The BenPay Card is a Mastercard / UnionPay debit card with a $0 UnionPay (promotional) / $2 per month Mastercard fee, available in Global (200+ countries).
BenPay is a decentralized Web3 payment platform built on the BenFen blockchain, backed by a $10M investment from Bixin Ventures. It combines self-custodial card spending with DeFi yield, cross-chain bridge, and staking features in a single app.
The BenPay Card is a crypto debit card offered by BenPay (BenFen), available in Global (200+ countries). There is no annual fee to hold this card.
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. It runs on the Mastercard / UnionPay network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Browse all our regional card guides. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0% | No cashback; value prop is self-custody + DeFi yield integration + zero fees |
On $500/mo spend, the estimated monthly cost breakdown for BenPay Card is: gas $0.50, conversion spread $9.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 2% of spend. After $0.00/mo cashback that is still a net cost of about $10.00/mo ($120.00/yr). Because BenPay Card is loaded on-chain, frequent small top-ups add gas cost: a daily-spender profile pays about $10.00/mo in gas versus $0.50/mo for a single monthly load, so total drag runs 3.9% with daily reloads versus 2% with a monthly reload. Figures are conservative estimates and vary with conditions.
Note: Self-custodial Web3 payment card — keys stay in BenPay Wallet, top-ups require on-chain authorization. Three tiers: Alpha (Apple/Google Pay, $200K limit), Sigma (Alipay/WeChat Pay, no limit), Delta (Apple/Google/Alipay). $0 top-up fee and 0% FX across tiers, but the flat $0 monthly fee no longer holds everywhere: effective August 4, 2026, Delta cards opened on or after that date carry a $1/month fee, and new Alipay and WeChat Pay bindings are unavailable. Alpha remains the zero-fee flagship. Multi-chain deposits: BenFen, ETH, BSC, Polygon, Optimism, Arbitrum, Avalanche, Base, Solana, Tron. Integrated DeFi Earn for on-chain yield. Card network assumed Visa based on Apple Pay/Google Pay global support — not officially confirmed by issuer.
Other crypto cards in the same region or category that may suit your spending profile:
The BenPay Card is a crypto debit card offered by BenPay (BenFen). It is available in Global (200+ countries) and allows users to spend cryptocurrency at merchants worldwide.
The BenPay Card has an annual fee of $0 UnionPay (promotional) / $2 per month Mastercard. Additional fees: FX fee: ~2% cross-border handling fee; Top-up: Minimum 1.9% online top-up fee.
Yes. The BenPay Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The BenPay Card is available in Global (200+ countries).
The BenPay Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the BenPay Card is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.
Yes, the BenPay Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.