Eligible spending is capped at $200–$600 monthly by market, visible on Card cashback. The 3% tier requires $200 spend in SG/KR/JP/MY/TW/AU or $100 in VN/TH/PH, or new-cardholder eligibility; lasts this month and next. Claim 8 days after settlement. Choose USDC or tokenized assets such as WBTC, XAUt and stock tokens, not direct stock ownership. Refunds and excluded merchants do not qualify.
Top up with supported USDT/USDC routes in Card → Top up
Verify the selected token network, destination and credited amount each time; retain native gas. First top-up needs Travel Rule details, usually arriving in 3–7 minutes. A regular wallet address is not automatically a card top-up address.
Eligible citizens or residents of SG, KR, JP, VN, MY, TW, AU, TH and PH
Residents need an employment pass and address evidence; accepted ID, passport or driving licence must remain valid for at least 3 months. Mainland China and Hong Kong are outside this APAC application list; travel does not establish residency.
Update app → Wallet → Card → Apply now → identity verification → top up
Supported wallet types are seed-phrase or MPC wallets, not private-key-only wallets. Typical review is 1–2 minutes, manual review may take 1–3 working days. No identity or wallet data is submitted to TopCardX.
Merchant refunds usually take about 7 working days; exceptions 30–45 days
Refunds have no fee but may have exchange-rate differences; unspent top-ups cannot be withdrawn. Freeze under Card → Manage and contact app Support for loss; replacement changes virtual card details.
Eligible spending is capped at $200–$600 monthly by market, visible on Card cashback. The 3% tier requires $200 spend in SG/KR/JP/MY/TW/AU or $100 in VN/TH/PH, or new-cardholder eligibility; lasts this month and next. Claim 8 days after settlement. Choose USDC or tokenized assets such as WBTC, XAUt and stock tokens, not direct stock ownership. Refunds and excluded merchants do not qualify.
Top up with supported USDT/USDC routes in Card → Top up
Verify the selected token network, destination and credited amount each time; retain native gas. First top-up needs Travel Rule details, usually arriving in 3–7 minutes. A regular wallet address is not automatically a card top-up address.
Eligible citizens or residents of SG, KR, JP, VN, MY, TW, AU, TH and PH
Residents need an employment pass and address evidence; accepted ID, passport or driving licence must remain valid for at least 3 months. Mainland China and Hong Kong are outside this APAC application list; travel does not establish residency.
Merchant refunds usually take about 7 working days; exceptions 30–45 days
Refunds have no fee but may have exchange-rate differences; unspent top-ups cannot be withdrawn. Freeze under Card → Manage and contact app Support for loss; replacement changes virtual card details.
Foreign-merchant transactions 1%; asset conversion may add fees
Non-US holders: local stablecoin conversion free; 0.5% when the stablecoin matches neither holder nor merchant currency (Argentina USD exception); other crypto such as wETH 0.875%. Mastercard exchange rates and gas also apply.
Rewards use the crypto spent. Stablecoins including USDC/USDT, EUR, metals and stocks are excluded, as are transfers, taxes, utilities and other excluded merchant categories. Allow up to 15 business days for crediting.
Non-VIP 2%, capped at €50/month; VIP up to 10%/€1,000
Standard schedule effective 2026-09-01: VIP1 4%/€300, VIP2 4.5%/€450, VIP3 5%/€1,000, VIP4+ 10%/€1,000. USDG-funded purchases only, not USDC; paid in USDG usually within 72 hours of settlement. Cash, finance, insurance, education, government and other MCC exclusions apply; refunds reverse rewards. Minimum reward 0.01 EUR and 0.01 USDG after conversion.
Standard purchase fee 1%; no conversion fee or additional FX markup
Visa FX rates apply; small/failed-transaction fees are separate. These are regular rates. Qualifying campaign waivers are separate, not a full-year free-fee promise.
Standard 4%/100 USDT monthly; Premier 6%/300; Elite 10%/800
Requires actual M-Score 350–599, 600–799 or 800+, using month-end tier; trial tiers do not qualify. Eligible settled spending only, excluding disallowed merchants and refunds; paid to Spot on the next month’s 15th. Rewards may change with the program.
