Why it stands out
- RedotPay supports online card use and a physical-card option.
- Apple Pay and Google Pay support fit everyday wallet payments.
- The Pro membership path can add cashback for eligible users.
RedotPay Platinum front cardPremium card design
Stablecoin account + Visa card
RedotPay Card
A crypto-funded prepaid card with virtual and physical options, Apple Pay, Google Pay and optional Pro cashback. Best when quick card access matters more than self-custody.
BTC depositsCrypto-nativeFree base planMulti-assetUSD rewardsPhysical card
100+ countries; exact supported country must be checked during signup or in-app review because no final country list is approved. RedotPay availability intersects card residence eligibility with parent-service location access; the published denylists are not complete positive allowlists. 41 published citizenship-based KYC restrictions are tracked separately from residence availability. 47 physical-delivery restrictions are tracked separately and do not block virtual-card availability by themselves.
Main trade-offs
- Funds move through RedotPay account controls before card spend.
- ATM access is available, but the 3% fee is high for routine cash.
- Practical limits and regional access still depend on onboarding.
01 · Core economics
Costs that matter
RedotPay 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 exchange1.2–2%Compare the FX fee with the cashback rate before using it abroad.
ATM withdrawal2% up to $10,000 /mo; then 3%Fixed and percentage fees make routine cash use expensive.
Physical card$100 refundable depositRefundable deposit, not a usage fee
Limits and secondary feesLimits and other fees
Daily card spendUnknownListed
Monthly card spendUnknownListed
ATM limitUnknownListed
Account depositUnknownListed
02 · Plans & rewards
Choose the plan and the rewards together
RedotPay 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.
Lowest approved purchase reward rate
Same as the approved base rate
USDs cashback
Highest approved tier cap
Memberships
Upgrade
$0/yrRegular
RedotPay card
- Cashback
- Cashback not disclosed
- Requirement
- Default account
- Virtual cards
- 10 USD application fee
- Points
- Points
- Physical card
- 100 USD one-time issuance fee
- Reward expiry
- —
- ATM
- —
- Earn APY
- —
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
$12.90/moor $129/yrPro
RedotPay Pro
- Cashback
- 3% in USDs on first $18/mo
- Requirement
- —
- Virtual cards
- One-time waiver of $10 virtual card application fee
- Points
- USDs cashback
- Physical card
- Free with annual billing ($100 fee waiver)
- Reward expiry
- expires after 30 days
- ATM
- $1,000/mo fee waiver
- Earn APY
- +1% RedotPay Earn APY boost with annual billing where supported
- Best fit
- Paid middle tier: compare the annual price against the cashback uplift and card design benefits.
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
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- 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 RedotPay
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 depositsUSDTBTCETHSOL10 assetsBank depositsEURGBP
Crypto deposits
1 route
Crypto deposits
Credits the linked RedotPay crypto balance used by standard payment mode; Credit v3 treats eligible crypto as collateral.
USDTBTCETHSOL10 assets
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
Fee components
- Fee not publicly confirmed
More assets, currencies or networks
XRP, BNB, S, SUI, TRX, USDC, TRC20, ERC20, BEP20, Bitcoin, Ethereum, Solana, XRPL
Access path
Via provider account
Asset / network map
USDT: TRC20, ERC20, BEP20 · BTC: Bitcoin · ETH: Ethereum · SOL: Solana · XRP: XRPL
Availability
Supported asset and network combinations
Fee scope
Receive fee not publicly confirmed
Limit scope
Deposit limits not publicly confirmed
Restrictions
Via RedotPay account, not a direct card top-up. Availability is intersected with card eligibility and the selected asset/network route.
Bank deposits
1 route
RedotPay account bank deposit
Bank deposits fund the linked RedotPay account in supported regions.
EURGBP
- 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 RedotPay 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 RedotPay 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
RedotPay standard payment mode spends the linked crypto balance.
