RedotPayRedotPay
69
Side-by-side card comparison
RedotPay vs Brighty: overall score versus use-case fit
Brighty Card has the higher Overall Score by 1 point (70 vs 69). RedotPay Card looks stronger for Travel, while Brighty Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Information checked Aug 25, 202653 official sources reviewed
01 · Overall score versus use-case fit
Brighty Card is the better all-round starting point
Brighty Card has the higher Overall Score in this comparison. RedotPay Card may be the better fit for Travel. 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.
OverallRedotPay69Brighty70Higher score
CashbackRedotPay41Brighty48Higher score
TravelRedotPay83Brighty80Higher score
Funds controlRedotPay55Brighty65Higher score
Lowest feesRedotPay66Brighty68Higher score
TransfersRedotPay85Brighty93Higher score
Choose RedotPay Card if travel matters most
RedotPay Card comes out ahead for Travel 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 Brighty Card if cashback and funds control matter most
Brighty Card comes out ahead for Cashback, 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.
- Free entry plan
- USDC cashback
- Multiple account rails
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
- RedotPay69Brighty70
Brighty Card has the higher Overall Score by 1 points.
- Entry cost & FX
- RedotPay$0 plan · 1.2–2% FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources 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%Brighty0.5% base · up to 1.75%
Brighty Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- RedotPayCustodial balanceBrightyCustodial balance
RedotPay Card and Brighty Card use the same custodial balance setup.
- Everyday access
- RedotPayVirtual + Physical · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
RedotPay Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- RedotPay2 stablecoins · Stablecoin transfers; RedotPay International TransferBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
Brighty Card lists more stablecoins and ways to send money out (5 vs 4).
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%-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
- Cashback
- 0.5%-1.8%
- Plan cost
- $0
- FX fee
- Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 16 crypto · 4 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
CardsRedotPay CardOverall69Brighty CardOverall70
RedotPay CardOverall69Brighty CardOverall70Scores
6 fields- Overall Score
- RedotPay Card69Brighty Card70
- Cashback score
- RedotPay Card41Brighty Card48
- Travel score
- RedotPay Card83Brighty Card80
- Funds control score
- RedotPay Card55Brighty Card65
- Lowest fees score
- RedotPay Card66Brighty Card68
- Transfers score
- RedotPay Card85Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- RedotPay CardVirtual and physical cards are both available, Apple Pay and Google Pay supportBrighty CardFree entry plan, USDC cashback
- Trade-offs
- RedotPay CardSpending uses a RedotPay account balance, ATM withdrawals carry a 3% feeBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- RedotPay Card$0Brighty Card$0
- FX fee
- RedotPay Card1.2–2%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- RedotPay CardNot disclosedBrighty Card0%
- Card spending fee
- RedotPay CardNot disclosedBrighty CardNot disclosed
- ATM fee
- RedotPay Card2–3%Brighty CardNot disclosed
- Virtual card
- RedotPay Card10 USD one-time issuance fee; non-refundable after paymentBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- RedotPay Card100 USD one-time issuance fee; non-refundable after paymentBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- RedotPay Card2 plans: Regular, ProBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- RedotPay CardPro: 3%Brighty CardOne: 0.5%
Everyday use
8 fields- Network
- RedotPay CardVisaBrighty CardVisa/Mastercard
- Card formats
- RedotPay CardVirtual, PhysicalBrighty CardVirtual, Physical
- ATM withdrawals
- RedotPay CardAvailableBrighty CardAvailable
- Mobile wallets
- RedotPay CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- RedotPay CardiOS, AndroidBrighty CardiOS, Android
- Daily spending limit
- RedotPay CardNot disclosedBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- RedotPay CardNot disclosedBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- RedotPay CardNot disclosedBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- RedotPay CardTRC20, ERC20, BEP20Brighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- RedotPay CardStablecoins: USDT, USDC; Other crypto: BTC, ETH, SOL, XRP, BNB +3Brighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- RedotPay CardRedotPay account bank depositBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- RedotPay CardStablecoin transfers; RedotPay International TransferBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- RedotPay CardNot disclosedBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- RedotPay Card0%Brighty Card0.5%
- Max cashback
- RedotPay Card3%Brighty Card1.8%
- Reward currency
- RedotPay CardUSDs cashbackBrighty CardUSDC
Earn
5 fields- Advertised APY
- RedotPay CardUp to 1% APYBrighty CardNot disclosed
- How it works
- RedotPay CardOptional earn vaultBrighty CardEarn on spending balance
- Separate deposit
- RedotPay CardYesBrighty CardNo
- Use balance for spending
- RedotPay CardNot disclosedBrighty CardYes
- Lock-up
- RedotPay CardNot disclosedBrighty CardNo
Trust & availability
7 fields- Custody
- RedotPay CardCustodialBrighty CardCustodial
- Control until payment
- RedotPay CardProvider controls fundsBrighty CardProvider controls funds
- Card issuer
- RedotPay CardXfers Pte. Ltd.Brighty CardWallester AS
- Card processing
- RedotPay CardRedotPayBrighty CardNot disclosed
- Custody / key management
- RedotPay CardNot disclosedBrighty CardFireblocks
- Identity verification
- RedotPay CardNot disclosedBrighty CardSumsub
- Programme operator
- RedotPay CardRed F. Technology LimitedBrighty CardNot disclosed
Sources
2 fields- Official sources
- RedotPay Card28Brighty Card25
- Last reviewed
- RedotPay CardAug 25, 2026Brighty CardAug 16, 2026
04 · The trade-off
Brighty Card is the stronger all-round choice
Brighty Card finishes ahead with an Overall Score of 70 versus 69 for RedotPay Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Brighty Card has the higher published base cashback rate (0.5% vs 0%).
RedotPay Card still comes out ahead for Travel, which may matter more than the overall result if that is how you plan to use the card. RedotPay Card and Brighty Card use the same custodial balance setup.
Brighty Card lists more stablecoins and ways to send money out (5 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 Brighty Card reviews first.
Continue with
RedotPay Card
Continue with
Brighty Card
05 · Common questions
RedotPay vs Brighty FAQ
Is RedotPay or Brighty better overall?
Brighty Card has the higher Overall Score (70 vs 69). 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 Brighty?
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 Brighty?
Brighty Card has the higher published base cashback rate (0.5% vs 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 Brighty differ on custody?
RedotPay Card and Brighty Card use the same custodial balance setup.
How current is this RedotPay vs Brighty comparison?
The latest information check for these two cards was August 25, 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.