Coin98Coin98 Fusion
60
Side-by-side card comparison
Coin98 Fusion vs Pionex: overall score versus use-case fit
Coin98 Fusion Card has the higher Overall Score by 3 points (60 vs 57). Coin98 Fusion Card looks stronger for Travel, Funds control, and Lowest fees, while Pionex Card comes out ahead for Cashback and Transfers.
Information checked Aug 14, 202682 official sources reviewed
01 · Overall score versus use-case fit
Coin98 Fusion Card is the better all-round starting point
Coin98 Fusion Card has the higher Overall Score in this comparison. Pionex Card may be the better fit for Cashback and Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallCoin98 Fusion60Pionex57Higher score
CashbackCoin98 Fusion17Pionex52Higher score
TravelCoin98 Fusion65Pionex29Higher score
Funds controlCoin98 Fusion64Pionex43Higher score
Lowest feesCoin98 Fusion72Pionex58Higher score
TransfersCoin98 Fusion39Pionex79Higher score
Choose Coin98 Fusion Card if travel and funds control matter most
Coin98 Fusion Card comes out ahead for Travel, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual Visa with both phone wallets
- USDC and USDT top-ups on five networks
- No monthly or annual card fee
Choose Pionex Card if cashback and transfers matter most
Pionex Card comes out ahead for Cashback and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Visa and Mastercard options
- 0.1%-1% cashback in USDT
- Pionex account funding and payouts
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Coin98 Fusion60Pionex57
Coin98 Fusion Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXPionex$0 plan · Not disclosed FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Coin98 Fusion0% cashbackPionex0.1% base · up to 1%
Pionex Card has the higher published base cashback rate (0.1% vs 0%).
- Funds control
- Coin98 FusionHybrid custodyPionexCustodial balance
Coin98 Fusion Card uses a hybrid custody setup, while Pionex Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Coin98 FusionVirtual · Apple Pay, Google PayPionexVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledPionex1 stablecoin · Stablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
Pionex Card lists more stablecoins and ways to send money out (4 vs 2).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.7% foreign-currency conversion
- ATM fee
- 1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
- Cashback
- 0.1%-1%
- Plan cost
- $0
- FX fee
- Not disclosed
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
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03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsCoin98 Fusion CardOverall60Pionex CardOverall57
Coin98 Fusion CardOverall60Pionex CardOverall57Scores
6 fields- Overall Score
- Coin98 Fusion Card60Pionex Card57
- Cashback score
- Coin98 Fusion Card17Pionex Card52
- Travel score
- Coin98 Fusion Card65Pionex Card29
- Funds control score
- Coin98 Fusion Card64Pionex Card43
- Lowest fees score
- Coin98 Fusion Card72Pionex Card58
- Transfers score
- Coin98 Fusion Card39Pionex Card79
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksPionex CardVisa and Mastercard options, 0.1%-1% cashback in USDT
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applyPionex CardMastercard can cost up to 3.5%, General access is virtual-only
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0Pionex Card$0
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionPionex CardNot disclosed
- Top-up fee
- Coin98 Fusion Card1%Pionex CardNot disclosed
- Card spending fee
- Coin98 Fusion CardNot disclosedPionex Card3.5%
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargePionex CardNot available
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feePionex CardAvailable
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentPionex CardNot available
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedPionex Card2 plans: Mastercard, Visa
- Top cashback plan
- Coin98 Fusion CardNot disclosedPionex CardVisa: 1%
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaPionex CardVisa/Mastercard
- Card formats
- Coin98 Fusion CardVirtualPionex CardVirtual
- ATM withdrawals
- Coin98 Fusion CardAvailablePionex CardNot available
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayPionex CardApple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidPionex CardNot disclosed
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitPionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on network
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitPionex Card$50,000-$100,000/month depending on network
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearPionex CardNot available
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronPionex CardNot disclosed
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTPionex CardOther crypto: Supported crypto
- Fiat deposits
- Coin98 Fusion CardNot disclosedPionex CardNot disclosed
- Transfers
- Coin98 Fusion CardNot disclosedPionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
- Payout currencies
- Coin98 Fusion CardNot disclosedPionex CardNot disclosed
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%Pionex Card0.1%
- Max cashback
- Coin98 Fusion Card0%Pionex Card1%
- Reward currency
- Coin98 Fusion CardNot applicablePionex CardUSDT
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredPionex CardUp to 5% APY
- How it works
- Coin98 Fusion CardNot offeredPionex CardEarn on spending balance
- Separate deposit
- Coin98 Fusion CardNot offeredPionex CardNo
- Use balance for spending
- Coin98 Fusion CardNot offeredPionex CardYes
- Lock-up
- Coin98 Fusion CardNot offeredPionex CardNo
Trust & availability
3 fields- Custody
- Coin98 Fusion CardHybrid custodyPionex CardCustodial
- Control until payment
- Coin98 Fusion CardProvider controls fundsPionex CardProvider controls funds
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.Pionex CardNot disclosed
Sources
2 fields- Official sources
- Coin98 Fusion Card23Pionex Card59
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Pionex CardAug 14, 2026
04 · The trade-off
Coin98 Fusion Card is the stronger all-round choice
Coin98 Fusion Card finishes ahead with an Overall Score of 60 versus 57 for Pionex Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Pionex Card has the higher published base cashback rate (0.1% vs 0%).
Pionex Card still comes out ahead for Cashback and Transfers, which may matter more than the overall result if that is how you plan to use the card. Coin98 Fusion Card uses a hybrid custody setup, while Pionex Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Pionex Card lists more stablecoins and ways to send money out (4 vs 2). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Coin98 Fusion Card and Pionex Card reviews first.
Continue with
Coin98 Fusion Card
Continue with
Pionex Card
05 · Common questions
Coin98 Fusion vs Pionex FAQ
Is Coin98 Fusion or Pionex better overall?
Coin98 Fusion Card has the higher Overall Score (60 vs 57). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Coin98 Fusion or Pionex?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Coin98 Fusion or Pionex?
Pionex Card has the higher published base cashback rate (0.1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Coin98 Fusion and Pionex differ on custody?
Coin98 Fusion Card uses a hybrid custody setup, while Pionex Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Coin98 Fusion vs Pionex comparison?
The latest information check for these two cards was August 14, 2026, using 82 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.