Main strengths
- Both network options list no annual fee or inactivity charge.
- Eligible purchases return 0.1%–1% in USDT with no published cap.
- Deposits and withdrawals inherit supported routes from the Pionex account.
Pionex Visa PlatinumStandard card design
Stablecoin account + Visa/Mastercard card
Pionex Card
Pionex Card combines its virtual Visa and Mastercard options in one custodial profile. Both spend from a separate USDT card balance funded through the Pionex account, but application balances, transaction fees, cashback rates, limits, wallets and physical-card access differ by network.
Visa / MCTiered rewardsFree base planUSD rewardsApple PayTier gated
Partner link See details
Main trade-offs
- Applying needs more than 10 USDT for Mastercard or 100 USDT for Visa.
- Visa charges 1%; Mastercard can charge up to 3.5% under an undisclosed rule.
- Country coverage, issuer terms and key yield protections remain incomplete.
01 · Core economics
Costs that matter
Pionex has two network options inside one card programme. Values that differ are shown as ranges; the application balance is an eligibility check and is not charged, locked or deducted.
ItemStandard tierWhat it means
Annual plan$0Both Visa and Mastercard list no annual card fee.
Account balance to apply10 or 100 USDTMastercard requires more than 10 USDT in the Pionex account; Visa requires more than 100 USDT. This is not a fee, lock or deducted deposit.
Card transaction1%–3.5%Visa lists 1%. Mastercard lists up to 3.5%; the exact Mastercard fee-selection rule is not published, so scoring uses the maximum.
Card fundingPionex account → Card balanceUSDT moves internally from the Pionex Primary Account. Deposits and payouts are inherited provider-account routes, not direct Card-account rails; route fees and limits can vary.
Fiat-to-crypto conversion0%Both network fee schedules list this conversion line as free. The separate card-transaction fee still applies.
Foreign feesNot disclosedNeither network schedule publishes a reusable foreign-currency fee for this combined profile.
ATM withdrawalVisa 2% · Mastercard not establishedThe 2% Visa schedule matters only for invited physical Visa access. The generally available virtual cards cannot be relied on for ATM use.
Limits and secondary feesLimits and other fees
Per-transaction spend$10,000–$20,000Listed
Daily card spend$10,000–$20,000Listed
Monthly card spend$50,000–$100,000Listed
Conditional failed payment$0.50Listed
02 · Rewards programme
0.1%–1% cashback in USDT
Pionex 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.
Mastercard published range starts here
Visa publishes 1%; Mastercard publishes up to 1%
Credited to the Pionex Card balance
Eligible purchases only; Mastercard's rate-selection rule is not public
Memberships
Network option
$0annual fee · account balance required to applyMastercard
Virtual Mastercard
- Cashback
- 0.1%–1% in USDT
- Requirement
- More than 10 USDT in the Pionex account when applying; this is an application balance, not a fee, and it is not deducted or held.
- Per-transaction spend
- $20,000
- Daily spend
- $20,000
- Monthly spend
- $100,000
- Wallets
- Apple Pay, Google Pay, LINE Pay and PayPal
- ATM access
- Not established
- Physical card
- Not available
- FX
- Card transaction fee up to 3.5%; exact allocation inside the range is not published
- Best fit
- Lower application balance and higher spending limits, but cashback allocation and the up-to-3.5% transaction fee are less predictable.
Network option
$0annual fee · account balance required to applyVisa
Virtual Visa
- Cashback
- 1% in USDT
- Requirement
- More than 100 USDT in the Pionex account when applying; this is an application balance, not a fee, and it is not deducted or held.
- Per-transaction spend
- $10,000
- Daily spend
- $10,000
- Monthly spend
- $50,000
- Wallets
- Apple Pay, Google Pay, Alipay, WeChat Pay, LINE Pay and PayPal
- ATM access
- General virtual card cannot withdraw; invited physical Visa uses the current 2% schedule
- Physical card
- Invitation-only exception; not generally available
- FX
- 1% card transaction fee
- Best fit
- Higher application balance, fixed 1% cashback and fee, broader wallet coverage and invitation-only physical-card access.
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
- Visa/Mastercard networkAvailable
- Virtual cardAvailable
- Physical cardVirtual only
- ATM withdrawalsNo ATM access
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appNot disclosed
- Android appNot disclosed
- Web appNot disclosed
Account rails
- Crypto depositsVia provider account
- Bank depositsNot confirmed
- Crypto withdrawalsVia provider account
- Fiat withdrawalsRegion-dependent
- Direct card top-upsNot supported
04 · Money in and out
How money enters, settles and leaves Pionex
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 receive3 routes
Crypto deposits
1 route
Crypto depositsDeposits credit the Pionex Primary Account; USDT can then be moved into the separate Card account for 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 Pionex Primary Account, not a direct card top-up. Available assets and networks vary by account, asset and jurisdiction.
