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Card	EligibilityResidence & identity	Issuance	Monthly / annual	Spending feesConversion + FX	RewardsRate / cap / eligibility	Apple Pay	Google Pay	ATM withdrawals	Funding fees	Card format	Payment assets	Spending / ATM limits	Who holds funds	Apply / activate	Refunds / repayment	Usage limits
Bitget Wallet CardAPAC virtual Apply now May earn commission Card 1	9 APAC markets; citizenship/residency Includes SG/JP; mainland China and HK excluded Bitget Wallet Card · APAC virtual Eligibility 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.	Free virtual card Supported APAC regions only Bitget Wallet Card · APAC virtual Issuance Free virtual-card application Identity and market approval required; physical card costs extra.	No monthly / annual fee Conversion & FX extra Bitget Wallet Card · APAC virtual Monthly / annual No monthly or annual fee Conversion and foreign-currency charges still apply.	0.05%–0.2% conversion Non-USD adds 1.7%, at Visa rates Bitget Wallet Card · APAC virtual Spending fees 0.05%–0.2% conversion; non-USD adds 1.7% Visa exchange rates apply; USD purchases waive only the additional FX fee, not conversion.	Base 2%; qualified 3% Rewards on $200–$600 spend/mo 3% needs new-user/spend criteria Bitget Wallet Card · APAC virtual Rewards 2% base assetback; 3% for new or qualifying users 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.	Paused Enrollment paused Bitget Wallet Card · APAC virtual Apple Pay APAC cards temporarily cannot be added to Apple Pay The APAC help page suspends card enrollment without a restoration date.	Yes Supported Bitget Wallet Card · APAC virtual Google Pay Google Pay supported Requires a compatible Android/NFC device, supported wallet market and phone verification; tap-to-pay requires successful enrollment.	No Not supported Bitget Wallet Card · APAC virtual ATM withdrawals Physical card required for ATM access This virtual edition excludes a physical card; ATM use is also unavailable in Singapore.	0 top-up fee · network gas extra First top-up needs Travel Rule; non-withdrawable Bitget Wallet Card · APAC virtual Funding fees No card top-up fee; network gas is extra Prefund the card and complete FOMO Pay Travel Rule information on first top-up. Unspent balance cannot be withdrawn back to the wallet.	Virtual Visa debit card Bitget Wallet Card · APAC virtual Card format Virtual Visa debit card Use card details online or Google Pay at supported terminals; physical edition is listed separately.	USDT, USDC, etc. Check token network; usually credited in 3–7 minutes Bitget Wallet Card · APAC virtual Payment assets 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.	Daily $50k · annual $990k Single deposit max $200k; subject to risk controls Bitget Wallet Card · APAC virtual Spending / ATM limits Spend up to $50,000/day and $990,000/year; top up at most $200,000 per transfer APAC published maximums remain subject to balance and risk controls.	Prefunded balance via DCS program Card balance distinct from wallet; non-withdrawable Bitget Wallet Card · APAC virtual Who holds funds Spend a prefunded card balance through the DCS program Wallet assets and topped-up card balances are distinct; unused card funds cannot be returned to the wallet.	In-wallet application; usually 1–2 mins review Seed/MPC wallet required; manual review may take 1–3 workdays Bitget Wallet Card · APAC virtual Apply / activate 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.	Refunds usually ~7 workdays 30–45 days in special cases; unspent balance cannot be withdrawn Bitget Wallet Card · APAC virtual Refunds / repayment 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.	No additional terms listed Bitget Wallet Card · APAC virtual Usage limits No additional terms listed
