Coin98 Fusion virtual cardStandard card design

Source checked23 sourcesLast checked Aug 5, 2026

Crypto-backed Visa credit card

Coin98 Fusion Card

Coin98 Fusion Card connects USDC and USDT top-ups to a virtual Visa issued through DCS Card Centre. It combines phone-wallet support, five documented funding networks and no recurring card fee, while keeping conversion costs, regional eligibility and the current 0% cashback rate visible.

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Best fit

Eligible APAC users funding a card with USDC or USDT across five networks.
Online and phone-wallet purchases through the Coin98 app's virtual Visa.
Occasional card use without a recurring membership or subscription fee.

Before you choose

Virtual issuance costs $9; top-ups and conversion each carry a separate 1% fee.
Current SGD terms pay no cashback and charge 1.7% for foreign conversion.
Top-ups leave your self-custody wallet for a separate DCS card account.

01 · Fees & limits

Card costs

ItemValueConditions & scope

Monthly plan$0/moNo recurring monthly or annual card fee.

Virtual card$9 one-timeOne-time issuance and activation fee for the virtual card.

Card top-up fee1%Charged when adding funds to the card balance. Digital-asset conversion is charged separately.

Provider FX markup1.7%Foreign-currency conversion fee under the current SGD programme.

Asset conversion fee1%The product owner approved this as a separate action and fee from the 1% top-up charge.

Cross-border fee1.7%May apply to SGD transactions processed overseas under the current programme.

ATM withdrawal1% / min SGD 5The higher of 1% or SGD 5 applies; the ATM operator may add its own surcharge.

Limits and secondary fees

ItemValueConditions & scope

Daily card spendNot statedA SGD 200,000 rolling 12-month card-spend limit applies instead.

Monthly card spendNot statedA SGD 200,000 rolling 12-month card-spend limit applies instead.

ATM limitSGD 10k/daySGD 100,000 per month; the per-transaction cap is not disclosed.

Account depositNot statedNo general card top-up limit is published.

02 · Rewards programme

Card features and spending mechanics

The card does not offer purchase cashback or points.

Purchase rewardsNot offered

Current card programme

03 · Everyday use

Card access & apps

Card access

Visa network
Virtual card
Physical cardNot available
ATM withdrawals

Wallets & apps

Apple Pay
Google Pay
iOS app
Android app
Web appNot confirmed

04 · Money in and out

Balance, payments & transfers

Balance & payments

Hybrid settlement

Funding and settlement cross wallet and provider-controlled account boundaries.

Conversion

How a received asset reaches the spendable balance depends on the supported asset and account setup.

Money in

Crypto depositsUSDC · USDTFee1%Details

Access path: Direct card balance
Networks by asset: USDC: Ethereum, Solana, Polygon, Base · USDT: Ethereum, Solana, Polygon, Tron
Conditions: Top-up requires an existing Coin98 Super Wallet address. The credited card balance becomes DCS property and is not held in trust or custody.
Timing: Not confirmed
Limits: No top-up-specific public limit was confirmed
Fee conditions: 1% card top-up fee; a separate 1% Digital Asset Conversion Fee applies when crypto is converted
How it works: Credits the separate DCS card prepayment balance for card spending
Fee breakdown: 1% · transfer; 1% · SEPA

Money out

Withdrawal methods are not confirmed.

06 · Trust and eligibility

Availability & providers

Identity & KYC

Required

Identity verification is required to access card services.

Availability

9 countries listed as regional guidance

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 guidance9 countries

AustraliaJapanMalaysiaPhilippinesSingaporeSouth KoreaTaiwanThailandVietnam

Who handles what

The named organisations and their current roles are listed below.

RoleHandled byResponsibility and scope

Card productCoin98

Provides the product and account experience. Named legal operators appear separately.

Custody controlCoin98 + programme partners

Controls settlement until payment.

Hybrid custody

Card issuerDCS Card Centre Pte. Ltd.

Issues and administers the card programme, sets the credit limit and holds the card prepayment balance.

Jurisdiction: Singapore · Applies to: Coin98 Fusion Card programme

07 · Methodology

Why the score is 61

Missing or undisclosed fields receive no positive credit.

61/100

Moderate

Higher is better

Cost efficiency 63

Rewards value 0

Everyday usability 89

Funding & transfers 52

Availability & eligibility 59

Custody & control 59

Company & infrastructure 87

Key score driversLargest effects after applying the Overall category weights

Strongest lift89

Everyday usability

Visa spending includes virtual card, Apple Pay, Google Pay and ATM access.

Additional support87

Company & infrastructure

Named programme infrastructure includes DCS Card Centre Pte. Ltd. (issuer) and Visa (network).

Main constraint0

Rewards value

No purchase cashback is included in the confirmed product terms.

