COMPANY detail

DECARD card

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CARD FEATURE OVERVIEW.

DECARD CARD - DECARD - SGDDECARD CARD - DECARD - USDDECARD CARD - LUMINARIES
TIERS
ADD TO WATCHLIST REMOVE FROM WATCHLIST
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
YES
NEED KYC
YES
FX FEE
UP TO 1.8%
APR / YIELD
YES
CARD TYPE
CREDIT CARD
CARD NETWORK
visa
BLOCKCHAIN
ethereumpolygonsolanabasetron
REGION
SINGAPORE
WALLET TYPE
HYBRID
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$10,000
DAILY LIMIT
DYNAMIC
GET THE CARD
GET IT NOW
W BONUS
NONE
REG FEE / REQ
$388/YEAR
CASHBACK
YES
NEED KYC
YES
FX FEE
UP TO 1.8%
APR / YIELD
YES
CARD TYPE
CREDIT CARD
CARD NETWORK
visa
BLOCKCHAIN
ethereumpolygonsolanabasetron
REGION
GLOBAL
WALLET TYPE
HYBRID
MOBILE PAY
YES
BANK TRANSFER
NO
ATM LIMIT
$10,000
DAILY LIMIT
DYNAMIC
GET THE CARD
GET IT NOW
W BONUS
NONE
REG FEE / REQ
$388/YEAR
CASHBACK
YES
NEED KYC
YES
FX FEE
0%
APR / YIELD
YES
CARD TYPE
CREDIT CARD
CARD NETWORK
visa
BLOCKCHAIN
ethereumpolygonsolanabasetron
REGION
SINGAPOREAPAC
WALLET TYPE
HYBRID
MOBILE PAY
YES
BANK TRANSFER
NO
ATM LIMIT
$10,000
DAILY LIMIT
DYNAMIC
GET THE CARD
GET IT NOW
DECARD - SGD
W BONUS NONE
REG FEE / REQ FREE
CASHBACK YES
NEED KYC YES
FX FEE UP TO 1.8%
APR / YIELD YES
CARD TYPE CREDIT CARD
CARD NETWORK visa
BLOCKCHAIN ethereumpolygonsolanabasetron
REGION SINGAPORE
WALLET TYPE HYBRID
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT $10,000
DAILY LIMIT DYNAMIC
GET IT NOW
DECARD - USD
W BONUS NONE
REG FEE / REQ $388/YEAR
CASHBACK YES
NEED KYC YES
FX FEE UP TO 1.8%
APR / YIELD YES
CARD TYPE CREDIT CARD
CARD NETWORK visa
BLOCKCHAIN ethereumpolygonsolanabasetron
REGION GLOBAL
WALLET TYPE HYBRID
MOBILE PAY YES
BANK TRANSFER NO
ATM LIMIT $10,000
DAILY LIMIT DYNAMIC
GET IT NOW
LUMINARIES
W BONUS NONE
REG FEE / REQ $388/YEAR
CASHBACK YES
NEED KYC YES
FX FEE 0%
APR / YIELD YES
CARD TYPE CREDIT CARD
CARD NETWORK visa
BLOCKCHAIN ethereumpolygonsolanabasetron
REGION SINGAPOREAPAC
WALLET TYPE HYBRID
MOBILE PAY YES
BANK TRANSFER NO
ATM LIMIT $10,000
DAILY LIMIT DYNAMIC
GET IT NOW
Last Updated: Sep 28, 2026
CASHBACK
Cashback may change, be available for a limited time, have limits, or even be awarded in points or other forms. For precise details, always check the card’s website.
REGIONAL AVAILABILITY
CLICK TO VIEW MAP
Available
Restricted
Not Specified

Cashback / rewards

  • Regular DeCard:

1 DePoint for every US$1 spent. DePoints can be redeemed for cash credits, travel, dining, vouchers and other rewards.

  • Luminaries:

First US$2,000/month: 2% cashback

Next US$3,000: 3%

Above US$5,000: 10%

Maximum cashback: US$200/month

Plus 1 DePoint per US$1 spent.

  • Physical card issuance: DeCard SGD S$10 · DeCard USD US$10 · DeCard Luminaries US$100; delivery fees may apply separately.

THE REAL STORY ON THIS CARD.

PROS
[ STRENGTHS ]
  • thumbs-up-fill Visa credit card
  • thumbs-up-fill Stablecoin spending with USDC and USDT
  • thumbs-up-fill Multi-chain funding
  • thumbs-up-fill Ethereum, Polygon, Solana, Base and Tron support
  • thumbs-up-fill No annual fee for regular DeCard
  • thumbs-up-fill 0% digital-asset conversion markup
  • thumbs-up-fill 1 DePoint per US$1 spent
  • thumbs-up-fill Google Pay support
  • thumbs-up-fill Worldwide Visa acceptance
  • thumbs-up-fill ATM withdrawals supported
  • thumbs-up-fill Luminaries offers up to 10% cashback
  • thumbs-up-fill Luminaries includes DragonPass lounge access
  • thumbs-up-fill Up to US$1M travel insurance on Luminaries
CONS
[ LIMITATIONS ]
  • thumbs-down-fill 28% APR can apply to carried balances
  • thumbs-down-fill Regular DeCard has 1.8% FX fee
  • thumbs-down-fill Luminaries costs US$388/year
  • thumbs-down-fill Physical card costs extra
  • thumbs-down-fill Regular DeCard has S$5/US$5 inactivity fee after 90 days
  • thumbs-down-fill ATM fee is 1% or $5 minimum
  • thumbs-down-fill Cashback is primarily a Luminaries benefit; regular DeCard earns DePoints instead
  • thumbs-down-fill Luminaries requires eligibility review
  • thumbs-down-fill Exact complete card-country whitelist is not publicly presented as a simple country list

GENERAL QUESTIONS.

The DeCard Standard is free to issue (S$0/US$0). Physical card delivery costs S$10/US$10. DeCard Luminaries costs US$388/year with US$100 physical card issuance (precision-engineered 22g metal alloy).

Yes. ATM withdrawals incur 1% fee (minimum $5) plus ATM operator fees. Limits: $3,000 per transaction, $10,000 daily, $100,000 monthly. Maximum 20 withdrawals per day, 30 per month.

DeCard is currently available to individuals residing in Singapore, Australia, Japan, South Korea, Malaysia, the Philippines, Taiwan, Thailand, and Vietnam.

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DECARD CARD
FEATURE DECARD - SGD DECARD - USD LUMINARIES
W BONUS NONE NONE NONE
REG FEE / REQ FREE $388/YEAR $388/YEAR
CASHBACK YES YES YES
NEED KYC YES YES YES
FX FEE UP TO 1.8% UP TO 1.8% 0%
APR / YIELD YES YES YES
CARD TYPE CREDIT CARD CREDIT CARD CREDIT CARD
CARD NETWORK visa visa visa
BLOCKCHAIN ethereumpolygonsolanabasetron ethereumpolygonsolanabasetron ethereumpolygonsolanabasetron
REGION SINGAPORE GLOBAL SINGAPOREAPAC
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