DECARD card Control Your Finances
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | UP TO 1.8% |
| APR / YIELD | YES |
| CARD TYPE | CREDIT CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $10,000 |
| DAILY LIMIT | NOT DISCLOSED |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $388/YEAR |
| CASHBACK | UP TO $200/MO |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | CREDIT CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $10,000 |
| DAILY LIMIT | NOT DISCLOSED |
Cashback (DeCard Luminaries): Dual rewards: 2% first $2K + 3% next $3K + 10% above $5K (capped $200/month) AND 1 DePoint per $1 spent.
Travel Perks (DeCard Luminaries): 2x complimentary airport lounge visits/year (Dragonpass, 1,400+ airports), travel insurance up to US$1,000,000, 24/7 Visa concierge, Umy Diamond Membership (5% off hotels globally).
Physical Card (DECARD): $10 - Physical Card Fee (LUMINARIES): US$100 (precision-engineered 22g metal alloy with laser engraving).
THE REAL STORY ON THIS CARD.
- Zero annual fee (Standard tier)
- 0% FX fee (Luminaries)
- 0% crypto conversion markup
- No minimum income requirement
- Apple Pay and Google Pay supported
- Dual rewards on Luminaries (cashback + DePoints simultaneously, up to 10%)
- Luminaries perks: US$1M travel insurance, 24/7 Visa concierge, metal card, lounge access
- Mobile app on iOS and Android
- Scan-and-Pay in 6 countries
- Custodial wallet (funds held by DCS)
- 28% APR on carried balance
- No IBAN/SWIFT
- Requires full KYC
- APAC-focused
- Luminaries costs US$388/year + US$100 physical card
- Scan-and-Pay transactions excluded from rewards
- Inactive account fee (S$5/US$5 after 90 days) on Standard tier
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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