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Unofficial MPChat-inspired card design concept; not an issued card design
52Overall

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.

Before you choose

  • Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
  • Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
Read review
RedotPay Visa Platinum card front visual
69Overall

Best fit

  • Paying from a crypto balance without subscribing to the optional Pro plan.
  • Combining crypto deposits with eligible EUR and GBP account funding.

Before you choose

  • Virtual issuance costs $10; the physical card costs $100 to apply for.
  • Crypto conversion costs 1%; foreign purchases can add 1.2–2% FX.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

01

Scores

Overall Score
MPChat Card: 52
RedotPay Card: 69
Cashback score
MPChat Card: 18
RedotPay Card: 41
Travel score
MPChat Card: 72
RedotPay Card: 84
Funds control score
MPChat Card: 41
RedotPay Card: 55
Lowest fees score
MPChat Card: 60
RedotPay Card: 66
Transfers score
MPChat Card: 58
RedotPay Card: 85
02

Costs

Plan cost
MPChat Card: $0
RedotPay Card: $0
FX fee
MPChat Card: 0%
RedotPay Card: 1.2–2%
Top-up fee
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
RedotPay Card: Not disclosed
Card spending fee
MPChat Card: 0.8%
RedotPay Card: Not disclosed
ATM fee
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
RedotPay Card: 2% up to $10,000 /mo; then 3%
Virtual card
MPChat Card: Cloud: 10 USDT one time
RedotPay Card: 10 USD one-time issuance fee; non-refundable after payment
Physical card
MPChat Card: $100
RedotPay Card: $100 refundable deposit
Asset conversion fee
MPChat Card: Not disclosed
RedotPay Card: 1%
03

Plans & rewards

Entry plan
MPChat Card: Cloud Card
RedotPay Card: Regular
Base cashback
MPChat Card: Not disclosed
RedotPay Card: 0%
Max cashback
MPChat Card: Not disclosed
RedotPay Card: 3%
Reward currency
MPChat Card: Not disclosed
RedotPay Card: USDs
Cashback cap · entry plan
MPChat Card: Not disclosed
RedotPay Card: Not listed
Top cashback plan
MPChat Card: Not disclosed
RedotPay Card: Pro
Cashback on top plan
MPChat Card: Not disclosed
RedotPay Card: 3% in USDs
Cashback cap · top plan
MPChat Card: Not disclosed
RedotPay Card: $18 / month
Full-rate spend · top plan
MPChat Card: Not disclosed
RedotPay Card: $600 / month
Rate after spend cap · top plan
MPChat Card: Not disclosed
RedotPay Card: 0%
Top plan price / access
MPChat Card: Not disclosed
RedotPay Card: $12.90/mo · or $129/yr
Top plan qualification
MPChat Card: Not disclosed
RedotPay Card: $12.90/month subscription or $129/year subscription
04

Everyday use

Network
MPChat Card: Visa
RedotPay Card: Visa
Card formats
MPChat Card: Virtual, Physical
RedotPay Card: Virtual, Physical
ATM withdrawals
MPChat Card: Available
RedotPay Card: Available
Mobile wallets
MPChat Card: Google Pay
RedotPay Card: Apple Pay, Google Pay
Apps
MPChat Card: Not disclosed
RedotPay Card: iOS, Android
Daily spending limit
MPChat Card: $250,000 / day
RedotPay Card: Unknown
Monthly spending limit
MPChat Card: $1,000,000 / month
RedotPay Card: Unknown
ATM limit
MPChat Card: $1,500 / day
RedotPay Card: Unknown
05

Money in & out

Networks
MPChat Card: Tron (TRC20)
RedotPay Card: TRC20, ERC20, BEP20
Stablecoin deposits
MPChat Card: USDT
RedotPay Card: USDT, USDC
Other crypto deposits
MPChat Card: Not disclosed
RedotPay Card: BTC, ETH, SOL, XRP, BNB +3
Fiat deposits
MPChat Card: Not disclosed
RedotPay Card: RedotPay account bank deposit
Crypto transfers
MPChat Card: External USDT withdrawal
RedotPay Card: RedotPay account crypto withdrawal
Internal transfers
MPChat Card: Not disclosed
RedotPay Card: Not disclosed
Bank transfers
MPChat Card: Not disclosed
RedotPay Card: RedotPay International Transfer
Payout currencies
MPChat Card: Not disclosed
RedotPay Card: Not disclosed
06

Earn

Advertised APY
MPChat Card: Not offered
RedotPay Card: Up to 1% APY
How it works
MPChat Card: Not offered
RedotPay Card: Optional earn vault
Separate deposit
MPChat Card: Not offered
RedotPay Card: Yes
Use balance for spending
MPChat Card: Not offered
RedotPay Card: Not disclosed
Lock-up
MPChat Card: Not offered
RedotPay Card: Not disclosed
07

Trust & sources

Custody
MPChat Card: Custodial
RedotPay Card: Custodial
Control until payment
MPChat Card: Provider controls funds
RedotPay Card: Provider controls funds
Card issuer
MPChat Card: Not disclosed
RedotPay Card: Xfers Pte. Ltd.
Card processing
MPChat Card: Not disclosed
RedotPay Card: RedotPay
Programme operator
MPChat Card: Not disclosed
RedotPay Card: Red F. Technology Limited
Official sources
MPChat Card: 30
RedotPay Card: 28
Last reviewed
MPChat Card: Nov 12, 2026
RedotPay Card: Nov 12, 2026

Using the comparison

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Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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