CoinsOnCards
All cards
RedotPay Card logo
DeFi maxiRedotPay with StraitsX as BIN sponsor (Singapore programme)visa● Live

RedotPay Card

Hybrid custody Visa prepaid card with high spending limits ($1M daily) and real-time conversion from crypto.

The RedotPay Visa prepaid card is a cryptocurrency payment card that allows users to spend crypto seamlessly at over 130 million merchants worldwide. As a global crypto payment option now available in 100+ countries, RedotPay enables easy conversion of crypto to fiat at the point of purchase. With strong support in regions underserved by other crypto cards, it emphasizes high spending limits and international reach over reward programs.

Affiliate link — CoinsOnCards may earn a commission. Reviews are independent. How we rate.

Best for

High-volume spenders needing access in 100+ countries without staking requirements.

Skip if

You want cashback rewards or a card without a 1% crypto conversion fee.

Network
visa
Custody
hybrid
KYC
full
Max cashback
0.00%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes

The verdict

What we like
  • Exceptional spending limits ($1M daily)
  • No monthly or annual fees
  • Available in 100+ countries
  • Supports Apple Pay, Google Pay, Samsung Pay
  • Real-time conversion from BTC, ETH, USDT, USDC
Watch outs
  • Physical card issuance fee of $100
  • 1% conversion fee on all transactions
  • Limited core deposits: BTC, ETH, USDT, USDC
  • High $1M daily limit but a $100 physical card issuance fee.
  • No monthly fees but a 1% crypto conversion fee on all spending.
  • Supports Apple Pay/Google Pay but is rejected by services like Netflix.

Basic information

{"card_type":"Visa prepaid card funded by cryptocurrency","network":"Visa","card_material":"Plastic","availability_summary":"Supported in 100+ countries, but restricted in the US, UK, Canada, and others."}

Spending & ATM limits

Notes
Minimum transaction: $0.50 USD
Atm Daily
$5,000 USD (5 withdrawals per day)
Atm Monthly
$200,000 USD (75 withdrawals per month)
Daily Spending
$1,000,000 USD
Per Transaction
$100,000 USD

Rewards

Availability

Available in 69 countries. Restricted in 55 countries. Key regions missing: United States, United Kingdom, Canada, Spain, Netherlands. Some countries can open accounts but cannot receive physical card shipments (e.g., Egypt).

Top-up & funding

  • Crypto deposit (BTC, ETH, USDT, USDC)
  • Binance Pay (free instant transfers)
  • External wallet connection (MetaMask/WalletConnect)
  • Telegram Mini-App (USDT on TON)
  • Fiat deposits (HKD/USD)

Real-time conversion at purchase - no pre-loading required

Security & custody

  • Freeze/unfreeze card instantly
  • User-customizable spending limits
  • Toggle specific transaction types (online, offline, ATM)
  • Currency restrictions
  • Two-factor authentication
  • Biometric login support
  • TLS/HTTPS encryption
  • Real-time blockchain monitoring via Chainalysis and Elliptic
  • Funds segregation (customer funds kept separate from company funds)

Risk note. If the provider disappears, assets held on RedotPay are lost; assets in external wallets remain under user control.

Mobile wallets

Apple Pay Supported
Google Pay Supported
Samsung Pay Supported

Card tiers

Virtual Card

Cashback
No cashback
Card material
Virtual only
Issuance fee
$10 USD (one-time, paid in crypto)
Requirements
KYC verification required
  • Instant issuance in-app after approval
  • Online shopping
  • Subscriptions
  • Mobile contactless payments
  • Cannot be used at ATMs

Physical Card

Cashback
No cashback
Card material
Standard plastic with contactless capability
Issuance fee
$100 USD (one-time, paid in crypto)
Requirements
KYC verification required
  • Free worldwide shipping
  • Typically received within 1-4 weeks
  • Supports chip, PIN, contactless payments
  • ATM withdrawals
  • All online and in-store purchases

Loan & credit features

Credit Account - users pledge crypto assets as collateral, receive a credit limit, and spend via the card (available in select markets, particularly Singapore)

Credit-based spending available in select markets. Users can pledge assets for a credit limit spendable via the card.

Banking services

Primary settlement currencies: USD and HKD. Fiat deposits available in HKD/USD.

What users say

App Store
4.8/5.0 (1,681 ratings)
Google Play
4.4/5.0 (25,985 ratings)
Trustpilot
3.9/5.0 (501 ratings)

High transaction limits widely praised. Broad global acceptance where other crypto cards aren't available. Mobile wallet integration works seamlessly. Clean, intuitive interface. Some complaints about service rejections and lack of cashback.

Risks & limitations

Risks
  • CounterpartyCustodial service - RedotPay holds user crypto assets for direct deposits
  • RegulatoryRedotPay states that promotion or distribution outside Hong Kong is not actively pursued; users outside Hong Kong use the service on their own initiative
  • MarketList of unsupported countries is subject to change; several previously supported countries now restricted
Limitations
  • moderateNo cashback rewards program unlike many competitors
  • moderatePhysical card issuance fee of $100
  • minorLimited core cryptocurrency selection for direct deposits (BTC, ETH, USDT, USDC)
  • minor1% conversion fee on all transactions
  • majorSome popular services reject the card (Netflix, Spotify, Microsoft, Google Play, Meta)
  • moderateSeveral previously supported countries now restricted
  • moderateExact spread used when converting crypto to fiat is not explicitly documented, potentially adding hidden cost
  • minorCrypto withdrawal fees from platform not clearly specified
  • moderateSome users report card being declined for buying cryptocurrency on exchanges
  • minorCustomer support quality can be inconsistent

Roadmap

Recently shipped
  • External Wallet Connection (DApp) now live for MetaMask and WalletConnect users
  • Telegram Mini-App launched
  • Samsung Pay integration added
  • TON blockchain integration
  • Multi-Currency Wallet with asset swap capabilities
  • Credit Account option launched
Planned
  • Fiat Remittance Integration - crypto-to-fiat international transfers to bank accounts
  • Enhanced Referral System with additional incentives
  • Additional Blockchain Integrations

Best suited for

Global crypto users in regions with limited banking options, digital nomads receiving income in cryptocurrency, high-volume spenders needing large transaction limits, and stablecoin holders in inflationary economies who need reliable fiat spending methods.

Our verdict

RedotPay stands out as a practical, globally accessible crypto spending solution rather than a rewards-focused card. Its strongest differentiators are its exceptionally high spending limits ($100k per transaction, $1M daily), broad international availability (100+ countries), and zero monthly fees - all without requiring any token staking. The most significant drawbacks are the lack of cashback rewards and the fact that some popular digital services (Netflix, app stores) may decline the card.

Ready to apply for the RedotPay Card?

We may earn a commission if you apply through this link. Our reviews remain independent.

Visit official site