RedotPayRedotPay
69
Side-by-side card comparison
RedotPay vs ARQ: fees, rewards and account setup
RedotPay Card has the higher Overall Score by 5 points (69 vs 64). RedotPay Card also looks stronger for Travel, Funds control, Lowest fees, and Transfers. The details below show where ARQ Card may still be the better personal fit.
Information checked Aug 25, 202664 official sources reviewed
01 · Make the first cut
RedotPay Card is the better all-round starting point
RedotPay Card has the higher Overall Score in this comparison. ARQ Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallRedotPay69ARQ64Higher score
CashbackRedotPay41ARQ41Same score
TravelRedotPay83ARQ62Higher score
Funds controlRedotPay55ARQ52Higher score
Lowest feesRedotPay66ARQ52Higher score
TransfersRedotPay85ARQ75Higher score
Choose RedotPay Card if travel and funds control matter most
RedotPay Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual and physical cards are both available
- Apple Pay and Google Pay support
- Optional Pro plan can add cashback
Choose ARQ Card if its day-to-day setup suits you
ARQ Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Clear four-country residence coverage
- Virtual, physical and phone-wallet access
- Paid tiers add cashback and earnings
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- RedotPay69ARQ64
RedotPay Card has the higher Overall Score by 5 points.
- Entry cost & FX
- RedotPay$0 plan · 1.2–2% FXARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply 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
- RedotPay0% base · up to 3%ARQ0% base · up to 2%
Both cards show the same base cashback rate of 0%.
- Funds control
- RedotPayCustodial balanceARQCustodial balance
RedotPay Card and ARQ Card use the same custodial balance setup.
- Everyday access
- RedotPayVirtual + Physical · Apple Pay, Google PayARQVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- RedotPay2 stablecoins · Stablecoin transfers; RedotPay International TransferARQ4 stablecoins · ARQ P2P; USD ACH payout
ARQ Card lists more stablecoins and ways to send money out (6 vs 4).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 0%-3%
- Plan cost
- $0
- FX fee
- 1.2–2%
- ATM fee
- 2–3%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 10 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
64
- Cashback
- 0%-2%
- Plan cost
- $0
- FX fee
- Provider spread unknown; Argentina/Brazil variant charges may apply
- ATM fee
- 1–3%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 1 fiat
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03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsRedotPay CardOverall69ARQ CardOverall64
RedotPay CardOverall69ARQ CardOverall64Scores
6 fields- Overall Score
- RedotPay Card69ARQ Card64
- Cashback score
- RedotPay Card41ARQ Card41
- Travel score
- RedotPay Card83ARQ Card62
- Funds control score
- RedotPay Card55ARQ Card52
- Lowest fees score
- RedotPay Card66ARQ Card52
- Transfers score
- RedotPay Card85ARQ Card75
Strengths & trade-offs
2 fields- Strengths
- RedotPay CardVirtual and physical cards are both available, Apple Pay and Google Pay supportARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet access
- Trade-offs
- RedotPay CardSpending uses a RedotPay account balance, ATM withdrawals carry a 3% feeARQ CardProvider FX spread remains unclear, Headline cashback requires membership
Costs
7 fields- Plan cost
- RedotPay Card$0ARQ Card$0
- FX fee
- RedotPay Card1.2–2%ARQ CardProvider spread unknown; Argentina/Brazil variant charges may apply
- Top-up fee
- RedotPay CardNot disclosedARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EUR
- Card spending fee
- RedotPay CardNot disclosedARQ Card0%
- ATM fee
- RedotPay Card2–3%ARQ Card1–3%
- Virtual card
- RedotPay Card10 USD one-time issuance fee; non-refundable after paymentARQ CardFree
- Physical card
- RedotPay Card100 USD one-time issuance fee; non-refundable after paymentARQ Card$4.99 Standard; $0 Premium
Plans
2 fields- Available plans
- RedotPay Card2 plans: Regular, ProARQ Card3 plans: Standard, Premium, Prestige
- Top cashback plan
- RedotPay CardPro: 3%ARQ CardPrestige: 2%
Everyday use
8 fields- Network
- RedotPay CardVisaARQ CardMastercard
- Card formats
- RedotPay CardVirtual, PhysicalARQ CardVirtual, Physical
- ATM withdrawals
- RedotPay CardAvailableARQ CardAvailable
- Mobile wallets
- RedotPay CardApple Pay, Google PayARQ CardApple Pay, Google Pay
- Apps
- RedotPay CardiOS, AndroidARQ CardiOS, Android
- Daily spending limit
- RedotPay CardNot disclosedARQ CardNot disclosed
- Monthly spending limit
- RedotPay CardNot disclosedARQ CardNot disclosed
- ATM limit
- RedotPay CardNot disclosedARQ CardNot disclosed
Funding & transfers
5 fields- Networks
- RedotPay CardTRC20, ERC20, BEP20ARQ CardEthereum, Polygon, Tron
- Crypto deposits
- RedotPay CardStablecoins: USDT, USDC; Other crypto: BTC, ETH, SOL, XRP, BNB +3ARQ CardStablecoins: USDC, USDT
- Fiat deposits
- RedotPay CardRedotPay account bank depositARQ CardUSD receive, EUR receive
- Transfers
- RedotPay CardStablecoin transfers; RedotPay International TransferARQ CardARQ P2P; USD ACH payout
- Payout currencies
- RedotPay CardNot disclosedARQ CardUSD
Rewards
3 fields- Base cashback
- RedotPay Card0%ARQ Card0%
- Max cashback
- RedotPay Card3%ARQ Card2%
- Reward currency
- RedotPay CardUSDs cashbackARQ CardUSDc cashback
Earn
5 fields- Advertised APY
- RedotPay CardUp to 1% APYARQ CardUp to 4.5% APY
- How it works
- RedotPay CardOptional earn vaultARQ CardEarn on spending balance, Optional earn vault
- Separate deposit
- RedotPay CardYesARQ CardYes
- Use balance for spending
- RedotPay CardNot disclosedARQ CardNo
- Lock-up
- RedotPay CardNot disclosedARQ CardNo
Trust & availability
5 fields- Custody
- RedotPay CardCustodialARQ CardCustodial
- Control until payment
- RedotPay CardProvider controls fundsARQ CardProvider controls funds
- Card issuer
- RedotPay CardXfers Pte. Ltd.ARQ CardNot disclosed
- Card processing
- RedotPay CardRedotPayARQ CardNot disclosed
- Programme operator
- RedotPay CardRed F. Technology LimitedARQ CardNot disclosed
Sources
2 fields- Official sources
- RedotPay Card28ARQ Card36
- Last reviewed
- RedotPay CardAug 25, 2026ARQ CardAug 5, 2026
04 · The takeaway
RedotPay Card is the stronger all-round choice
RedotPay Card finishes ahead with an Overall Score of 69 versus 64 for ARQ Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
ARQ Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. RedotPay Card and ARQ Card use the same custodial balance setup.
ARQ Card lists more stablecoins and ways to send money out (6 vs 4). 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 RedotPay Card and ARQ Card reviews first.
Continue with
RedotPay Card
Continue with
ARQ Card
05 · Common questions
RedotPay vs ARQ FAQ
Is RedotPay or ARQ better overall?
RedotPay Card has the higher Overall Score (69 vs 64). 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, RedotPay or ARQ?
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, RedotPay or ARQ?
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 RedotPay and ARQ differ on custody?
RedotPay Card and ARQ Card use the same custodial balance setup.
How current is this RedotPay vs ARQ comparison?
The latest information check for these two cards was August 25, 2026, using 64 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.