Money outWays to send, withdraw or settle · 2 routesExternal crypto sendsSupported cryptoBank transfers & payoutsSEPASWIFTLocal bank
External crypto sends
1 route
RedotPay account crypto withdrawal
Via the linked RedotPay account, not a direct card payout.
Supported crypto
- Fee
- Not confirmed
- Speed
- Network-dependent
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
External blockchain address via the asset and network selected in the RedotPay account; account, network and jurisdiction restrictions apply
Fee scope
Not publicly confirmed; shown in the RedotPay account for the selected asset and network
Limit scope
Not publicly confirmed
Restrictions
Via the linked RedotPay account, not a direct card payout. Availability is limited to the overlap between the account withdrawal route and card eligibility.
Bank transfers & payouts
1 route
RedotPay International Transfer
Converts eligible crypto from the linked RedotPay account into local currency.
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Currency-dependent; exact limits are shown for the selected route
- Availability
- SEPA
Route details
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
Eligible personal bank accounts or e-wallets; Pix, SPEI, SEPA and USD SWIFT are examples, while destination, method and jurisdiction availability vary
Fee scope
Not publicly confirmed; varies by destination currency and receiving method
Restrictions
Converts eligible crypto from the linked RedotPay account into local currency. Direct EUR/GBP Currency Account withdrawal, USDs, P2P and buy-crypto paths are excluded from payout-rail counting.
05 · Optional product
Earn is separate from the card
This yield product requires a separate deposit. APY is variable, and neither return nor principal is guaranteed.
Optional yield
RedotPay Earn Pro boost
Up to 1% APY
- Yield source
- RedotPay Earn
- Strategy manager
- RedotPay
- Asset
- Earn-supported assets
- Spend directly from Earn balance
- Not confirmed
- Withdraw anytime
- Not confirmed
- Deposit insurance
- Not confirmed
Risk noteVariable APY, custody and liquidity 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 RedotPay 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
The profile lists known restrictions rather than a complete allowed-country list.
Known restrictions45 countries
AfghanistanAlbaniaBelarusBosnia and HerzegovinaBouvet IslandBurkina FasoBurundiCanadaCentral African RepublicChinaCongo, Democratic Republic of theCroatiaCubaEritreaEthiopiaGuinea-BissauHaitiHong KongIranIraqKosovoLebanonLiberiaLibyaMaliMontenegroMyanmarNicaraguaNorth KoreaNorth MacedoniaRussiaSerbiaSingaporeSloveniaSomaliaSouth KoreaSouth SudanSudanSyriaTanzaniaUkraineUnited StatesVenezuelaYemenZimbabwe
Who handles what
Only concrete responsibilities and identified organisations are shown.
RoleHandled byResponsibility and scope
Card productRedotPay
Public-facing product and account experience; legal operators are listed separately when confirmed.
Custody controlRedotPay + programme partners
Controls settlement until payment.
Custodial accountCard processingRedotPay
Supports card processing for the applicable programme.
Programme operatorRed F. Technology Limited
Provides the line of credit, card-balance settlement framework and Hong Kong programme administration.
Jurisdiction: Hong Kong · Applies to: RedotPay Hong Kong Visa programme.07 · Methodology
Why the score is 62
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.
62/100
ConditionalHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift93
Everyday usability
Visa spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Additional support82
Funding & transfers
2 inbound and 2 outbound routes cover crypto deposits, crypto withdrawals and bank payouts.
Main constraint31
Rewards value
3% base cashback; tier or usage conditions affect the realised rate, paid in USDs.
08 · Evidence
Sources
29 sources29 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
RedotPay Crypto Card - Spend Crypto Like Cash at 130M+ MerchantsOfficial source ↗RedotPay Card Limitations & Fees | RedotPayOfficial source ↗RedotPay Services and Features | RedotPayOfficial source ↗Supported Cryptocurrencies, Networks & Minimum Deposits | RedotPayOfficial source ↗How to Get a RedotPay Card | RedotPayOfficial source ↗Unsupported Countries/Regions | RedotPayOfficial source ↗
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