Card Overview
HODL Card (by Club Swan/Fideum) is a luxury Mastercard debit card offering 2-22% cashback depending on purchase category, available in three premium tiers: Plastic, Metal, and Gold Plated with Diamonds. Supports BTC, ETH, and 7+ cryptocurrencies. Note: Club Swan was acquired by MELD in 2023; service availability may be affected.
This is a Mastercard crypto card. It offers cashback rewards. Available in Europe.
Fees & Limits
| Issuance Fee | $99.99 (Plastic); $249.99 (Metal); $5,000 (Gold Plated) |
|---|---|
| Annual Fee | $9.99/month (Plastic); $13.99/month (Metal); $29.99/month (Gold Plated) |
| FX Fee | Not disclosed (2% ATM fee regardless of currency) |
| ATM Limit | $1,500/day (2% ATM fee, min $1.95) |
| Spending Limit | Not disclosed |
Core Features
- Card Type: Physical only
- Top up with: Wire transfer, debit card, credit card; BTC, ETH, BCH, LTC, EOS, USDT, USDC, BAT, PAX
- Available Countries: EU/EEA for card distribution; usable in 200+ countries
Supported Cryptocurrencies
The HODL Card allows you to top up and spend using 5 supported digital assets. Your crypto is automatically converted to local fiat at the point of sale.
Who Is the HODL Card Best For?
The HODL Card is best suited for everyday crypto holders looking for a simple, convenient way to spend digital assets without managing wallets manually.
With Advertised 2-22% cashback depending on purchase type, but the 22% rate has never been publicly verified or broken down by category. No independent reviewer has confirmed what purchases earn above 2%. The card has high fees: $99.99 (Plastic) or $249.99 (Metal) issuance fee, plus $9.99-$13.99/month subscription, plus $0.20 per transaction. At $500/month spending with 2% cashback ($10), the monthly subscription alone ($9.99-$13.99) nearly cancels out all rewards. ClubSwan (the issuer) was acquired by MELD in 2023; long-term service continuity is uncertain. Realistic cashback for a typical user: ~2%. cashback on eligible purchases, the HODL Card rewards active spenders who use the card as their daily driver.
The card is currently available in EU, EEA, Global — ideal for residents and frequent travellers in those areas.
Best for
- Frequent spenders who want to earn Advertised 2-22% cashback depending on purchase type, but the 22% rate has never been publicly verified or broken down by category. No independent reviewer has confirmed what purchases earn above 2%. The card has high fees: $99.99 (Plastic) or $249.99 (Metal) issuance fee, plus $9.99-$13.99/month subscription, plus $0.20 per transaction. At $500/month spending with 2% cashback ($10), the monthly subscription alone ($9.99-$13.99) nearly cancels out all rewards. ClubSwan (the issuer) was acquired by MELD in 2023; long-term service continuity is uncertain. Realistic cashback for a typical user: ~2%. cashback
- Users who want a simple, app-managed crypto card experience
- European users within EEA countries
Avoid if
- You require full non-custodial control of your funds at all times
- You're a US resident — this card does not support US users
- You need traditional bank integration (IBAN, SEPA, direct debits)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the HODL Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Key Strengths & Considerations
Strengths
- Up to 22% cashback on select purchases; luxury card tiers; 200+ country usage; multiple crypto supported
- Accepted at millions of Mastercard merchants worldwide
- Available in most countries globally
Considerations
- Very high entry ($99-$5000); monthly fees ($10-30/mo); $0.20 per transaction; Club Swan acquired by MELD
- Card issuance fee: $99.99 (Plastic); $249.99 (Metal); $5,000 (Gold Plated)
- Annual fee: $9.99/month (Plastic); $13.99/month (Metal); $29.99/month (Gold Plated)
- Custodial product — funds held by the issuer
- KYC identity verification required to activate
How to Get the HODL Card
Getting started with the HODL Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Create a HODL account
~5 minutesVisit the official HODL 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.
Complete KYC verification
1–3 business daysSubmit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. HODL processes applications in line with AML and KYC regulations.
Fund your card
Usually instantOnce verified, top up your card balance using Wire transfer, debit card, credit card; BTC, ETH, BCH, LTC, EOS, USDT, USDC, BAT, PAX via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Receive and activate your card
5–10 business daysYour physical HODL Card will be shipped to your registered address and typically arrives within 5–10 business days. Activate it directly through the HODL app.
Requirements
Regional Availability
Available Worldwide
The HODL 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 HODL website before applying.
Available in major markets including:
Frequently Asked Questions
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