Fees and LimitsOfficial source ↗How Does the Binance Card - Global Program Cashback Work?Official source ↗Binance Card - Global Program: Eligibility and How to Order It?Official source ↗
09 · Card comparison
How Binance Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday Mastercard access and money movement.
1 / 3
Current card
Binance Card
The card spends supported Binance balances and eligible crypto assets.
- Card
- Debit Mastercard, Virtual only
- Funds control
- Custodial balance
- Cashback
- 1.5%–3%
- FX fee
- 2% in most card-available countries; 3% in New Zealand
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDC, USDT + FDUSD
- Transfers & payouts
- Crypto + Bank transfers
Similar match
Funding routes and Mastercard spending sit in the same Bybit EU account flow.
- Card
- Debit Mastercard, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 1%–10%
- FX fee
- 0.5%
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC + EURC
- Transfers & payouts
- Crypto + Bank transfers
- Card
- Prepaid Visa + Mastercard, Virtual only
- Funds control
- Custodial balance
- Cashback
- 0.1%–1%
- FX fee
- Not confirmed
- Apps
- iOS, Android + Web app not confirmed
- Stablecoin set
- USDT
- Transfers & payouts
- Crypto, Bank + Internal transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
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