08 · Offers & news

Latest from Coin98 Fusion Card

NewsAug 7, 2026

Coin98 moves Fusion Card holders toward its Visa USD programme

Coin98 announced the retirement of its Visa SGD programme and asked existing holders to migrate to Visa USD or request a refund, while current public operating documentation still contains SGD-denominated limits.

See all 1 news update for Coin98 Fusion Card

09 · Card comparison

How Coin98 Fusion Card compares to others

1 / 3

Current card

Coin98 Fusion Card

The virtual Visa works with both Apple Pay and Google Pay after KYC.

Card: Credit line Visa, Virtual only
Funds control: Hybrid custody
Cashback: 0%
FX fee: 1.7% foreign-currency conversion
Apps: iOS, Android · Web app not confirmed
Stablecoin set: USDC + USDT
Funding routes: Crypto deposits

Similar match

XPlace Card

Choose prefunded USDC spending or borrow USDC against Kamino collateral.

Card: Credit line Visa, Virtual + Physical
Funds control: Hybrid custody
Cashback: 0.5%–2%
FX fee: XPlace layer: Basic 1%, Silver 0.5%, Gold 0.25%, Platinum 0%; Visa adds 1% when it converts
Apps: iOS, Android · Web app not confirmed
Stablecoin set: USDC + USDT
Funding routes: Crypto deposits

Similar match

Tria Card

Card spend is linked to Tria's wallet model, not a CEX account.

Card: Credit line Visa, Virtual + Physical
Funds control: Self-controlled wallet
Cashback: 1.5%–6%
FX fee: 0% Tria markup; issuer-programme FX fee up to 3%
Apps: iOS, Android, Web app
Stablecoin set: USDC + USDT
Funding routes: Crypto deposits

Want a deeper comparison?

Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.

Compare Cards

10 · Evidence

Sources

23 sources23 officialSources checked Aug 5, 2026Profile updated Aug 5, 2026

Primary sourcesOfficial product, fee, membership and legal pages

DCS Coin98 Fusion Card Terms & ConditionsOfficial source ↗What are the differences between the USD Card and the SGD Card?Official source ↗Coin98 Fusion CardOfficial source ↗DeCard and Coin98 Partner to Launch Coin98 Fusion Card, Bringing Real-World Utility to Web3 AssetsOfficial source ↗Official Coin98 Fusion Card frontOfficial source ↗How to Issue and Use Coin98 Fusion CardOfficial source ↗

Unconfirmed details6 items

These details have not been verified for this profile. Missing information does not mean a service is free or available.

Atm Per Transaction Limit is not confirmed
Coin98 Specific Inactivity Fee Amount is not confirmed
Coin98 Specific Interest Rate is not confirmed
Early Card Termination Fee Amount is not confirmed
Late Payment Charge Amount is not confirmed
Minimum Payment Formula is not confirmed

Help keep this page accurate

Found outdated or incorrect information?

Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.

Report a correction to this card

Coin98 Fusion virtual cardStandard card design

Source checked23 sourcesLast checked Aug 5, 2026

Crypto-backed Visa credit card

Coin98 Fusion Card

View Coin98 Compare card

Partner link See details

Best fit

Eligible APAC users funding a card with USDC or USDT across five networks.
Online and phone-wallet purchases through the Coin98 app's virtual Visa.
Occasional card use without a recurring membership or subscription fee.

Before you choose

Virtual issuance costs $9; top-ups and conversion each carry a separate 1% fee.
Current SGD terms pay no cashback and charge 1.7% for foreign conversion.
Top-ups leave your self-custody wallet for a separate DCS card account.

01 · Fees & limits

Card costs

ItemValueConditions & scope

Monthly plan$0/moNo recurring monthly or annual card fee.

Virtual card$9 one-timeOne-time issuance and activation fee for the virtual card.

Card top-up fee1%Charged when adding funds to the card balance. Digital-asset conversion is charged separately.

Provider FX markup1.7%Foreign-currency conversion fee under the current SGD programme.

Asset conversion fee1%The product owner approved this as a separate action and fee from the 1% top-up charge.

Cross-border fee1.7%May apply to SGD transactions processed overseas under the current programme.

ATM withdrawal1% / min SGD 5The higher of 1% or SGD 5 applies; the ATM operator may add its own surcharge.

Limits and secondary fees

ItemValueConditions & scope

Daily card spendNot statedA SGD 200,000 rolling 12-month card-spend limit applies instead.

Monthly card spendNot statedA SGD 200,000 rolling 12-month card-spend limit applies instead.

ATM limitSGD 10k/daySGD 100,000 per month; the per-transaction cap is not disclosed.

Account depositNot statedNo general card top-up limit is published.

02 · Rewards programme

Card features and spending mechanics

The card does not offer purchase cashback or points.

Purchase rewardsNot offered

Current card programme

03 · Everyday use