RedotPay Card Review 2026

Name: RedotPay Card
Brand: Visa
Price: 10 USD
Availability: InStock

Reviewed by Mihail B. in October 2026 · Data verified October 14, 2026 · how we verify

3.6 / 5.0Sweepbase rating

Algorithmic score, not user reviews: how it is calculated

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CustodyCustodial

NetworkVisa Prepaid

Cashback3% on Pro

Regions100+ countries

Fees and limits

Issuance fee	Virtual $10 The fine print Physical $100 (standard mail free, DHL Express extra) Virtual replacement $5 then $10 Pro waives one virtual (monthly) or one physical (annual) fee
Annual fee	Free
FX fee	1.2% on any purchase not in USD (every card issued since 21 Jan 2026 is billed in USD) plus a 1% crypto conversion fee; USD purchases carry no currency fee
ATM limit	USD card (every card issued since 21 Jan 2026): 3 withdrawals a day and 30 a month, 3,750 USD a day and 50,000 USD a… The fine print … month, lowered to 3,000 USD a day and 10,000 USD a month in some countries (fee-table image only) Fee 2% up to 10,000 USD a month, 3% above (help centre, in text) Older HKD cards: 23,000 HKD a day, 75,000 HKD a month, 2% Pro annual members get 1,000 USD a month fee-free
Spending limit	Based on verification and KYC

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

Features

Welcome bonus: 5 USDs welcome reward for new users, …
Cashback: 3% on Pro
The fine print
- … ($12.90 a month or $129 a year): Apple Pay and Google Pay purchases only, capped at $18 a month, credited as USDs that can only be spent on the card and expire after 30 days
- No cashback on a standard account
KYC: Limited no-KYC tier; ID needed for full features
Card type: Virtual + Physical
Top up with: BTC, ETH, BNB, SOL, S, SUI, TRX, XRP, USDT and USDC (RedotPay's supported-assets list)
Available countries: Worldwide except the 47 areas on RedotPay's Card Issuance Restrictions list, including the United States, mainland…
Full list
… China, India, Indonesia, Russia, Singapore, Turkey, Ukraine, Croatia, Slovenia, Serbia and Morocco

Who issues the RedotPay Card

RedotPay Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be StraitsX, Singapore, inferred from the program manager and not stated by the issuer itself. Singapore Visa programme only. RedotPay's own release of 10 February 2025 credits "StraitsX as the BIN sponsor for the card programme", and StraitsX's blog of 11 February 2025 calls itself "the official Visa BIN sponsor". The cardholder terms still leave the BIN Sponsor unnamed, and no source names the issuer of the Hong Kong programme.

Primary source · All cards issued by StraitsX · Why the issuer matters

Supported cryptocurrencies

You can load the RedotPay Card with crypto; the 7 assets we track for it are listed below.

Networks & deposit details: BTC, ETH, USDT, USDC across Ethereum, Tron, BSC, Polygon, Bitcoin, Solana

BTCBitcoinETHEthereumBNBBNBSOLSolanaTRXTRONXRPXRPUSDTTether

Pros and cons

Pros

✓
Exceptional limits ($100k/transaction, $1M daily)
The fine print
- 100+ country coverage
- Telegram Mini-App integration
- Samsung Pay support
- Earn balance is spendable by the card
Earn 3% cashback on eligible purchases
No annual maintenance fee
Welcome bonus: 5 USDs welcome reward for new users, …
Has a limited no-KYC tier for basic use
Multi-chain top-up across 7+ networks

Cons

✗
Cashback only with the paid Pro membership (3% on Apple Pay and Google Pay, $18 a month cap)
The fine print
- High issuance fees ($100 physical)
- 1% crypto conversion + 1.2% FX fees
- Fully custodial
- ATM fee 2% (3% above $10,000 a month) and ATM limits far below the purchase limits ($3,750 a day)
- Small fees for declined transactions ($0.50 after three a month) and sub-$1 authorisations ($0.20 after five)
Card issuance fee: Virtual $10
No IBAN or bank account, prepaid only

Regional availability

Available in 100+ countries

100+ countries. The card is not available in the United States, Singapore, Indonesia, India, Turkey, Ukraine, mainland China, Russia, Croatia, Slovenia, Serbia, Montenegro, Albania, Bosnia and Herzegovina, North Macedonia, Kosovo, Morocco, Nepal or Myanmar, among the 47 areas on RedotPay's Card Issuance Restrictions list; residents of Indonesia, Singapore, Turkey, India, Morocco and Nepal can open an account but cannot get a card.

