Why it stands out
- The card spends supported Binance balances and approved 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
A Binance account-linked virtual Mastercard that spends selected crypto from the Funding or enabled Spot Account and pays country-dependent USDC or BTC-equivalent cashback. Best for existing Binance users; trade-offs are custodial account control, virtual-only access and unknown ATM support.
Free base planUSDC/BTC rewardsFiat top-upBank transferMastercardGoogle Pay
selected jurisdictions; exact supported country must be checked during signup or in-app review.
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 is inexpensive to open, but it is not a fee-free travel card. These numbers drive most of the real-world cost.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Top-upNot disclosedThe provider does not publish a general top-up fee in the reviewed funding instructions.
Foreign exchange2% in most card–available countries; 3% in New ZealandCan erase 1.5% base cashback
Crypto conversion0.9%0.1% for USDC; 0.9% for other supported crypto
Limits and secondary feesLimits and other fees
ATM withdrawalNot disclosedNot disclosed
Daily card spendDynamic / shown in appListed
Monthly card spendDynamic / shown in appListed
ATM limitUnknownListed
Account depositUnknownListed
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
- 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
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
$0/yrTier 3
Virtual Mastercard
- Cashback
- 3% in USDC/BTC on first $100/mo
- Requirement
- Monthly eligible spend at least $1,000
- Best fit
- Check the plan price, rewards and limits before upgrading.
03 · Everyday use
The essentials are covered
Card access, mobile wallets and account rails are separated so missing channels are easy to spot.
Card access
- Mastercard networkAvailable
- Virtual cardAvailable
- Physical cardNot available
- ATM withdrawalsNot confirmed
Wallets & apps
- Apple PayNot confirmed
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot confirmed
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 receive · 2 routesCrypto depositsSupported cryptoBank depositsLocal bank
Crypto deposits
1 route
Crypto deposits
Deposits credit the linked Binance exchange account; assets in the Funding or enabled Spot Account can then be selected for Binance Card spending.
Supported crypto
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
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 deposit
Bank deposits fund the linked Binance account in supported regions.
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Region-dependent
Route details
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 settle · 2 routesExternal crypto sendsSupported cryptoBank transfers & payoutsLocal bank
External crypto sends
1 route
Binance account crypto withdrawal
Via the linked Binance account, not a direct card payout.
Supported crypto
- Fee
- Not confirmed
- Speed
- Varies by rail
- Limits
- Not confirmed
- Availability
- Region-dependent
Route details
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 withdrawal
Via the linked Binance account, not a card refund or direct card payout.
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Region-dependent
Route details
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 runs each part
Eligibility, identity checks and provider responsibilities are kept separate.
Identity & KYC
Identity verification is required to access card services.
Availability
Card access varies by country or programme.
Who handles what
Only concrete responsibilities and identified organisations are shown.
RoleHandled byResponsibility and scope
Card productBinance
Public-facing product and account experience; legal operators are listed separately when confirmed.
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 weighs practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the company and provider stack. Undisclosed data does not boost the score.
58/100
WeakHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift89
Company & infrastructure
Named programme infrastructure includes Immersve Limited (issuer) and Mastercard (network).
Additional support80
Everyday usability
Mastercard spending includes virtual card and Google Pay.
Main constraint27
Rewards value
1.5% base cashback and up to 3%; higher rates depend on complex conditions, paid in USDC/BTC.
08 · Evidence
Sources
16 sources15 officialChecked Jul 15, 2026
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
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 ↗How to Make Payments with My Binance Card - Global Program?Official source ↗
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