DeCard (Standard) / DeCard Luminaries
No annual fee for the standard card
Annual fee
Free virtual card
Issuance fee
Identity document
KYC
Benefits
- You can directly use USDT/USDC for spending, and there is a 0 markup for crypto asset exchange.
- Standard card has no annual fee, virtual card is free
- Luminaries 0% foreign exchange fee for overseas spending starting from 2026-07-13, including airport VIP rooms and 24/7 concierge
- Card issued in Singapore, accepted globally by Visa
Supported services
△Apple Pay
△Google Pay
△WeChat Pay
△Alipay
△ChatGPT
△Claude
Things to know
- Standard card foreign currency transactions charge 1.8% handling fee
- ATM cash withdrawal 1% per transaction or US$5, whichever is higher
- If not used for 90 consecutive days after approval, an inactivity fee of S$5/US$5 will be charged
- Luminaries need to be invited or applied for review (founders/executives, KOL, high-spending users, etc.)
Fees & specifications
CashbackThe standard card cashback rules are not disclosed; Luminaries will be Cashback + DePoints dual rewards starting from 2026-07-13, with the highest level of 10% (monthly upper limit is about US$200, the source is search summary, subject to official approval)
Foreign exchange feesStandard card 1.8%; Luminaries 0% (from 2026-07-13)
Staking requirementsNone
ATM withdrawals1% or US$5, whichever is higher, plus ATM operator fee
Card formatVirtual card + physical card; Luminaries are metal cards
Settlement assetsUSDT / USDC (card currency is SGD or USD)
Sources & notes
Data credibility: medium; verification date 2026-10-09.