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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
RedotPayStandard virtual App application guide Card 1	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points redeemable under in-app campaigns Points are not cash or a fixed cashback rate, cannot be transferred or withdrawn; earning and redemption rules are published in the app.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.
RedotPayPro monthly + virtual App application guide Card 2	Eligible countries unconfirmed See known restrictions in full terms RedotPay · Pro monthly + 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.	1 virtual fee waiver Monthly plan; physical extra RedotPay · Pro monthly + virtual Issuance One virtual issuance fee waiver with membership Pro is an account subscription; monthly membership does not waive physical issuance	$12.90 / month Auto-renews; opt out; no refund RedotPay · Pro monthly + virtual Monthly / annual $12.90/month Renewal attempted 48 hours before expiry; membership is non-refundable, renewal can be disabled	1% crypto conversion Non-USD adds 1.2% RedotPay · Pro monthly + 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.	3% · up to 18 USDs/mo Eligible Apple/Google Pay only 30-day expiry; spend only RedotPay · Pro monthly + virtual Rewards 3% eligible purchases, capped at 18 USDs/month Eligible Apple Pay / Google Pay purchases only. Credited after settlement; expires in 30 days. Spend-only, not transferable or cash-withdrawable. Refunds reverse rewards.	Yes Supported RedotPay · Pro monthly + virtual Apple Pay Available for supported cards and devices Wallet-region and card-linking requirements apply	Yes Supported RedotPay · Pro monthly + virtual Google Pay Available for supported cards and devices Wallet-region and card-linking requirements apply	No Not supported RedotPay · Pro monthly + 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 · Pro monthly + 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 · Pro monthly + virtual Card format Virtual card for online purchases and mobile wallets	USDT, USDC, BTC, ETH Verify network before deposit; meet coin minimums RedotPay · Pro monthly + 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 · Pro monthly + 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 · Pro monthly + 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 · Pro monthly + 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; Pro fees non-refundable RedotPay · Pro monthly + virtual Refunds / repayment Merchant initiates refund to your RedotPay account Merchant processing may take 30+ days; RedotPay credits within 2–15 days after receipt. Disable renewal under Manage membership; benefits last to paid expiry. Membership fees are non-refundable.	Small, declined and selected-merchant transactions can incur fees RedotPay · Pro monthly + 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
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 →
RedotPayPro monthly + virtual	—Issuance quote unconfirmed	$120	$154.80	—	Full fee terms RedotPay · Pro monthly + 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.