Coin98 Fusion Card Review 2026

Cards have been shipping since December 2025, which settles the availability question our earlier note left open. Coin98's February 2026 referral copy talks to people who already hold one, telling them they cannot open a second, and the docs carry a forward-dated migration notice. This is a live product, not an announcement. It's a Visa card built into the Coin98 Super Wallet, so you sign up, top up, and spend inside the app, with DeCard, a brand of the Singapore-regulated issuer DCS, doing the issuing. Asia-Pacific first. Issuance is $9, there is no annual fee, and top-up costs 1% across five stablecoin chains. Foreign currency runs 1.7%, and SGD transactions processed overseas take a second 1.7% cross-border fee, so both can land on the same purchase. Rewards are campaign only: sign-up bonus, referrals, cashback tiers for heavy spenders, but no standing baseline rate has ever shipped. One date worth diarising: the programme moves from the Visa SGD to the Visa USD rail after 12 August 2026, which changes your billing currency and therefore which purchases attract that 1.7%. DCS also reserves an inactivity fee after 90 days and an early-termination fee inside 180 days without publishing either amount. Best fit: Coin98 users in Asia-Pacific who want to spend stablecoins at Visa merchants. Wrong card if you want dependable baseline cashback, a physical card today, or a fee sheet with no reserved blanks in it.