RedotPayRedotPay
69
Side-by-side card comparison
RedotPay vs Coin98 Fusion: overall score versus use-case fit
RedotPay Card has the higher Overall Score by 9 points (69 vs 60). RedotPay Card looks stronger for Cashback, Travel, and Transfers, while Coin98 Fusion Card comes out ahead for Funds control and Lowest fees.
Information checked Aug 25, 202651 official sources reviewed
01 · Overall score versus use-case fit
RedotPay Card is the better all-round starting point
RedotPay Card has the higher Overall Score in this comparison. Coin98 Fusion Card may be the better fit for Funds control 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.
OverallRedotPay69Coin98 Fusion60Higher score
CashbackRedotPay41Coin98 Fusion17Higher score
TravelRedotPay83Coin98 Fusion65Higher score
Funds controlRedotPay55Coin98 Fusion64Higher score
Lowest feesRedotPay66Coin98 Fusion72Higher score
TransfersRedotPay85Coin98 Fusion39Higher score
Choose RedotPay Card if cashback and travel matter most
RedotPay Card comes out ahead for Cashback, Travel, 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 Coin98 Fusion Card if funds control and lowest fees matter most
Coin98 Fusion Card comes out ahead for Funds control 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
- RedotPay69Coin98 Fusion60
RedotPay Card has the higher Overall Score by 9 points.
- Entry cost & FX
- RedotPay$0 plan · 1.2–2% 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 1.2–2%).
- Purchase rewards
- RedotPay0% base · up to 3%Coin98 Fusion0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- RedotPayCustodial balanceCoin98 FusionHybrid custody
RedotPay 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.
- Everyday access
- RedotPayVirtual + Physical · Apple Pay, Google PayCoin98 FusionVirtual · Apple Pay, Google Pay
RedotPay Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- RedotPay2 stablecoins · Stablecoin transfers; RedotPay International TransferCoin98 Fusion2 stablecoins · Not modeled
RedotPay Card lists more stablecoins and ways to send money out (4 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%-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%
- 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
CardsRedotPay CardOverall69Coin98 Fusion CardOverall60
RedotPay CardOverall69Coin98 Fusion CardOverall60Scores
6 fields- Overall Score
- RedotPay Card69Coin98 Fusion Card60
- Cashback score
- RedotPay Card41Coin98 Fusion Card17
- Travel score
- RedotPay Card83Coin98 Fusion Card65
- Funds control score
- RedotPay Card55Coin98 Fusion Card64
- Lowest fees score
- RedotPay Card66Coin98 Fusion Card72
- Transfers score
- RedotPay Card85Coin98 Fusion Card39
Strengths & trade-offs
2 fields- Strengths
- RedotPay CardVirtual and physical cards are both available, Apple Pay and Google Pay supportCoin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networks
- Trade-offs
- RedotPay CardSpending uses a RedotPay account balance, ATM withdrawals carry a 3% feeCoin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees apply
Costs
7 fields- Plan cost
- RedotPay Card$0Coin98 Fusion Card$0
- FX fee
- RedotPay Card1.2–2%Coin98 Fusion Card1.7% foreign-currency conversion
- Top-up fee
- RedotPay CardNot disclosedCoin98 Fusion Card1%
- Card spending fee
- RedotPay CardNot disclosedCoin98 Fusion CardNot disclosed
- ATM fee
- RedotPay Card2–3%Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Virtual card
- RedotPay Card10 USD one-time issuance fee; non-refundable after paymentCoin98 Fusion CardUSD 9 issuance/activation fee
- Physical card
- RedotPay Card100 USD one-time issuance fee; non-refundable after paymentCoin98 Fusion CardNot applicable while the physical card is under development
Plans
2 fields- Available plans
- RedotPay Card2 plans: Regular, ProCoin98 Fusion CardNot disclosed
- Top cashback plan
