Plasma updates memberships and cashback from November 11
Standard, Premium and Platinum now use new XPL cashback bands. Premium costs $600 a year and Platinum $2,500; regional Standard activation can cost $0–$10. Premium covers FX within $3,000 monthly.
The essentials
Update facts
- Current schedule
- Nov 11
- Standard activation by region
- $0–$10
- Premium 0% FX allowance
- $3,000/month
Membership and fee conditions
- Standard membership pricing is shown in the app for your region. A $10 activation deposit remains spendable where it is a deposit; some regions instead charge a $10 card fee.
- Standard FX is modeled as 1% Plasma plus a variable Visa component typically around 1%. Premium covers both through its $3,000 monthly allowance, then the reviewed estimate is about 2%. Platinum covers FX without a monthly cap.
- Non-USD ATM withdrawals use the Premium FX allowance. The separate $2 + 2% ATM fee and operator surcharges remain.
Current cashback bands
Standard earns 1% in XPL on the first $500 of eligible monthly spend, then 0.1%. Premium earns 2% on the first $1,000, 1% on the next $1,000 and 0.25% thereafter. Platinum earns 3% on the first $3,000, 2% on the next $7,000 and 1% thereafter.
Premium can be accessed for $600 a year or by locking 20,000 XPL for 12 months. Platinum costs $2,500 a year or locks 100,000 XPL for 12 months.
Credits and the changeover
AI spend credit replaces the previous AI cashback and subscription rebates: Premium receives $200 a year and Platinum $500, allocated monthly without rollover. Airline and wellness spend credits are separate capped Platinum benefits.
Plasma gives November 11 as the existing-member changeover date. Existing account terms can differ; check the membership and renewal conditions shown in your account. The catalogue now uses the current schedule for new applicants.