Decard Card Review 2026
Last updated: by the
Last updated: by the
Decard revolutionizes stablecoin payments with seamless Visa acceptance at 150+ million merchants worldwide, powered by Polygon blockchain for instant settlement. Choose the free Standard card for everyday spending or upgrade to the exclusive 22-gram Luminaries metal card—the heaviest in IDEMIA's portfolio—with laser-engraved personalization and premium benefits. Perfect for stablecoin holders who want zero conversion hassle, exceptionally low FX rates, and the D-Vault digital account for streamlined payment tracking and reconciliation.
This is a Visa crypto card. It offers cashback rewards.
| Issuance Fee | Standard Free; Luminaries $388/year |
|---|---|
| Annual Fee | Standard Free; Luminaries $388 |
| FX Fee | Exceptionally low FX rates advertised |
| ATM Limit | Available with physical card, fees apply |
| Spending Limit | Based on tier and verification |
The Decard Card allows you to top up and spend using 2 supported digital assets. Your crypto is automatically converted to local fiat at the point of sale.
The Decard Card is best suited for everyday crypto holders looking for a simple, convenient way to spend digital assets without managing wallets manually.
With Available (details vary by tier) cashback on eligible purchases, the Decard Card rewards active spenders who use the card as their daily driver.
The card is currently available in APAC launch first, expanding globally — ideal for residents and frequent travellers in those areas.
Compare the Decard Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Getting started with the Decard Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Visit the official Decard website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.
Submit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Decard processes applications in line with AML and KYC regulations.
Once verified, top up your card balance using USDC, USDT and stablecoins via Polygon blockchain via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Your virtual Decard Card is available immediately in the Decard app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.
Available Worldwide
The Decard Card is available to users in the majority of countries worldwide. Minor exceptions may apply due to local financial regulations. Always confirm current availability on the Decard website before applying.
Available in major markets including:
