Coin98 Fusion Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
Get Coin98 Fusion CardCard Overview
Coin98 Fusion Card is a virtual Visa embedded in the Coin98 Super Wallet for APAC users, issued with DCS Card Centre — the Singapore licensed issuer behind the DeCard programme. Top up with USDT or USDC on five chains, spend with Apple Pay or Google Pay, and enjoy limits up to SGD 200,000 a year with no annual fee. A $9 one-time activation is the only fixed cost.
This is a Visa crypto card.
Fees & Limits
| Issuance Fee | $9 one-time (payable in USDT, USDC, C98 or VIC; periodically waived in promos) |
|---|---|
| Annual Fee | Free |
| FX Fee | Not disclosed |
| ATM Limit | Supported ATMs: 1% or SGD 5 minimum; SGD 10,000/day, SGD 100,000/month |
| Spending Limit | SGD 200,000 rolling 12-month spending limit (higher on request) |
These figures can change. Confirm the current fees, FX and network in Coin98 Fusion’s official terms before you apply.
Features
- Card Type: Virtual only
- Top up with: From Coin98 Super Wallet only: USDT on Ethereum, Solana, Polygon, Tron; USDC on Ethereum, Solana, Polygon, Base; 1% top-up fee
- Available Countries: APAC region (launched November 2025)
Supported Cryptocurrencies
You can load the Coin98 Fusion Card with crypto; the 5 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Yes — USDT (Ethereum, Solana, Polygon, Tron) and USDC (Ethereum, Solana, Polygon, Base) from the Coin98 Super Wallet, 1% fee
Who Is the Coin98 Fusion Card Best For?
The Coin98 Fusion Card is a good fit for crypto holders who want a simple way to spend their coins without managing wallets by hand.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in APAC region residents only, so it works for residents and travellers in those areas.
Best for
- People who want a straightforward, app-managed crypto card
Avoid if
- You want a card that earns cashback
- You need full non-custodial control of your funds
- You need traditional bank integration (IBAN, SEPA, direct debits)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Coin98 Fusion Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- No annual fee; Apple/Google Pay; stablecoin top-up on 5 chains straight from the Coin98 wallet; high limits (SGD 200k/year); established Singapore issuer disclosed (DCS Card Centre, "DeCard" programme); small negative-balance tolerance for transit fares
- Works wherever Visa is accepted worldwide
- Virtual card ready right away, no shipping wait
- Multi-chain top-up across 5+ networks
Cons
- APAC-only; 1% fee on every top-up; no standing cashback; FX fee unpublished; card balance is custodial despite the self-custody wallet branding; top-up works only from inside the Coin98 Super Wallet
- Card issuance fee: $9 one-time (payable in USDT, USDC, C98 or VIC; periodically waived in promos)
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the Coin98 Fusion Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Coin98 Fusion account
A few minutesGo to the Coin98 Fusion website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerCoin98 Fusion runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with From Coin98 Super Wallet only: USDT on Ethereum, Solana, Polygon, Tron; USDC on Ethereum, Solana, Polygon, Base; 1% top-up fee through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Coin98 Fusion Card shows up in the Coin98 Fusion app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available in APAC region residents only
The Coin98 Fusion Card is currently available in APAC region residents only. Some countries may be excluded, so confirm on the issuer's website before applying.
Common questions about the Coin98 Fusion Card
What are the fees for the Coin98 Fusion Card?
Where is the Coin98 Fusion Card available?
What cryptocurrencies does the Coin98 Fusion Card support?
What are the Coin98 Fusion Card's ATM and spending limits?
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