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COMPANY detail
UPAY Card
Using Digital Assets Like Cash
CARD FEATURE OVERVIEW.
TIERS
ADD TO WATCHLIST
REMOVE FROM WATCHLIST
W BONUS
NONE
REG FEE / REQ
NOT DISCLOSED
CASHBACK
UP TO 3%
NEED KYC
YES
FX FEE
UP TO 2%
APR / YIELD
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
NO
ATM LIMIT
$2,000
DAILY LIMIT
NOT DISCLOSED
GET THE CARD
W BONUS
NONE
REG FEE / REQ
NOT DISCLOSED
CASHBACK
UP TO 3%
NEED KYC
YES
FX FEE
UP TO 2%
APR / YIELD
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
NO
ATM LIMIT
$2,000
DAILY LIMIT
NOT DISCLOSED
GET THE CARD
PREMIER
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | NOT DISCLOSED |
| CASHBACK | UP TO 3% |
| NEED KYC | YES |
| FX FEE | UP TO 2% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $2,000 |
| DAILY LIMIT | NOT DISCLOSED |
PLATINUM
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | NOT DISCLOSED |
| CASHBACK | UP TO 3% |
| NEED KYC | YES |
| FX FEE | UP TO 2% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $2,000 |
| DAILY LIMIT | NOT DISCLOSED |
Last Updated: Sep 5, 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
- Premier and Platinum cards have different official restricted-country lists.
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- Both virtual and physical cards across two tiers
- 150+ countries coverage
- Up to 3% cashback
- No annual fees
- Apple Pay and Google Pay supported
- 100+ cryptocurrencies supported
- Dubai-licensed and Hong Kong MSO-licensed
- Physical card supports ATM withdrawals
- 1% transaction fee, no annual fees, zero international fees
CONS
[ LIMITATIONS ]
- Custodial wallet
- IBAN/SWIFT status unknown
- Daily spending limits not published
- Premier tier blacklisted in many major markets
- APR/yield not disclosed
GENERAL QUESTIONS.
The UPay Card is a crypto‑enabled payment card that lets you spend your digital assets like Bitcoin, Ethereum, or USDT at merchants, online or offline, by converting crypto to traditional currency at the point of sale. You top up your UPay Wallet with crypto and use the card for everyday spending just like a normal debit/credit card.
To get a UPay Card, you first create an account on UPay, complete identity verification (KYC), then apply for a virtual or physical card through the app/website. After approval and funding your wallet with crypto, you can start using the card.
The UPay Card is designed to be accepted worldwide wherever major card networks are supported — online stores, physical merchants, and ATM cash withdrawals (for physical cards). It uses established payment rails so you can shop or withdraw cash across regions.
If you run into issues such as deposit delays, transaction failures, or KYC verification problems, UPay’s official Help Center has a dedicated FAQ section that covers wallet deposits, card setup, troubleshooting payments, and verification guidance.
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