TANGEM PAY CARD Self-custody. Instant spending.
CARD FEATURE OVERVIEW.
| W BONUS | UP TO $25 |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | UP TO $100 |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | $10,000 |
| W BONUS | UP TO $50 |
|---|---|
| REG FEE / REQ | $29/MO |
| CASHBACK | UP TO $500 |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | $50,000 |
| W BONUS | UP TO $75 |
|---|---|
| REG FEE / REQ | $83/MO |
| CASHBACK | UP TO $1,000 |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | $100,000 |
- You must buy a Tangem Wallet first (~$54.90). Tangem Pay is not a standalone card, it's locked inside the Tangem ecosystem.
- Foreign exchange markups apply for non-USD purchases, and Polygon network gas fees apply when topping up.
When ATM withdrawals eventually launch, Basic users pay 4%, Plus pays 2%, Prestige pays 1%. A $500 ATM withdrawal on Basic costs you $20 in fees. Plus the Visa FX spread on top.
cashback details:
Basic (active): 1% cashback + boosted 5% on first $500/month, capped at $100/mo. Plus (coming soon): 2% base (10% first $500), capped at $500/mo. Prestige (coming soon): 4% base (15% first $500), capped at $1,000/mo. Welcome bonuses of $25/$50/$75 also coming soon.
Premium perks:
- Airport lounge access:
Plus ($29/mo, coming soon): Free airport lounge entry, 2 free airport lounge visits-year
Prestige ($999/yr, coming soon): Free airport lounge entry, 8 free airport lounge visits-year
THE REAL STORY ON THIS CARD.
- Non-custodial
- Zero Tangem fees on Basic tier (no monthly, issuance, or transaction fees)
- Apple Pay and Google Pay supported
- Instant virtual card activation after KYC
- Withdraw unused USDC back to wallet anytime
- Tangem EAL6+ hardware wallet security
- Physical cards on roadmap (plastic + metal)
- Premium perks for paid tiers
- Multiple cards per user (3–10 across tiers)
- Welcome bonuses up to $75 coming soon
- Requires Tangem Wallet hardware (~$54.90) — not standalone
- USDC on Polygon only, no other tokens/chains
- Plus and Prestige tiers not yet live
- ATM withdrawals currently restricted
- Physical cards not yet available
- Not available in all US states
- Premium perks (lounge, insurance) locked behind paid tiers
GENERAL QUESTIONS.
Tangem Pay is a non-custodial payment account built into the Tangem Wallet app. It lets you spend assets directly using a virtual Visa card, online or in-store with Apple Pay or Google Pay. No need to move funds to a third-party exchange — just spend from your wallet.
1) A Tangem Wallet
2) A valid government-issued ID to complete KYC
3) A home address in one of the supported countries
Once you complete verification, your card is issued in most cases within 5 minutes. In rare cases it can take up to 48 hours.
To start spending after your card is activated, you will need to fund your account with USDC on the Polygon network. You can send USDC directly or use the built-in swap feature in the app.
There are no monthly fees or transaction fees. Foreign exchange markups apply for non-USD purchases, and Polygon network gas fees apply when topping up (these are network fees, not charged by Paera).
To fund your account, tap ‘Add funds’ in the app and send USDC on Polygon from your Tangem Wallet or any external wallet. You do not need POL tokens to make card payments; POL is only required when sending USDC to your Tangem Pay account during a top-up.
Tangem Pay is provided by Paera LLC, a U.S.-based company.
The card is issued by Rain a Visa Principal Member, and supported by Sumsub (ID verification), Elliptic (transaction monitoring). Tangem AG does not operate the Tangem Pay program. Full legal agreements and regulatory notices: paera.com/tangempay
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