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Crypto.com Visa Card review

Crypto.com
PhysicalVisa
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Crypto.com Visa Card was one of the first crypto cards issued at scale. It comes in tiers — Midnight, Ruby, Jade/Indigo, Icy/Rose, Obsidian — and higher tiers waive more FX and get larger free ATM allowances. Its help center publishes fees and limits separately per residence region: US, UK, Europe, Singapore residents, Singapore non-residents, Canada, Australia/NZ, Brazil/LatAm and Bahrain/GCC each have their own article.

Pros

  • Fees and limits published per region with clear update dates
  • Higher tiers waive FX and get larger free ATM allowances
  • Wide Visa acceptance

Cons

  • Fees and eligibility vary a lot by residence
  • Inactivity fee after a year of no use
  • Higher tiers need staking or a subscription
  • Pages read don't state document requirements
—Issuance
—Total cost
0.5%FX fee
—Daily limit
Verdict: Established and well documented, but the rules are split into a dozen regional versions — find your own region's page first.

Card overview

Fees

FX fee
0.5%
ATM
2% above the monthly free ATM allowance

Limits

Bulk issuing
Not supported

Card info

Network
Visa
Website
crypto.com

Funding

Assets
Crypto (in-app transfer), Debit/credit card
Arrival
In-app crypto-to-card transfer

Amounts in SGD, not converted: Midnight physical card S$4.99, replacement S$45.01, account closure S$50; debit-card top-up 0%, credit card 1%, Apple Pay 2%; Midnight pays 0.5% FX on all purchases and ATM, other tiers free; S$5/month after 12 months of inactivity (S$6 from 2026-09-01); the European schedule is on a separate page

Singapore non-resident Midnight: S$10,000 daily/monthly spending; Indigo/Jade and above S$25,000; max card balance S$10,000–25,000

Data basis: Singapore (non-Singapore residential address) Midnight tier; amounts in SGD

KYC requirements

Fees are published separately per residence region (US, UK, Europe, Singapore, Canada, Australia, Brazil, etc.); the pages read state neither document types nor a mainland China policy

help.crypto.com · 2026-11-10

This page uses the "Singapore (non-Singapore residential address)" article as its basis, with amounts in SGD, not converted to USD: the Midnight physical card is S$4.99, Midnight pays 0.5% FX on all purchases and ATM withdrawals, ATM withdrawals above the monthly free allowance cost 2%, and an inactivity fee applies after 12 months without activity. Before using it, check the Fees & Limits section in the app for the version that applies to your own region and tier.

Who it suits

Suits: Individuals in supported regions who already use the Crypto.com app

Not for: Ad teams; anyone who doesn't want to deal with region-specific rules

Checklist before you apply

  1. Check your residence: Confirm in writing with support that your residence is supported.
  2. Prepare documents: ask first whether your document type is accepted.
  3. Check the live fee preview in the app before opening.
  4. Use the right network: it must match the deposit page when withdrawing from an exchange.
  5. Start small: top up only enough for one purchase first, and confirm arrival, charges and refunds work before adding more.

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Head-to-head: Bybit Card vs Crypto.com Visa Card.

FAQ

Can mainland China residents apply for Crypto.com Visa Card?

Fees are published separately per residence region (US, UK, Europe, Singapore, Canada, Australia, Brazil, etc.); the pages read state neither document types nor a mainland China policy Confirm with official support before applying.

How much does it cost to open a Crypto.com Visa Card card?

Virtual card issuance —, physical card —, monthly fee —.

Can Crypto.com Visa Card be used for Meta / Google / TikTok ads?

The issuer makes no specific statement on ad platforms; prefer a card that officially supports ad payments.

How much can I actually spend from 1,000 USDT on Crypto.com Visa Card?

Fees are published in SGD; check Fees & Limits in the app for your region.

How can I top up Crypto.com Visa Card?

assets: Crypto (in-app transfer), Debit/credit card.

Affiliate linkOpen a Crypto.com Visa Card card

Checked 2026-11-10 · help.crypto.com

A U-card is only for passing payments through: top up only what you will spend, and never keep a large balance on the card.