Decard Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Virtual free; physical S$10 or US$10 on the standard card, US$100 on Luminaries; delivery charged separately |
|---|---|
| Annual fee | Standard Free; Luminaries $388 |
| FX fee | Standard DeCard 1.8% on transactions not in the card's billing currency (SGD or USD card)The fine print
|
| ATM limit | Fee 1% or $5, whichever is greaterThe fine print
|
| Spending limit | Credit limit set by DCS at approval; raised by transferring funds to the card |
Fees change; the current ones are in Decard’s terms.
Features
- Cashback: Up to 10% (Luminaries)
The fine print
- Standard DeCard: no cashback, 1 DePoint per US$1 spent
- DeCard Luminaries: 2% on the first US$2,000 a month, 3% on the next US$3,000, 10% above US$5,000, capped at US$200 a month, plus 1 DePoint per US$1 (both since 13 July 2026)
- Scan-and-Pay excluded
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: USDT and USDC, converted to SGD by Fireblocks on arrival; funding fee 0%
- Available countries: Singapore, Australia, Japan, South Korea, Malaysia, Philippines, Taiwan, Thailand, Vietnam
Who issues the Decard Card
Decard Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be DCS Card Centre Pte. Ltd., Singapore (MAS, ex-Diners Club), inferred from the program manager and not stated by the issuer itself.
All cards issued by DCS Card Centre Pte. Ltd. · Why the issuer matters
Supported cryptocurrencies
You can load the Decard Card with crypto; the asset we track for it is listed below.
Pros and cons
Pros
- No annual fee on the standard card
The fine print
- USDT and USDC top-ups on seven networks with no funding fee
- Luminaries has 0% FX, tiered cashback, lounge visits and travel insurance
- Apple Pay and Google Pay
- USD-billed card option
- No card issuance fee
Cons
- Standard card charges 1.8% FX and pays no cashback
The fine print
- Luminaries costs US$388 a year plus US$100 for the metal card and is limited to C-suite executives and key opinion leaders
- 28% annual interest on balances not paid in full
- S$5 or US$5 monthly fee after 90 days without a transaction
- ATM fee 1% with a $5 minimum
Regional availability
Available in Asia + Australia
Nine Asia-Pacific markets: Singapore, Australia, Japan, South Korea, Malaysia, Philippines, Taiwan, Thailand, Vietnam.
Banking and fiat rails
Card overview
DCS, the company that used to be Diners Club Singapore, issues DeCard as a Visa credit card you repay or prepay with USDT or USDC. Top-ups on seven networks convert to Singapore dollars on arrival with no funding fee, and the card comes with a USD bank account in Singapore. It is open to residents of nine Asia-Pacific markets: Singapore, Australia, Japan, South Korea, Malaysia, the Philippines, Taiwan, Thailand and Vietnam. The standard card has no annual fee, but it charges 1.8% on foreign-currency spending and pays no cashback, only one DePoint per US dollar.
The numbers in the marketing belong to DeCard Luminaries. Since 13 July 2026 it has 0% FX and pays 2% on the first US$2,000 a month, 3% on the next US$3,000 and 10% above that, capped at US$200 a month. It costs US$388 a year plus US$100 for the metal card, and DCS limits it to C-suite executives and key opinion leaders. This is real credit, so an unpaid balance carries 28% annual interest, and a card left unused for 90 days costs S$5 or US$5 a month.
ATM cash costs 1% with a $5 minimum. Apple Pay and Google Pay work. Singapore citizens and permanent residents verify with Singpass; everyone else needs a passport and proof of address. For a stablecoin holder in those nine markets the standard card is a cheap way to spend at home, while abroad the 1.8% and the missing cashback make it ordinary.
Common questions about the Decard 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.
