DiCard Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
Get DiCardNot a partner link. We earn nothing from this card; it goes straight to the issuer.
Card Overview
DiCard is DigiFinex's virtual, USD-denominated Mastercard, funded with USDT swept from your DigiFinex spot balance, so custody stays with the exchange. It calls itself a credit card in the marketing, but it is prepaid: you spend what you load. The real catch is reload drag. The first five deposits cost 0.3%, then every top-up after that runs 1.3%, and funding is USDT-only with a 15 USDT floor, so a 100 USDT load credits 98.7 USD. Headline fees read cheap: $5 issuance, no annual fee, no conversion fee on USD-settled spend. The rest adds up. A fixed $0.25 per transaction on Lite or $0.50 on Premier hits every purchase, and any non-USD spend takes a 1.5% FX cut. Cashback is 1% in points, briefly bumped to 3% for a month, redeemable at 100 points to 1 USDT, and those points only offset future top-ups. You cannot withdraw or spend them. Limits are generous, up to $1M a year on Premier, and only Premier can push funds back to spot. KYC needs email, phone and ID. Three consecutive low-amount transactions lock the card. Supported regions are not disclosed. Apple Pay and Alipay work.
Best fit: existing DigiFinex users, mostly in Asia, who already hold USDT, spend in USD or online, and reload in large infrequent chunks to dilute the 1.3%. Wrong card if you spend heavily in non-USD currencies or make many small purchases.
DiCard is a virtual USD Mastercard from the DigiFinex exchange in Lite and Premier tiers, funded with USDT from your spot account. USD purchases convert at 0%, limits stretch to $25,000 per transaction on Premier, and the card binds to Apple Pay, Google Pay or Alipay. A $5 application fee and 1% capped rewards round out a straightforward exchange-card package.
This is a Mastercard crypto card. It offers cashback rewards.
Fees & Limits
| Issuance Fee | $5 per card (Lite and Premier) |
|---|---|
| Annual Fee | Free, but fixed per-transaction fee: $0.25 (Lite) / $0.50 (Premier) |
| FX Fee | 1.5% on non-USD; $0 conversion on USD transactions |
| ATM Limit | Not offered (virtual) |
| Spending Limit | Lite $20,000/day, $100,000/month; Premier $50,000/day, $400,000/month |
These figures can change. Confirm the current fees, FX and network in DiCard’s official terms before you apply.
Features
- Card Type: Virtual only
- Top up with: From DigiFinex spot account in USDT (1.3% fee; 0.3% first 5 deposits); 15-5,000 USDT per top-up
- Available Countries: Not disclosed
Who issues the DiCard
DiCard does not name its BIN sponsor in any public document we could reach. That is not unusual — around a quarter of the cards we track do the same. See our BIN-sponsor research for why disclosure varies and what it means for you.
Supported Cryptocurrencies
You can load the DiCard with crypto; the asset we track for it is listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: No direct card loading — deposit USDT to the DigiFinex spot account first
Who Is the DiCard Best For?
The DiCard is a good fit for holders who want their balance to keep earning while it sits on the card.
The DiCard pays 1% cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in Not disclosed, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn 1% cashback
- People who want a straightforward, app-managed crypto card
Avoid if
- 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 DiCard side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Pros & Cons
Pros
- No annual fee; instant virtual issuance; high limits (Premier up to $25k per transaction, $1M/year); Apple Pay/Google Pay/Alipay; 0% conversion on USD spend; Premier can withdraw funds back to the exchange
- Earn 1% cashback on eligible purchases
- Works wherever Mastercard is accepted worldwide
- Virtual card ready right away, no shipping wait
Cons
- Fixed $0.25-0.50 fee on literally every transaction; 1.3% top-up fee; cashback capped at a token $10/month; USDT-only via exchange custody; issuing bank undisclosed (terms are boilerplate with unfilled placeholders); Lite tier cannot withdraw funds back; three small consecutive transactions lock the card
- Card issuance fee: $5 per card (Lite and Premier)
- Annual fee: Free, but fixed per-transaction fee: $0.25 (Lite) / $0.50 (Premier)
- Custodial: the issuer holds your funds
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the DiCard
Here is what the sign-up process looks like, from application to first purchase.
Create a DiCard account
A few minutesGo to the DiCard website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerDiCard 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 DigiFinex spot account in USDT (1.3% fee; 0.3% first 5 deposits); 15-5,000 USDT per top-up through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual DiCard shows up in the DiCard 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 Not disclosed
The DiCard is currently available in Not disclosed. Some countries may be excluded, so confirm on the issuer's website before applying.
Common questions about the DiCard
What are the fees for the DiCard?
How does the DiCard cashback work?
Where is the DiCard available?
What cryptocurrencies does the DiCard support?
Similar Cards Worth Comparing
