PIONEX Card Spend Crypto Like Cash
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 1% |
| NEED KYC | YES |
| FX FEE | UP TO 1% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $0 |
| DAILY LIMIT | $10,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 1% |
| NEED KYC | YES |
| FX FEE | UP TO 2% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $0 |
| DAILY LIMIT | $20,000 |
TOS lets Pionex freeze, suspend, or terminate your account at its sole discretion for suspected prohibited activity.
Dispute fees are brutal: 50 USDT non-refundable appeal + 600 USDT at risk if Visa arbitration lost.
THE REAL STORY ON THIS CARD.
- 1% USDT cashback with no cap, no tier requirements, no expiry
- 5% APR on idle USDT card balance
- No annual fee, no issuance fee, no staking, no token lock-up
- Visa card: 1% FX effectively neutralized by 1% cashback
- Apple Pay, Google Pay, Alipay, WeChat Pay, PayPal, LINE Pay
- Real USDT cashback, not points, not vouchers, not native tokens
- Custodial wallet
- USDT only for card funding
- Mastercard has 2% FX fee
- No IBAN or bank transfer support
- No physical card issued yet (Aug 2026)
- Virtual card does not support ATM cash withdrawal
- 50 USDT non-refundable dispute appeal fee
- Card account separate from exchange account
GENERAL QUESTIONS.
Currently, Pionex only provides a virtual crypto card. According to the official documentation, physical cards are not available yet. The virtual card can be used for online payments and added to supported digital wallets where applicable.
The Pionex Card only supports USDT for funding.
You must transfer USDT from your Pionex account to the card balance.
The official documentation does not specify multiple blockchains for direct external top-ups; funding is handled internally within the Pionex platform.
No. The Pionex Card does not offer an IBAN or personal bank account number.
It is a custodial crypto debit card, designed for spending crypto (USDT) via Visa or Mastercard rails, not for receiving bank transfers like a traditional neobank account.
Each user can only have one Pionex Card.