Internal funding
2 routes
Pionex Primary ↔ Card account transferVisa Payment/Card balance is confirmed bidirectional with the Pionex Primary Account.USDTFeeNo fixed feeSpeedInstantLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- No provider transfer fee
Access path
Via provider account
Availability
USDT between the Pionex Primary Account and separate Card account; reverse movement is confirmed for the Visa-linked Payment Account only
Limit scope
Not publicly confirmed
Restrictions
Visa Payment/Card balance is confirmed bidirectional with the Pionex Primary Account. The Mastercard route is confirmed inbound only; reverse transfer is not independently established.
Pionex Primary → Mastercard account transferInternal provider funding route from the Pionex Primary Account to the separate Mastercard account.USDTFeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
USDT between the Pionex Primary Account and separate Card account; reverse movement is confirmed for the Visa-linked Payment Account only
Fee scope
Not publicly confirmed
Restrictions
Internal provider funding route from the Pionex Primary Account to the separate Mastercard account. Reverse Mastercard movement is not separately confirmed.
Balance & conversionAccount balance
Funds sit in a custodial account balance before card spend or payout.
What happens on receipt
Approved on-chain deposits and other qualifying routes credit the Pionex Primary Account, not either Card balance directly.
Money outWays to send, withdraw or settle3 routes
External crypto sends
1 route
Pionex account crypto withdrawalVia the linked Pionex account, not a direct card payout.Supported cryptoFeeNot confirmedSpeedNetwork-dependentLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
External blockchain address via the asset and network selected in the Pionex account; availability varies by account, network and jurisdiction
Fee scope
Not publicly confirmed; shown in the Pionex account for the selected asset and network
Limit scope
Not publicly confirmed
Restrictions
Via the linked Pionex account, not a direct card payout. Availability is limited to the overlap between the account withdrawal route and card eligibility.
Internal transfers
1 route
Pionex Primary ↔ Card account transferVisa Payment/Card balance is confirmed bidirectional with the Pionex Primary Account.USDTFeeNo fixed feeSpeedInstantLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- No provider transfer fee
Access path
Via provider account
Availability
USDT between the Pionex Primary Account and separate Card account; reverse movement is confirmed for the Visa-linked Payment Account only
Limit scope
Not publicly confirmed
Restrictions
Visa Payment/Card balance is confirmed bidirectional with the Pionex Primary Account. The Mastercard route is confirmed inbound only; reverse transfer is not independently established.
Bank transfers & payouts
1 route
Pionex account cash-outVia the Pionex Primary Account and third-party Alchemy Pay sell flow, not a direct Card-account payout or card refund.FeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
Access path
Via provider account
Availability
Payment card or bank transfer through the Pionex third-party sell flow and Alchemy Pay; availability varies by channel and jurisdiction
Fee scope
Channel-dependent; shown on the final Alchemy Pay order page
Limit scope
Not publicly confirmed
Restrictions
Via the Pionex Primary Account and third-party Alchemy Pay sell flow, not a direct Card-account payout or card refund. Separate Alchemy Pay KYC and matching account-holder name are required.
05 · Balance yield
Earn on the spendable balance
The eligible balance can earn a variable rate while remaining available for card spend and transfers.
Spendable yield
Pionex Card balance yield
Up to 5% APY
- Yield source
- Not confirmed
- Redemption
- No lock-up; the reviewed Visa programme says funds can return to the Main Account at any time.
- Asset
- USDT
- Card relationship
- Yield balance can fund card spend
- Withdraw anytime
- Yes
- Deposit insurance
- Not confirmed
Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where Pionex 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
Known restrictions are listed, but a complete allowed-country list is not available.
- Explicit restrictions
- 26 countriesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.
Explicit restriction list26 countries
AfghanistanAustriaCanadaCentral African RepublicChinaCongo, Democratic Republic of theCubaFranceGuamHong KongIranJapanLebanonLibyaNetherlandsNorth KoreaPuerto RicoSingaporeSomaliaSouth SudanSudanUnited KingdomUnited StatesVenezuelaYemenZimbabwe
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productPionex
Provides the product and account experience. Named legal operators appear separately.
Custody controlPionex + programme partners
Controls settlement until payment.
Custodial account07 · Methodology
Why the score is 57
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.
57/100
MixedHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift78
Everyday usability
Visa/Mastercard spending includes virtual card, Apple Pay and Google Pay.
Additional support64
Cost efficiency
No monthly fee and 0% conversion fee shape the day-to-day cost profile.
Main constraint35
Company & infrastructure
Pionex operates the programme on Visa/Mastercard.
08 · Evidence
Sources
59 sources59 officialChecked Aug 14, 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
How to apply for Pionex Card Visa or MastercardOfficial source ↗Pionex unsupported countries and KYC regionsOfficial source ↗Visa Card Fees ScheduleOfficial source ↗Mastercard Fees ScheduleOfficial source ↗Visa Card Global Cashback Program GuidelinesOfficial source ↗MasterCard Global Cashback Program GuidelinesOfficial source ↗
09 · Card comparison
How Pionex Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday card access and money movement.
1 / 3
Current card
Pionex Card
Deposits and withdrawals inherit supported routes from the Pionex account.
- 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
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
- 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
Want a deeper comparison?
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