PayyPayy
62
Side-by-side card comparison
Payy vs Coin98 Fusion: overall score versus use-case fit
Payy Card has the higher Overall Score by 2 points (62 vs 60). Payy Card looks stronger for Funds control and Transfers, while Coin98 Fusion Card comes out ahead for Travel and Lowest fees.
Information checked Aug 5, 202628 official sources reviewed
01 · Overall score versus use-case fit
Payy Card is the better all-round starting point
Payy Card has the higher Overall Score in this comparison. Coin98 Fusion Card may be the better fit for Travel and Lowest fees. 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.
OverallPayy62Coin98 Fusion60Higher score
CashbackPayy17Coin98 Fusion17Same score
TravelPayy27Coin98 Fusion65Higher score
Funds controlPayy97Coin98 Fusion64Higher score
Lowest feesPayy57Coin98 Fusion72Higher score
TransfersPayy68Coin98 Fusion39Higher score
Choose Payy Card if funds control and transfers matter most
Payy Card comes out ahead for Funds control and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet control
- No monthly or transaction fee
- Instant virtual Visa with phone wallets
Choose Coin98 Fusion Card if travel and lowest fees matter most
Coin98 Fusion Card comes out ahead for Travel 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
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
- Payy62Coin98 Fusion60
Payy Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Payy$0 plan · 1–3% FXCoin98 Fusion$0 plan · 1.7% foreign-currency conversion FX
Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs 1–3%).
- Purchase rewards
- Payy0% cashbackCoin98 Fusion0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- PayySelf-controlled walletCoin98 FusionHybrid custody
Payy Card uses a self-controlled wallet 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.
- Everyday access
- PayyVirtual · Apple Pay, Google PayCoin98 FusionVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Payy1 stablecoin · Stablecoin transfers; Payy payment linksCoin98 Fusion2 stablecoins · Not modeled
Payy Card lists more stablecoins and ways to send money out (3 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
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
- 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
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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
CardsPayy CardOverall62Coin98 Fusion CardOverall60
Payy CardOverall62Coin98 Fusion CardOverall60Scores
6 fields- Overall Score
- Payy Card62Coin98 Fusion Card60
- Cashback score
- Payy Card17Coin98 Fusion Card17
- Travel score
- Payy Card27Coin98 Fusion Card65
- Funds control score
- Payy Card97Coin98 Fusion Card64
- Lowest fees score
- Payy Card57Coin98 Fusion Card72
- Transfers score
- Payy Card68Coin98 Fusion Card39
Strengths & trade-offs
2 fields- Strengths
- Payy CardSelf-custody wallet control, No monthly or transaction feeCoin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networks
- Trade-offs
- Payy CardFX can reach 3%, Cash and physical access are constrainedCoin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees apply
Costs
7 fields- Plan cost
- Payy Card$0Coin98 Fusion Card$0
- FX fee
- Payy Card1–3%Coin98 Fusion Card1.7% foreign-currency conversion
- Top-up fee
- Payy Card0%Coin98 Fusion Card1%
- Card spending fee
- Payy Card0%Coin98 Fusion CardNot disclosed
- ATM fee
- Payy CardNot availableCoin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Virtual card
- Payy CardFree; instant after KYCCoin98 Fusion CardUSD 9 issuance/activation fee
- Physical card
- Payy CardNot disclosedCoin98 Fusion CardNot applicable while the physical card is under development
Plans
2 fields- Available plans
- Payy CardNot disclosedCoin98 Fusion CardNot disclosed
- Top cashback plan
- Payy CardNot disclosedCoin98 Fusion CardNot disclosed
Everyday use
8 fields- Network
- Payy CardVisa/Other networkCoin98 Fusion CardVisa
- Card formats
- Payy CardVirtualCoin98 Fusion CardVirtual
- ATM withdrawals
- Payy CardNot availableCoin98 Fusion CardAvailable
- Mobile wallets
- Payy CardApple Pay, Google PayCoin98 Fusion CardApple Pay, Google Pay
- Apps
- Payy CardiOS, AndroidCoin98 Fusion CardiOS, Android
- Daily spending limit
- Payy CardNot disclosedCoin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limit
- Monthly spending limit
- Payy CardNot disclosedCoin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limit
- ATM limit
- Payy CardNot disclosedCoin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclear
Funding & transfers
5 fields- Networks
- Payy CardPolygon, Payy NetworkCoin98 Fusion CardEthereum, Solana, Polygon, Base, Tron
- Crypto deposits
- Payy CardStablecoins: USDCCoin98 Fusion CardStablecoins: USDC, USDT
- Fiat deposits
- Payy CardBank-account depositCoin98 Fusion CardNot disclosed
- Transfers
- Payy CardStablecoin transfers; Payy payment linksCoin98 Fusion CardNot disclosed
- Payout currencies
- Payy CardNot disclosedCoin98 Fusion CardNot disclosed
Rewards
3 fields- Base cashback
- Payy Card0%Coin98 Fusion Card0%
- Max cashback
- Payy Card0%Coin98 Fusion Card0%
- Reward currency
- Payy CardNo cashbackCoin98 Fusion CardNot applicable
Earn
5 fields- Advertised APY
- Payy CardNot offeredCoin98 Fusion CardNot offered
- How it works
- Payy CardNot offeredCoin98 Fusion CardNot offered
- Separate deposit
- Payy CardNot offeredCoin98 Fusion CardNot offered
- Use balance for spending
- Payy CardNot offeredCoin98 Fusion CardNot offered
- Lock-up
- Payy CardNot offeredCoin98 Fusion CardNot offered
Trust & availability
4 fields- Custody
- Payy CardSelf-custodyCoin98 Fusion CardHybrid custody
- Control until payment
- Payy CardYou keep controlCoin98 Fusion CardProvider controls funds
- Card issuer
- Payy CardThird National / RainCoin98 Fusion CardDCS Card Centre Pte. Ltd.
- Card processing
- Payy CardRainCoin98 Fusion CardNot disclosed
Sources
2 fields- Official sources
- Payy Card5Coin98 Fusion Card23
- Last reviewed
- Payy CardAug 5, 2026Coin98 Fusion CardAug 5, 2026
04 · The trade-off
Payy Card is the stronger all-round choice
Payy Card finishes ahead with an Overall Score of 62 versus 60 for Coin98 Fusion Card. Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs 1–3%). Both cards show the same base cashback rate of 0%.
Coin98 Fusion Card still comes out ahead for Travel and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Payy Card uses a self-controlled wallet 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.
Payy Card lists more stablecoins and ways to send money out (3 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 Payy Card and Coin98 Fusion Card reviews first.
Continue with
Payy Card
Continue with
Coin98 Fusion Card
05 · Common questions
Payy vs Coin98 Fusion FAQ
Is Payy or Coin98 Fusion better overall?
Payy Card has the higher Overall Score (62 vs 60). 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, Payy or Coin98 Fusion?
Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs 1–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Payy or Coin98 Fusion?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Payy and Coin98 Fusion differ on custody?
Payy Card uses a self-controlled wallet 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 Payy vs Coin98 Fusion comparison?
The latest information check for these two cards was August 5, 2026, using 28 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.