TL;DR.DeCard is a Visa crypto debit card (Virtual + Physical, KYC: Full KYC). Cost per $100 spent: $0. Top-up fee 0%, FX fee 1.8%. Wallet support: Apple Pay + Google Pay. Status: Operational. Last verified: July 21, 2026.
CARD PROFILE · FULL KYC
DeCard.
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.
Cost / $100
$0.00
Top-up fee
Free
Network
Visa
Card type
Virtual + Physical
IBAN
No
Monthly limit
—
Status
Operational
Pros.
- +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)
- +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)
Cons.
- −Singapore-issued — primary market is SEA
- −Specific top-up/FX/transaction fees not publicly listed
- −Full KYC required (regulated bank product)
- −US not supported
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
Free
Transaction fee
0%
FX fee
1.8%
Issuance
—
Monthly
Free
Cost / $100
$0.00
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.
COVERAGE
Where it works.
Supported coins
USDCUSDT
Chains
PolygonEthereum
Use cases
Online · IRL · ATM
Blocked countries
US
WALLETS
Apple PayYes
Google PayYes
ATMYes
REPUTATION
Trustpilot
—/5
0 reviews
Monetiro score
—/100
Verified July 21, 2026
ALTERNATIVES