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COMPANY detail
TANGEM PAY CARD
Self-custody. Instant spending.
CARD FEATURE OVERVIEW.
TIERS
ADD TO WATCHLIST
REMOVE FROM WATCHLIST
W BONUS
UP TO $25
REG FEE / REQ
FREE
CASHBACK
UP TO $100
NEED KYC
YES
FX FEE
1.5%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NON CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$750
DAILY LIMIT
$10,000
GET THE CARD
W BONUS
UP TO $50
REG FEE / REQ
$29/MO
CASHBACK
UP TO $300
NEED KYC
YES
FX FEE
1.5%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NON CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$750
DAILY LIMIT
$50,000
GET THE CARD
W BONUS
UP TO $75
REG FEE / REQ
$83/MO
CASHBACK
UP TO $1,000
NEED KYC
YES
FX FEE
1.5%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NON CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
NOT DISCLOSED
DAILY LIMIT
$100,000
GET THE CARD
BASIC
| W BONUS | UP TO $25 |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | UP TO $100 |
| NEED KYC | YES |
| FX FEE | 1.5% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $750 |
| DAILY LIMIT | $10,000 |
PLUS
| W BONUS | UP TO $50 |
|---|---|
| REG FEE / REQ | $29/MO |
| CASHBACK | UP TO $300 |
| NEED KYC | YES |
| FX FEE | 1.5% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $750 |
| DAILY LIMIT | $50,000 |
PRESTIGE
| W BONUS | UP TO $75 |
|---|---|
| REG FEE / REQ | $83/MO |
| CASHBACK | UP TO $1,000 |
| NEED KYC | YES |
| FX FEE | 1.5% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | $100,000 |
Last Updated: Sep 22, 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
- Network fees: Polygon gas fees apply when topping up; additional stablecoin/network top-up options are now supported
ATM fees: Basic 4% | Plus 2% | Prestige 1%
ATM limit: $250 per withdrawal, maximum 3 withdrawals per 24 hours
- Visa Tier: Basic — Platinum | Plus — Signature | Prestige — Infinite
Basic: 1% cashback, $100/month cap
Plus: 2% cashback, $300/month cap
Prestige: 4% cashback, $1,000/month cap — coming soon
Welcome cashback: 5% / 10% / 15% on first $500 — $25 / $50 / $75 respectively, coming soon
Plus: $29.99/month; 2 free airport lounge visits/year — coming soon
Prestige: $999/year; 8 free airport lounge visits/year — coming soon
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- 1%–4% cashback by tier
- 3-tier system: Basic, Plus, Prestige
- Non-custodial wallet
- Apple Pay & Google Pay
- High daily spending limits
- Premium Visa benefits
- Crypto-funded spending
- No traditional bank account required
CONS
[ LIMITATIONS ]
- No cashback on in-store purchases at EU & UK merchants
- Physical-card availability currently limited/in transition
- 1.5% FX fee on non-USD transactions
- ATM fees: 4% Basic, 2% Plus, 1% Prestige
- Plus: $29.99/month unless spending/yield requirements are met
- Prestige: $999/year and coming soon
- KYC required
- On-chain network/gas fees may apply
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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