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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
RedotPayStandard virtual App application guide Card 2	Eligible countries unconfirmed See known restrictions in full terms RedotPay · Standard virtual Eligibility Age 18+; identity document and face verification Citizenship, residence and physical location are assessed separately. Mainland China and the US have nationality/service restrictions; Singapore residents cannot obtain cards. Other applicants still need in-app approval.	$10 once Non-refundable; not balance RedotPay · Standard virtual Issuance $10 one-time Issuance is not spendable balance and is non-refundable	No monthly / annual fee RedotPay · Standard virtual Monthly / annual No monthly, annual or account maintenance fee	1% crypto conversion Non-USD adds 1.2% RedotPay · Standard virtual Spending fees Crypto conversion 1%; non-USD purchases add 1.2% USD card only. USD purchases avoid the foreign-currency fee; crypto conversion still applies.	Points; no fixed cashback Redeem per in-app offers RedotPay · Standard virtual Rewards Spending points redeemable under in-app campaigns Points are not cash or a fixed cashback rate, cannot be transferred or withdrawn; earning and redemption rules are published in the app.	Yes Supported RedotPay · Standard virtual Apple Pay Available for supported cards and devices Wallet-region and card-linking requirements apply	Yes Supported RedotPay · Standard virtual Google Pay Available for supported cards and devices Wallet-region and card-linking requirements apply	No Not supported RedotPay · Standard virtual ATM withdrawals No ATM access for this virtual card A separate physical card is required; Pro monthly includes neither free physical issuance nor an ATM allowance	0 platform fee on crypto deposits Network fee extra; other routes quoted separately RedotPay · Standard virtual Funding fees Crypto deposits: no RedotPay deposit fee Sender network fees apply. Other funding or purchase routes use their displayed quote, not the crypto-deposit fee.	Virtual card for online purchases and mobile wallets RedotPay · Standard virtual Card format Virtual card for online purchases and mobile wallets	USDT, USDC, BTC, ETH Verify network before deposit; meet coin minimums RedotPay · Standard virtual Payment assets USDT, USDC, BTC, ETH and other in-app supported assets Check asset, network, address and minimum in Deposit before sending. Minimums vary; net deposits below the threshold are not immediately credited.	Max $100,000/tx · $1,000,000/day Published ceilings; personal limits subject to KYC/risk RedotPay · Standard virtual Spending / ATM limits Purchase ceiling $100,000/transaction, $1,000,000/day Published USD card ceilings are not guaranteed personal limits; risk controls or user-set limits can be lower. Virtual cards have no ATM access.	Custody in RedotPay platform account Managed by platform; counterparty risks apply RedotPay · Standard virtual Who holds funds Assets are funded into a RedotPay custodian account The platform and custodians manage the balance, with counterparty and stablecoin risks. Separate on-chain vault programs are outside this listing.	Apply in RedotPay app Approval and funding required; issue fee depends on card type RedotPay · Standard virtual Apply / activate Register and verify → fund account → apply in Card Enter your real billing address in English; pay $10 for standard virtual or use the Pro waiver. Activation requires approval.	2–15 days after merchant refund Merchant may take over 30 days; issue fee not refunded RedotPay · Standard virtual Refunds / repayment Merchant initiates refund to your RedotPay account Merchant processing may take 30+ days; RedotPay credits within 2–15 days after receipt. Issuance fees remain non-refundable.	Small, declined and selected-merchant transactions can incur fees RedotPay · Standard virtual Usage limits Small, declined and selected-merchant transactions can incur fees Per card/month: first five purchases ≤$1 have no small-payment charge, then $0.20 each; first three declines are free, then $0.50 each. Selected merchants: first three exempt, then 1.5%, minimum $0.50.