- RedotPay CardPro: 3%Coin98 Fusion CardNot disclosed
Everyday use
8 fields- Network
- RedotPay CardVisaCoin98 Fusion CardVisa
- Card formats
- RedotPay CardVirtual, PhysicalCoin98 Fusion CardVirtual
- ATM withdrawals
- RedotPay CardAvailableCoin98 Fusion CardAvailable
- Mobile wallets
- RedotPay CardApple Pay, Google PayCoin98 Fusion CardApple Pay, Google Pay
- Apps
- RedotPay CardiOS, AndroidCoin98 Fusion CardiOS, Android
- Daily spending limit
- RedotPay CardNot disclosedCoin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limit
- Monthly spending limit
- RedotPay CardNot disclosedCoin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limit
- ATM limit
- RedotPay CardNot disclosedCoin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclear
Funding & transfers
5 fields- Networks
- RedotPay CardTRC20, ERC20, BEP20Coin98 Fusion CardEthereum, Solana, Polygon, Base, Tron
- Crypto deposits
- RedotPay CardStablecoins: USDT, USDC; Other crypto: BTC, ETH, SOL, XRP, BNB +3Coin98 Fusion CardStablecoins: USDC, USDT
- Fiat deposits
- RedotPay CardRedotPay account bank depositCoin98 Fusion CardNot disclosed
- Transfers
- RedotPay CardStablecoin transfers; RedotPay International TransferCoin98 Fusion CardNot disclosed
- Payout currencies
- RedotPay CardNot disclosedCoin98 Fusion CardNot disclosed
Rewards
3 fields- Base cashback
- RedotPay Card0%Coin98 Fusion Card0%
- Max cashback
- RedotPay Card3%Coin98 Fusion Card0%
- Reward currency
- RedotPay CardUSDs cashbackCoin98 Fusion CardNot applicable
Earn
5 fields- Advertised APY
- RedotPay CardUp to 1% APYCoin98 Fusion CardNot offered
- How it works
- RedotPay CardOptional earn vaultCoin98 Fusion CardNot offered
- Separate deposit
- RedotPay CardYesCoin98 Fusion CardNot offered
- Use balance for spending
- RedotPay CardNot disclosedCoin98 Fusion CardNot offered
- Lock-up
- RedotPay CardNot disclosedCoin98 Fusion CardNot offered
Trust & availability
5 fields- Custody
- RedotPay CardCustodialCoin98 Fusion CardHybrid custody
- Control until payment
- RedotPay CardProvider controls fundsCoin98 Fusion CardProvider controls funds
- Card issuer
- RedotPay CardXfers Pte. Ltd.Coin98 Fusion CardDCS Card Centre Pte. Ltd.
- Card processing
- RedotPay CardRedotPayCoin98 Fusion CardNot disclosed
- Programme operator
- RedotPay CardRed F. Technology LimitedCoin98 Fusion CardNot disclosed
Sources
2 fields- Official sources
- RedotPay Card28Coin98 Fusion Card23
- Last reviewed
- RedotPay CardAug 25, 2026Coin98 Fusion CardAug 5, 2026
04 · The trade-off
RedotPay Card is the stronger all-round choice
RedotPay Card finishes ahead with an Overall Score of 69 versus 60 for Coin98 Fusion Card. Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs 1.2–2%). Both cards show the same base cashback rate of 0%.
Coin98 Fusion Card still comes out ahead for Funds control and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. RedotPay 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.
RedotPay Card lists more stablecoins and ways to send money out (4 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 RedotPay Card and Coin98 Fusion Card reviews first.
Continue with
RedotPay Card
Continue with
Coin98 Fusion Card
05 · Common questions
RedotPay vs Coin98 Fusion FAQ
Is RedotPay or Coin98 Fusion better overall?
RedotPay Card has the higher Overall Score (69 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, RedotPay or Coin98 Fusion?
Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs 1.2–2%). 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 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 RedotPay and Coin98 Fusion differ on custody?
RedotPay 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 RedotPay vs Coin98 Fusion comparison?
The latest information check for these two cards was August 25, 2026, using 51 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.