MPChatMPChat
52
Side-by-side card comparison
MPChat vs Coin98 Fusion
Coin98 Fusion Card has the higher Overall Score by 9 points (61 vs 52). MPChat Card looks stronger for Cashback, Travel, and Transfers, while Coin98 Fusion Card comes out ahead for Funds control and Lowest fees.
Latest check Nov 12, 202653 official sources reviewed
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
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.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
Coin98 Fusion Card
Best fit
- Eligible APAC users funding a card with USDC or USDT across five networks.
- Online and phone-wallet purchases through the Coin98 app's virtual Visa.
- Occasional card use without a recurring membership or subscription fee.
Before you choose
- Virtual issuance costs $9; top-ups and conversion each carry a separate 1% fee.
- Current SGD terms pay no cashback and charge 1.7% for foreign conversion.
- Top-ups leave your self-custody wallet for a separate DCS card account.
Fees & features
Compare the details
CardsMPChat CardOverall52Coin98 Fusion CardOverall61
MPChat CardOverall52Coin98 Fusion CardOverall61Scores
- Overall Score
- MPChat Card52Coin98 Fusion Card61
- Cashback score
- MPChat Card18Coin98 Fusion Card17
- Travel score
- MPChat Card72Coin98 Fusion Card65
- Funds control score
- MPChat Card41Coin98 Fusion Card64
- Lowest fees score
- MPChat Card60Coin98 Fusion Card73
- Transfers score
- MPChat Card58Coin98 Fusion Card39
Costs
- Plan cost
- MPChat Card$0Coin98 Fusion Card$0
- FX fee
- MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separateCoin98 Fusion Card1.7% foreign-currency conversion
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardCoin98 Fusion Card1%
- Card spending fee
- MPChat Card$0.10 + 0.8%Coin98 Fusion CardNot disclosed
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessCoin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Virtual card
- MPChat CardCloud: 10 USDT one timeCoin98 Fusion CardUSD 9 issuance/activation fee
- Physical card
- MPChat CardBoundless: 100 USDT one timeCoin98 Fusion CardNot applicable while the physical card is under development
Plans & rewards
- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardCoin98 Fusion CardNot disclosed
- Top cashback plan
- MPChat CardNot disclosedCoin98 Fusion CardNot disclosed
- Base cashback
- MPChat CardNot disclosedCoin98 Fusion Card0%
- Max cashback
- MPChat CardNot disclosedCoin98 Fusion Card0%
- Reward currency
- MPChat CardNot disclosedCoin98 Fusion CardNot applicable
Everyday use
- Network
- MPChat CardVisaCoin98 Fusion CardVisa
- Card formats
- MPChat CardVirtual, PhysicalCoin98 Fusion CardVirtual
- ATM withdrawals
- MPChat CardAvailableCoin98 Fusion CardAvailable
- Mobile wallets
- MPChat CardGoogle PayCoin98 Fusion CardApple Pay, Google Pay
- Apps
- MPChat CardNot disclosedCoin98 Fusion CardiOS, Android
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerCoin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limit
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerCoin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limit
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlyCoin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclear
Funding & transfers
- Networks
- MPChat CardTron (TRC20)Coin98 Fusion CardEthereum, Solana, Polygon, Base, Tron
- Crypto deposits
- MPChat CardStablecoins: USDTCoin98 Fusion CardStablecoins: USDC, USDT
- Fiat deposits
- MPChat CardNot disclosedCoin98 Fusion CardNot disclosed
- Transfers
- MPChat CardStablecoin transfersCoin98 Fusion CardNot disclosed
- Payout currencies
- MPChat CardNot disclosedCoin98 Fusion CardNot disclosed
Earn
- Advertised APY
- MPChat CardNot offeredCoin98 Fusion CardNot offered
- How it works
- MPChat CardNot offeredCoin98 Fusion CardNot offered
- Separate deposit
- MPChat CardNot offeredCoin98 Fusion CardNot offered
- Use balance for spending
- MPChat CardNot offeredCoin98 Fusion CardNot offered
- Lock-up
- MPChat CardNot offeredCoin98 Fusion CardNot offered
Trust & availability
- Custody
- MPChat CardCustodialCoin98 Fusion CardHybrid custody
- Control until payment
- MPChat CardProvider controls fundsCoin98 Fusion CardProvider controls funds
- Card issuer
- MPChat CardNot disclosedCoin98 Fusion CardDCS Card Centre Pte. Ltd.
Sign-up Offers
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
Coin98 Fusion Card
No active signup offer listed.
Choosing between these cards
When to choose MPChat or Coin98 Fusion
Paying with a physical card
MPChat offers a physical card, while Coin98 Fusion does not. For purchases that require the card itself rather than a phone wallet, consider MPChat and check its order and delivery terms.
Using an exchange account
Coin98 Fusion does not require a centralised-exchange account; MPChat does. Consider MPChat if you already want to use that exchange, or Coin98 Fusion if you want to avoid that account requirement.
Using the crypto you already hold
MPChat's reviewed deposit assets include USDT; Coin98 Fusion's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
MPChat vs Coin98 Fusion FAQ
Is MPChat or Coin98 Fusion better overall?
Coin98 Fusion Card has the higher Overall Score (61 vs 52). 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, MPChat or Coin98 Fusion?
MPChat Card has the lower published FX fee (0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate vs 1.7% foreign-currency conversion). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, MPChat or Coin98 Fusion?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do MPChat and Coin98 Fusion differ on custody?
MPChat Card uses a custodial balance setup, while Coin98 Fusion Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this MPChat vs Coin98 Fusion comparison?
The latest information check for these two cards was November 12, 2026, using 53 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.