Coin98 Fusion Card Review 2026

Name: Coin98 Fusion Card
Brand: Visa
Price: 9 USD
Availability: InStock

Reviewed by Mihail B. in October 2026 · Data verified October 13, 2026 · how we verify

2.9 / 5.0Sweepbase rating

Algorithmic score, not user reviews: how it is calculated

Get Coin98 Fusion Card

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CustodyCustodial

NetworkVisa Prepaid

CashbackCampaign-based only

RegionsAsia

Fees and limits

Issuance fee	$9 one-time (payable in USDT, USDC, C98 or VIC; periodically waived in promos)
Annual fee	Free
FX fee	1.7% conversion commission on transactions not in the card's billing currency, which is USD since the move to the Visa… The fine print … USD programme after 12 August 2026 USD purchases no longer pay it and SGD purchases now do
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)

Fees change; the current ones are in Coin98 Fusion’s terms.

Features

Cashback: No standing rate: campaign-based rewards only (permanent cashback marked "coming soon")
Custody: Custodial: the card balance sits with DCS, separate from the Coin98 wallet and tied to your phone number
KYC: Yes
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)

Who issues the Coin98 Fusion Card

The Coin98 Fusion Card is issued by DCS Card Centre Pte. Ltd., Singapore (MAS, ex-Diners Club). The issuer is named in the source linked below. "Issued in partnership with DCS Card Centre Pte. Ltd, a trusted financial institution with decades of card issuance expertise", under the DeCard brand.

Primary source · All cards issued by DCS Card Centre Pte. Ltd. · Why the issuer matters

Supported cryptocurrencies

You can load the Coin98 Fusion Card with crypto; the 5 assets we track for it are listed below.

Networks & deposit details: Yes: USDT (Ethereum, Solana, Polygon, Tron) and USDC (Ethereum, Solana, Polygon, Base) from the Coin98 Super Wallet, 1% fee

ETHEthereumSOLSolanaMATICPolygonTRXTRONUSDCUSD Coin

Pros and cons

Pros

✓
No annual fee
The fine print
- 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
Multi-chain top-up across 5+ networks

Cons

✗
APAC-only
The fine print
- 1% fee on every top-up
- No standing cashback
- 1.7% on any purchase not in USD, including SGD
- Card balance is custodial despite the self-custody wallet branding
- Top-up works only from inside the Coin98 Super Wallet
- DCS reserves an inactivity fee after 90 days without publishing the amount
- No physical card yet
Card issuance fee: $9 one-time

Regional availability

Available in Asia

The Coin98 Fusion Card is available in Asia: APAC region (launched November 2025).

Card overview

Coin98 launched the card in the Asia-Pacific region in November 2025, and it 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. The wallet is self-custody, but the card balance is not: once funds reach the card they sit with DCS, tied to your phone number. Asia-Pacific residents only.

Issuance is $9, there is no annual fee, and top-up costs 1% across five stablecoin chains, from inside the Super Wallet only. Rewards are campaign only: sign-up bonus, referrals, cashback tiers for heavy spenders, but no standing baseline rate has ever shipped. After 12 August 2026 the programme moved from the Visa SGD to the Visa USD rail, so the card now bills in USD: USD purchases no longer pay the 1.7% conversion commission, and every other currency, SGD included, does. DCS also reserves an inactivity fee after 90 days without publishing the 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

Editor’s note by Mihail B. · Founder & Editor

Reviewed October 2026 Verified against issuer docs

Coin98 pairs a self-custody wallet with a decidedly custodial card: the moment funds hit the Fusion Card they sit with DCS Card Centre in Singapore, and DCS, not Coin98, handles every card action. That is actually the reassuring part, since DCS is a disclosed, established issuer. The costs to watch are the drips rather than the headline: 1% on every single top-up, 1.7% on any purchase not billed in the card's currency, and rewards that exist only as time-limited campaigns. Do not confuse this with Coin98's Zen Card, which is a hardware wallet, not a payment card.
The programme moved from the Visa SGD rail to the Visa USD rail after 12 August 2026, so the card now bills in US dollars: USD purchases escape the 1.7%, and Singapore-dollar purchases pay it.

Common questions about the Coin98 Fusion Card

We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.

What are the fees for the Coin98 Fusion Card?

The Coin98 Fusion Card has two charges. Issuance fee: $9 one-time. FX fee: 1.7% conversion commission on transactions not in the card's billing currency. No annual fee.

Is the Coin98 Fusion Card legit, and who is behind it?

The issuer of record for the Coin98 Fusion Card is DCS Card Centre Pte. Ltd., Singapore (MAS, ex-Diners Club), named in an announcement at blog.coin98.com. "Issued in partnership with DCS Card Centre Pte. Ltd, a trusted financial institution with decades of card issuance expertise", under the DeCard brand.

Is the Coin98 Fusion Card worth it?

Best fit for the Coin98 Fusion Card: 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. Spending in another currency costs 1.7%.

Where is the Coin98 Fusion Card available?

Coin98 Fusion Card: APAC region residents only.

What cryptocurrencies does the Coin98 Fusion Card support?

You can fund the Coin98 Fusion Card with: From Coin98 Super Wallet only: USDT on Ethereum, Solana, Polygon, Tron; USDC on Ethereum, Solana, Polygon, Base; 1% top-up fee.

What are the Coin98 Fusion Card's ATM and spending limits?

ATM: Supported ATMs: 1% or SGD 5 minimum; SGD 10,000/day, SGD 100,000/month. Daily spending: SGD 200,000 rolling 12-month spending limit (higher on request).