ether.fi CashCore international virtual Apply now May earn commission Card 2	Supported international regions Residence/citizenship rules; US, CA and PR need separate confirmation. ether.fi Cash · Core international virtual Eligibility Supported international residences and eligible identity required The official list includes Hong Kong, Singapore, the UK, parts of Europe and other regions. Belgium and Ireland are eligible for Cash without physical delivery. Unlisted jurisdictions cannot currently apply. Residence, citizenship and compliance checks must satisfy the terms. The US program has separate agreements and is outside this entry. Canada appears in the help list but the terms exclude Canadian residents and citizens; obtain official confirmation first.	First card $0 / $10 Regional quote; extra cards $10. Check before ordering. ether.fi Cash · Core international virtual Issuance First virtual card $0 or $10 by region The newer first-card fee FAQ lists AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA and TH at $10; the first card is normally free elsewhere. Additional cards after the allowance cost $10. An older limits page also lists HK, GB and SG as charged: check the regional Add Card quote before ordering. No physical card included.	No monthly / annual fee Interest and transaction fees separate. ether.fi Cash · Core international virtual Monthly / annual Core has no membership monthly or annual fee Core does not require a paid upgrade or asset threshold. Issuance, funding and FX costs are separate; borrowing interest is not covered by free membership.	No USD/EUR markup EUR beta; others ~1% + 0–0.5%, DCC separate. ether.fi Cash · Core international virtual Spending fees No FX markup for USD/EUR spend; other currencies about 1% + 0–0.5% Other currencies use Visa settlement rates with about 1% base FX cost plus 0–0.5% Core markup. Zero EUR markup is a beta rule for merchant charges actually denominated in EUR, whether funded by USDC or EURC; market currency conversion still applies. Merchant dynamic currency conversion (DCC) can add charges outside this exemption.	Up to 3% ETHFI First $2k/month standard or $800 equivalent EUR; 7-day lock, $5 claim. ether.fi Cash · Core international virtual Rewards Up to 3%, paid in ETHFI tokens Progressive calendar-month tiers: standard spend earns 3% on the first $2,000, 1% on the next $1,000 and 0.5% above $3,000. EUR spend uses USD-equivalent thresholds: 3% on the first $800, 1% from $800 to $1,500 and 0.1% above $1,500. USD and EUR share one monthly counter, not separate allowances. Rewards convert to ETHFI at clearing, lock for 7 days and require a manual claim of at least $5; token value fluctuates. ATM, transfers, taxes, gift cards, financial funding, rent, gambling and other excluded transactions earn no rewards; refunds reverse rewards.	Yes Apple Pay supported Region, device and wallet verification apply. ether.fi Cash · Core international virtual Apple Pay Apple Pay supported Add card details in the device wallet and complete verification; a supported region, device and active card are required.	Yes Google Pay supported Region, device and wallet verification apply. ether.fi Cash · Core international virtual Google Pay Google Pay supported Add card details in the device wallet and complete verification; a supported region, device and active card are required.	No Separate physical card needed Physical ATM access not included. ether.fi Cash · Core international virtual ATM withdrawals ATM access requires a separate physical card This virtual-card entry does not include physical-card cash access. Official guidance lists ATM use as a physical-card feature, with separate issuance and withdrawal terms.	Onchain costs; bank route fees ACH $0.50 + 0.1%; expand for other routes. ether.fi Cash · Core international virtual Funding fees Onchain network costs apply; bank funding is route-priced Check the supported asset, network, address and transaction quote; network, protocol or bridge costs are not assumed free. Where available: USD ACH $0.50 + 0.10%; USD Wire/SWIFT $20 + 0.10%; EUR SEPA to USDC €0.90 + 0.15%, or to EURC €0.90. Other fiat routes, minimums and availability are shown in the deposit flow; route prices are not interchangeable.	Virtual Visa Physical card ordered separately. ether.fi Cash · Core international virtual Card format Visa Signature virtual credit card For online payments and supported mobile wallets. A Core physical plastic card is a separate purchase; membership tier and card form are distinct.	