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DeFi maxiVaries by region - Immersve (EU/UK), FOMO Pay (some APAC markets)both● Live

Bitget Wallet Card

Non-custodial Visa/Mastercard prepaid card for spending USDC/USDT from multiple chains like Base.

The Bitget Wallet Card is a non-custodial crypto prepaid card (Mastercard or Visa) that enables direct spending of digital assets from your Bitget Wallet at millions of merchants worldwide. It offers real-time USDC and USDT conversion to fiat at point of sale, eliminating manual transfers or bank intermediaries. Currently available as a virtual card for digital payments, with physical cards planned for future release.

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Best for

Non-custodial users spending USDC/USDT from Base, Solana, or TRON with no annual fee.

Skip if

You need a physical card, ATM access, or live in the US/Canada.

Network
both
Custody
self custodial
KYC
full
Max cashback
0.00%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes

The verdict

What we like
  • Non-custodial model preserves user control of funds.
  • Monthly 0-Fee quota of $400-$600.
  • Instant virtual card with Apple Pay integration.
  • Multi-chain top-up on Base, Ethereum, Solana, TRON.
  • High spending limits: $12,000 daily.
  • Optional yield program up to 10% APY.
Watch outs
  • Fees above monthly quota can reach 2.2%.
  • Truly non-custodial spending of USDC/USDT from your own wallet.
  • Get a $400-$600 monthly '0-Fee quota' for FX and conversion fees.

Basic information

  • Card Name: Bitget Wallet Card
  • Card Network: Visa or Mastercard (depends on regional issuing partner)
  • Card Type: Prepaid Debit Card
  • Card Format: Virtual card (physical cards under development)
  • Issuer: Varies by region (Immersve for EU/UK; FOMO Pay for some APAC markets)
  • Availability: 50+ countries including EEA, UK, Latin America, Asia-Pacific. Not available in US/Canada.

Fees

  • Issuance/Activation Fee: $10 USD (charged in USDC)
  • Annual/Monthly Fee: None
  • Monthly 0-Fee Quota: $400-$600 (automatic refund of FX markups, top-up charges, conversion spreads)
  • Fees Above Quota: Typically 1%-2.2% (varies by region/card type)
  • ATM Withdrawal Fee: Feature availability varies by region

Spending & ATM limits

Notes
$150,000 USD annual spending limit for most users; varies by issuing partner
Atm Daily
Feature availability varies by region
Daily Spending
$12,000 USD (for most users; varies by issuing partner)

Features

  • Non-custodial Model: Retain full control of crypto until the moment of purchase.
  • Monthly "0-Fee Quota": Automatic fee refunds on $400-$600 of spending per month.
  • Instant Virtual Card: Immediate issuance with mobile wallet integration.
  • Mobile Wallet Support: Apple Pay, Google Pay, PayPal, Alipay, WeChat Pay.
  • Multi-chain Top-up: Supports Base, Ethereum, Solana, and TRON for USDC/USDT.
  • Optional Yield: Earn up to 10% APY on idle stablecoin balances.
  • Spending Limits: $12,000 daily / $150,000 annual for most users.

Rewards

### Rewards * **Cashback**: No permanent cashback program. Time-limited promotional offers only (e.g., 20% cashback capped at 10 USDC during regional launches). * **Referral Program**: Tiered bonuses (20%-40% activation), spending commissions (0.10%-0.20%), and second-level commissions (10%). * **Staking Yield**: Optional program to earn up to 10% APY on idle USDC/USDT balances.

Availability

Available in 50 countries across EEA, UK, Latin America, Asia-Pacific, and China. Restricted in 16+ countries including United States, Canada, and countries under international sanctions.

Top-up & funding

  • USDC on Base
  • USDC on Ethereum
  • USDC on Solana
  • USDC on TRON
  • USDT on Base
  • USDT on Ethereum
  • USDT on Solana
  • USDT on TRON
  • In-wallet swap from other cryptocurrencies

No pre-loading required - funds deducted from connected non-custodial wallet at purchase

Security & custody

  • Non-custodial model - users retain control of crypto until moment of purchase
  • In-app card freeze/unfreeze functionality
  • Mobile wallet tokenization through Apple Pay/Google Pay/Alipay/WeChat Pay
  • Visa/Mastercard Zero Liability policy
  • Two-factor authentication required for account access

Risk note. If the provider ceases operations, users keep access to their unspent crypto assets in their wallet.

Mobile wallets

Apple Pay—
Google Pay—
Samsung Pay—

Card tiers

Bitget Wallet Card (Single Tier)

Cashback
Regional and time-limited promotional cashback offers
Card material
Virtual only
FX free limit
$400-$600 monthly 0-Fee quota (automatic fee refunds)
Issuance fee
$10 (10 USDC) one-time fee
Requirements
KYC verification, eligible region residence
  • Virtual card face customization available
  • Yield options up to 10% APY on idle stablecoin balances
  • Tiered referral program: 20%-40% activation bonus + 0.10%-0.20% spending commission + 10% second-level commission

What users say

App Store
4.7/5.0 (4,862 ratings)
Google Play
4.6/5.0 (366,958 ratings)
Trustpilot
3.5/5.0 (65 ratings)

Early user feedback has been largely positive, with users particularly appreciating the ease of setup, quick KYC process, seamless spending experience, monthly 0-Fee quota feature, and multi-chain top-up flexibility

Risks & limitations

Risks
  • SecurityBitget Wallet (previously BitKeep) experienced a security incident when attackers injected malicious code into a spoofed version of the app, leading to over $8 million in user funds being stolen
  • CounterpartyIf a user loses access to their Bitget Wallet, they can still spend the existing card balance but cannot deposit or withdraw funds
Limitations
  • majorNot available in major markets including the US and Canada
  • moderatePhysical cards not yet available (only virtual cards, under development)
  • moderateFee structure and limits vary significantly by region and issuing partner
  • minorFees above monthly quota can reach 1%-2.2% depending on region
  • moderateATM withdrawal availability varies by region
  • minorCard network (Visa vs. Mastercard) depends on regional issuing partner
  • moderateNo permanent cashback program (only time-limited promotions)
  • minorRegional variations may cause confusion about specific features and limits
  • minorRelatively new to market with limited long-term track record

Roadmap

Recently shipped
  • Enhanced referral program with tiered bonuses and lifetime commissions
  • Multi-chain support expanded to Base, Ethereum, Solana, TRON
  • Monthly 0-Fee quota model introduced
Planned
  • Physical cards under development

Best suited for

Existing Bitget Wallet users, international travelers who benefit from the monthly 0-Fee quota, privacy-focused crypto users who value non-custodial model, mobile payment enthusiasts, and multi-chain crypto holders in supported regions outside the US and Canada.

Our verdict

The Bitget Wallet Card successfully bridges the gap between crypto holdings and everyday spending, offering a practical solution for using digital assets in the real world. Its standout feature is the non-custodial model, which keeps users in control of their funds until the moment of purchase. The introduction of the monthly 0-Fee quota ($400-$600 with automatic refunds) represents a significant improvement over traditional crypto card fee structures. However, the card does have notable limitations. Geographic availability excludes major markets like the United States and Canada, and the significant regional variations in fee structures, limits, and card networks can create confusion.

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