Monetiro229 services on the ledger · last checked October 6, 2026
ENRU
$1.80/$100
Take it?CostsAsks forLimitsWhere it worksHow we checkedAlternatives
Ledger
DeCard

DeCard

VisaVirtual and plasticSince 2024
Asks for everythingOperational

Singapore Visa credit card by DCS × Standard Chartered, powered by Polygon — 150M+ merchants, fund with fiat OR USDC/USDT, $0.001 onchain fees, premium Luminaries tier with lifestyle perks.

Total, per $100 spent: $1.80per $100 spent

93 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.23.

Open thedecard.comNot a paid link: we earn nothing either way.

Whether to take DeCard

In its favour

  • Visa credit card by DCS — backed by Standard Chartered (Singapore)
  • 150M+ Visa merchants worldwide for stablecoin spending
  • Zero annual fees
  • Top-up via fiat OR crypto (USDC, USDT)

Against it

  • Singapore-issued — primary market is SEA
  • Specific top-up/FX/transaction fees not publicly listed
  • Full KYC required (regulated bank product)
  • US not supported

Also true, in its favour

  • Polygon network for ~$0.001 transaction fees
  • Premium Luminaries tier with lifestyle perks
  • Apple Pay & Google Pay
  • ATM cap: US$5 or 1% (whichever greater)

What DeCard costs

ChargeWhat it costs
To get the card
Monthly$0.00
To put money in
To load0%
To spend it
To spend0%
To spend outside the dollar1.8%
At a cash machineUS$5 or 1% (whichever greater)
Total, per $100 spent$1.80

Not published by the issuer: to issue the card, per payment, fixed.

Read off thedecard.com on July 21, 2026.

0 annual. Top-up via fiat or USDC/USDT (Polygon $0.001 onchain fees). ATM fee: 1% of withdrawal or US$5, whichever is greater. Apple Pay & Google Pay. Standard Chartered as principal banking partner. Premium Luminaries tier offers travel/lifestyle perks.

KYC: what DeCard asks for

Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.

Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards

Limits on spending

DeCard publishes no spending limits at all.

Where it works

WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsNone — it is a card, not an account
Coins in2USDC, USDT
Chains2Polygon, Ethereum
TiersStandard, Luminaries (Premium)

Closed to residents of 1 countries, according to the issuer's own terms.

  • United States

How we checked this

Thirteen fields are tracked for every service. 10 of them carry a figure we read off thedecard.com on July 21, 2026.

Issuer's page
Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Monthly · Cash machine charge · Apple Pay and Google Pay
Sign-up flow
Identity level
Live check
Operating status
Terms
Countries closed
The issuer does not publish
Issuance · Spending limits · Maximum balance

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Open thedecard.comNot a paid link: we earn nothing either way.

Alternatives to DeCard

Costs $0.20 more per $100 — the price of the difference.MEXC CardMEXC CardVisaVirtual and plasticAsks for everythingOperationalFree to load. 1% outside the dollar, plus $1.00 fixed.AG7 Sept$2.00per $100 spent
Takes $0.80 less on every $100 spent.Coin98 Fusion CardCoin98 Fusion CardVisaVirtual onlyAsks for everythingOperational1% when you load. 2 fee fields are not published.AG31 Jul$1.00per $100 spent
Costs $0.70 more per $100 — the price of the difference.KASTKASTVisaVirtual and plasticAsks for everythingOperationalFree to load. 2% outside the dollar, plus $0.50 fixed.AG21 Jul$2.50per $100 spent