USDC / USDT / EURC and more Set eligible asset priority; regional restrictions apply. ether.fi Cash · Core international virtual Payment assets Direct Pay can use USDC, USDT, EURC and other supported account assets Choose eligible assets and order at Portfolio → Set Spend Priority. Guidance also lists liquidUSD, liquidEUR, liquidReserve and frxUSD, but availability is regional. Liquid is unavailable to US/UK residents or citizens; Liquid Reserve belongs to a specific US program. Use only assets and deposit networks permitted for the account; insufficient balance does not guarantee a successful payment from another asset.	Default $5,000/day Account default $10k/day and month; adjustable, balance/collateral apply. ether.fi Cash · Core international virtual Spending / ATM limits Default card daily limit $5,000; account daily/monthly limits $10,000 each These are adjustable defaults, not guaranteed maximum credit. Card and account limits both apply and the first reached blocks spend. Review or change them in Cash card Spending limits and Vault → Settings; changes may have a security delay. Direct Pay also depends on available balance; Borrow Mode depends on collateral ratios, protocol and account conditions.	Personal onchain account Spending permissions; borrowing liquidation risk. ether.fi Cash · Core international virtual Who holds funds Assets stay in a personal onchain account with spending permissions Cash connects a non-custodial wallet and Direct Pay uses available assets. Borrow Mode collateral can be liquidated as prices fall or interest accrues. Third National issues the Visa card but does not provide the protocol loan; onchain assets are not insured bank deposits.	Signup → Add Card → Virtual After verification, check the regional quote. ether.fi Cash · Core international virtual Apply / activate Sign up with ether.fi → Cash / Cards → Add Card → Virtual Confirm residence eligibility and complete verification, then review the Core first-virtual-card quote in Add Card before confirming. Obtain the card details, select a spending mode, fund the account and set limits; optionally add a mobile wallet. A physical order is not required.	Balance spend / secured borrowing Immediate loan interest; USDC refunds do not repay debt. ether.fi Cash · Core international virtual Refunds / repayment Direct Pay spends the balance; Borrow Mode accrues variable interest Borrowing accrues compound interest immediately with no interest-free grace period; check the live account APY before borrowing. Repay voluntarily; no scheduled monthly minimum does not remove collateral requirements. Refunds usually take 3–7 business days and may take 30, return as USDC and reverse rewards. A Borrow Mode refund does not automatically repay debt: repay manually or interest continues.	Borrowing is not an interest-free credit line ether.fi Cash · Core international virtual Usage limits Borrowing is not an interest-free credit line Falling collateral value or accrued interest can reduce available credit and trigger liquidation; Direct Pay is available without borrowing.

Monthly spend · USD equivalent Merchant charge currency Estimate period

Issuance, ongoing and purchase fees only; rewards not deducted. Estimate scope

Issuance, ongoing and spending fees, and their subtotal for each card, in USD
Card	Three-fee subtotalUSD · First year	Spending / year	Ongoing / year	Issuance	Assumptions
Bitget Wallet CardAPAC virtual	$6–$24	$6–$24	$0	$0	Full fee terms Bitget Wallet Card · APAC virtual APAC Visa with an existing card balance. Both rates use the same purchase principal; actual fee sequencing and rounding can differ. web3.bitget.com · 2026-09-28 Full fee terms →
ether.fi CashCore international virtual	—Issuance quote unconfirmed	$0	$0	—	Full fee terms ether.fi Cash · Core international virtual Core, existing USDC and Direct Pay. First-card fees depend on the regional quote; EUR beta terms are not projected for a full year. help.ether.fi · 2026-09-28 help.ether.fi · 2026-09-28 help.ether.fi · 2026-09-28 Full fee terms →

Assumes a funded balance and current regular rates over 12 months. Excludes funding/network costs, ATM, exchange-rate differences, merchant surcharges and special-transaction fees. Temporary offers are not projected for a full year. “—” means unconfirmed or unsuitable for projection, not free. Ranges retain rate differences. No first-year subtotal where the regional issuance price is unclear. This is not a best-price ranking.