RedotPayStandard physical App application guide Card 3	Eligible countries unconfirmed See known restrictions in full terms RedotPay · Standard physical Eligibility Age 18+; identity document and face verification Citizenship, residence and physical location are assessed separately. Mainland China and the US have nationality/service restrictions; Singapore residents cannot obtain cards. Other applicants still need in-app approval.	$100 once Non-refundable; not balance RedotPay · Standard physical Issuance $100 one-time Issuance is not spendable balance and is non-refundable. Standard postage is free; DHL express is quoted separately at checkout by destination.	No monthly / annual fee RedotPay · Standard physical Monthly / annual No monthly, annual or account maintenance fee	1% crypto conversion Non-USD adds 1.2% RedotPay · Standard physical Spending fees Crypto conversion 1%; non-USD purchases add 1.2% USD card only. USD purchases avoid the foreign-currency fee; crypto conversion still applies.	Points; no fixed cashback Redeem per in-app offers RedotPay · Standard physical Rewards Spending points redeemable under in-app campaigns Points are not cash or a fixed cashback rate, cannot be transferred or withdrawn; earning and redemption rules are published in the app.	Yes Supported RedotPay · Standard physical Apple Pay Available for supported cards and devices Wallet-region and card-linking requirements apply	Yes Supported RedotPay · Standard physical Google Pay Available for supported cards and devices Wallet-region and card-linking requirements apply	Yes： Monthly ≤$10,000: 2% 3% above tier; conversion, FX and operator fees extra RedotPay · Standard physical ATM withdrawals Monthly withdrawals ≤ $10,000: 2%; higher tier: 3% ATM operator, crypto conversion and non-USD withdrawal charges may also apply	0 platform fee on crypto deposits Network fee extra; other routes quoted separately RedotPay · Standard physical Funding fees Crypto deposits: no RedotPay deposit fee Sender network fees apply. Other funding or purchase routes use their displayed quote, not the crypto-deposit fee.	Physical card for terminals and ATMs RedotPay · Standard physical Card format Physical card for terminals and ATMs	USDT, USDC, BTC, ETH Verify network before deposit; meet coin minimums RedotPay · Standard physical Payment assets USDT, USDC, BTC, ETH and other in-app supported assets Check asset, network, address and minimum in Deposit before sending. Minimums vary; net deposits below the threshold are not immediately credited.	Spend up to $100,000/tx ATM usually $3,750/day; some countries $3,000; personal limits may be lower RedotPay · Standard physical Spending / ATM limits Purchase ceiling $100,000/transaction, $1,000,000/day USD physical ATM: 3/day and 30/month; normally $3,750/day and $50,000/month, certain countries $3,000/day and $10,000/month. Account risk limits can be lower.	Custody in RedotPay platform account Managed by platform; counterparty risks apply RedotPay · Standard physical Who holds funds Assets are funded into a RedotPay custodian account The platform and custodians manage the balance, with counterparty and stablecoin risks. Separate on-chain vault programs are outside this listing.	Apply in app; activate on arrival $100 issue fee; delivery address required RedotPay · Standard physical Apply / activate Register and verify → fund account → apply in Card Enter your real billing address in English and delivery address; pay $100, await delivery and activate in the app. Delivery has separate restrictions: Egypt, Palestine and Tunisia are also excluded beyond the issuance restrictions. A supported delivery address does not establish application eligibility.	2–15 days after merchant refund Merchant may take over 30 days; issue fee not refunded RedotPay · Standard physical Refunds / repayment Merchant initiates refund to your RedotPay account Merchant processing may take 30+ days; RedotPay credits within 2–15 days after receipt. Issuance fees remain non-refundable.	Small, declined and selected-merchant transactions can incur fees RedotPay · Standard physical Usage limits Small, declined and selected-merchant transactions can incur fees Per card/month: first five purchases ≤$1 have no small-payment charge, then $0.20 each; first three declines are free, then $0.50 each. Selected merchants: first three exempt, then 1.5%, minimum $0.50.

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 →
RedotPayStandard virtual	$130	$120	$0	$10	Full fee terms RedotPay · Standard virtual USD card with existing crypto balance; successful purchases only. Small authorizations, declined transactions and replacements are separate. helpcenter.redotpay.com · 2026-09-28 Full fee terms →
RedotPayStandard physical	$220	$120	$0	$100	Full fee terms RedotPay · Standard physical USD card with existing crypto balance; successful purchases only. Small authorizations, declined transactions and replacements are separate. helpcenter.redotpay.com · 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.