Main strengths
- 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
RedotPay supports crypto-funded virtual and physical prepaid cards, Apple Pay, Google Pay and optional Pro cashback. Cash withdrawals carry a reviewed 3% fee; practical limits and regional access remain app-dependent.
BTC depositsCrypto-nativeFree base planMulti-assetUSD rewardsPhysical card
Partner link See details
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 Card has a $0 entry option, with paid tiers for higher rewards or added benefits. Funding, FX and cash-access costs remain visible 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 markup1.2–2%Check the fee shown before confirmation; there is no general purchase reward to offset it.
Asset conversion fee1%Applies when a digital asset is converted to the card's settlement currency.
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 spendNot disclosedListed
Monthly card spendNot disclosedListed
ATM limitNot disclosedListed
Account depositNot disclosedListed
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.
Qualification is required before cashback starts
Conditional: not the automatic rate
USDs cashback
Current monthly cashback-value cap across tiers
Memberships
Upgrade
$0/yrRegular
RedotPay card
- Cashback
- 0%
- Requirement
- Default account
- Virtual cards
- 10 USD one-time issuance fee
- Points
- Points
- Physical card
- 100 USD one-time issuance fee
- Cashback Cap
- Not listed
- Full-rate spend
- Not listed
- Reward expiry
- Not listed
- ATM
- Not listed
- Earn APY
- Not listed
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
$12.90/moor $129/yrPro
RedotPay Pro
- Cashback
- 3% in USDs
- Requirement
- Not listed
- Virtual cards
- One-time waiver of $10 virtual card application fee
- Points
- USDs cashback
- Physical card
- Free with annual billing ($100 fee waiver)
- Cashback Cap
- $18 / month
- Full-rate spend
- $600 / month; then 0%
- 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
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 networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- 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 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 receive2 routes
Crypto deposits
1 route
Crypto depositsCredits the linked RedotPay crypto balance used by standard payment mode; Credit v3 treats eligible crypto as collateral.USDTBTCETHSOL10 assetsFeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityConfirmed scopeDetails
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 depositBank deposits fund the linked RedotPay account in supported regions.EURGBPFeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityRegion-dependentDetails
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 settle2 routes
External crypto sends
1 route
RedotPay account crypto withdrawalVia the linked RedotPay 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 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 TransferConverts eligible crypto from the linked RedotPay account into local currency.FeeNot confirmedSpeedNot confirmedLimitsCurrency-dependent; exact limits are shown for the selected routeAvailabilitySEPADetails
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
Add yield through a separate balance
RedotPay Earn Pro boost adds a variable yield option through a separate deposit. Move funds back to the spending balance when direct card spend is not supported.
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, 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 RedotPay 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
- 47 countriesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.
Explicit restriction list47 countries
AfghanistanAlbaniaBelarusBosnia and HerzegovinaBouvet IslandBurkina FasoBurundiCentral African RepublicChinaCongo, Democratic Republic of theCroatiaCubaEritreaEthiopiaGuinea-BissauHaitiIndiaIndonesiaIranIraqKosovoLebanonLiberiaLibyaMaliMontenegroMoroccoMyanmarNepalNicaraguaNorth KoreaNorth MacedoniaRussiaSerbiaSingaporeSloveniaSomaliaSouth SudanSudanSyriaTanzaniaTurkeyUkraineUnited StatesVenezuelaYemenZimbabwe
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productRedotPay
Provides the product and account experience. Named legal operators appear separately.
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.Card issuerXfers Pte. Ltd.
Card issuance
Jurisdiction: Singapore · Applies to: RedotPay Singapore programme07 · Methodology
Why the score is 69
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.
69/100
ModerateHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift99
Everyday usability
Visa spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Additional support87
Company & infrastructure
Named programme infrastructure includes RedotPay (processing), Visa (network) and Xfers Pte. Ltd. (issuer).
Main constraint26
Rewards value
0% ungated cashback; 3% requires programme qualification and is paid in USDs.
08 · Evidence
Sources
28 sources28 officialChecked Aug 25, 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
RedotPay Singapore — card issuer disclosureOfficial source ↗RedotPay location-based access restrictionsOfficial source ↗RedotPay card issuance restrictionsOfficial source ↗RedotPay Crypto Card - Spend Crypto Like Cash at 130M+ MerchantsOfficial source ↗RedotPay Card Limitations & Fees | RedotPayOfficial source ↗RedotPay Services and Features | RedotPayOfficial source ↗
09 · Card comparison
How RedotPay Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday Visa access and money movement.
1 / 3
Current card
RedotPay Card
A crypto-funded prepaid card with virtual, physical and phone-wallet access.
- Card
- Prepaid Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 0%–3%
- FX fee
- 1.2%–2%
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDT + USDC
- Transfers & payouts
- Crypto + Bank transfers
Similar match
KAST supports crypto sends, instant Tag transfers and global or local payouts.
- Card
- Prepaid Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 1.5%–3%
- FX fee
- 0.5%–1.75%
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDT, USDC, USDe +2
- Transfers & payouts
- Crypto, Bank + Internal transfers
- 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
- Transfers & payouts
- Crypto 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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