Estimate your annual cost with RedotPay Card

Plug in how you actually use the card. We'll combine the RedotPay Card's FX fee, cashback, and annual fee with your spending pattern to estimate your real annual cost.

Monthly spend

Foreign-currency spend

ATM withdrawals / mo

FX fee: 1.2%Cashback: 3%Annual fee: $0

FX fee: the card publishes several rates (1.2%, 1%) for different tiers, regions or plans. The calculator uses the first; check the fees table above for the one that applies to you.

Estimated net annual cost

-$331 (you come out ahead)

Annual spend $12000 · FX cost $29 · ATM cost $0 · Cashback −$360

Estimates only. Spreads on crypto-to-fiat conversion and promotional rates may differ. See the fees table above for exact card terms.

Card overview

RedotPay publishes the highest transaction ceilings in our catalogue, $100,000 per swipe and $1 million per day, which lands it in OTC and high-net-worth territory rather than everyday consumer spend. Custody is conventional (Circle USDC plus Fireblocks). Funding takes the ten assets on RedotPay's supported list (BTC, ETH, BNB, SOL, S, SUI, TRX, XRP, USDT and USDC), plus a Telegram Mini-App for USDT-on-TON top-ups that few competitors offer.

You pay 1% crypto-to-fiat conversion plus 1.2% FX on any purchase not in USD (every card issued since 21 January 2026 is billed in USD), so a EUR purchase from a USDT-funded card costs roughly 2.2% before whatever spread the conversion buries. Physical card is $100, virtual $10. Cash is where the ceilings drop: ATM withdrawals on the USD card stop at $3,750 a day and $50,000 a month, lower in some countries, and cost 2% up to $10,000 a month and 3% above.

A standard account earns no cashback; the paid Pro membership ($12.90 a month or $129 a year) returns 3% on Apple Pay and Google Pay purchases, capped at $18 a month in spend-only credit that expires after 30 days. There is no IBAN, and that matters if you wanted a single account for receiving wires and spending. Apple Pay, Google Pay and Samsung Pay all work. KYC is mandatory for higher limits and the physical card; basic verification covers the virtual card with lower ceilings.

Residents of the 47 areas on RedotPay's Card Issuance Restrictions list, including the United States, mainland China, India, Indonesia, Singapore, Turkey and Ukraine, cannot get a card. Worth a look for high-volume holders outside that list who need ceiling rather than cashback economics. Wrong product if you want a published rate sheet you can budget against without running test transactions first.

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

Reviewed October 2026 Verified against issuer docs

RedotPay publishes very high card limits: 100,000 USD per transaction and 1,000,000 USD a day. The fee stack is a 1% crypto conversion fee plus 1.2% on purchases outside the card's default currency, 10 USD for the virtual card and 100 USD for the physical one. ATM limits are far lower than the purchase limits: 3,750 USD a day and 50,000 USD a month on the USD card, and 3,000 USD a day and 10,000 USD a month in some countries, with a 2% fee up to 10,000 USD a month and 3% above. After three declined transactions a month on a card, each further decline costs 0.5 USD.
Residents of 47 areas cannot get a card, including the United States, India, Indonesia, Singapore, Turkey and Ukraine. The paid Pro membership returns 3% on Apple Pay and Google Pay purchases, capped at 18 USDs a month, and issued USDs expire after 30 days. The fee table, effective since 1 December 2025, and the restriction list, updated 28 August 2026, are unchanged.

Common questions about the RedotPay 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 RedotPay Card?

The RedotPay Card has two charges. Issuance fee: Virtual $10. FX fee: 1.2% on any purchase not in USD (every card issued since 21 Jan 2026 is billed in USD) plus a 1% crypto conversion fee. No annual fee.

Is the RedotPay Card legit, and who is behind it?

Partly documented: RedotPay Card does not name its issuer outright, and on the documents we could reach the sponsor appears to be StraitsX, Singapore, inferred from the program manager rather than stated by the issuer. RedotPay's own release of 10 February 2025 credits "StraitsX as the BIN sponsor for the card programme", and StraitsX's blog of 11 February 2025 calls itself "the official Visa BIN sponsor". The cardholder terms still leave the BIN Sponsor unnamed, and no source names the issuer of the Hong Kong programme.

Is the RedotPay Card worth it?

What the RedotPay Card offers is its 3% cashback rewards and no annual fee. That suits people who want a card without handing over ID for basic use. The main thing to weigh is the issuance fee: Virtual $10.

How does the RedotPay Card cashback work?

3% on Pro ($12.90 a month or $129 a year): Apple Pay and Google Pay purchases only, capped at $18 a month, credited as USDs that can only be spent on the card and expire after 30 days. No cashback on a standard account.