by DCS Card Centre / Standard Chartered
DCS Card Centre is a Singapore-based card issuer founded in 1973 as Diners Club Singapore and now operating as a wholly owned subsidiary of DCS Fintech Holdings, regulated by the Monetary Authority of Singapore under the Banking Act. In November 2025 DCS announced a partnership with Standard Chartered to support its DeCard stablecoin payment product in Singapore.
The DeCard is a crypto credit card offered by DCS Card Centre / Standard Chartered, available in Singapore. It offers Up to 10% (Luminaries) cashback across 2 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card.
Best suited for spenders who want a true credit line rather than a pre-funded crypto debit card. Its cashback rate sits in the top tier among crypto cards we track. It runs on the Visa network and requires full identity verification.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0% | Free, earns DePoints redeemable for rewards |
| Luminaries | 10% | $388/yr, capped at $200/mo cashback, concierge + lounge access |
Note: Singapore's first stablecoin credit card. Standard Chartered serves as principal banking partner; DCS Card Centre (formerly Diners Club Singapore) is issuer. Initial DeCard launch began November 2025 with full rollout in H1 2026; DeCard Luminaries premium tier launched at Token2049 Singapore (Sep-Oct 2025) with up to 10% cashback (capped US$200/mo). Standard tier earns DePoints redeemable for cash, travel, dining, lifestyle. Fund with SGD or convert USDT/USDC (Polygon); merchants paid in fiat. Income requirement: S$30K+ p.a. (citizens), S$60K+ (foreigners). Inactive Account Fee (S$5/US$5) applies to standard DeCard from Feb 13, 2026; not applicable to Luminaries. Plans for global expansion.
Other crypto cards in the same region or category that may suit your spending profile:
The DeCard is a crypto credit card offered by DCS Card Centre / Standard Chartered. It is available in Singapore and allows users to spend cryptocurrency at merchants worldwide.
The DeCard offers Up to 10% (Luminaries) cashback. There are 2 tiers: Standard (0%), Luminaries (10%).
The DeCard has an annual fee of $0 (Luminaries: $388/yr). Additional fees: Conversion fee: 0% markup (market rate); FX fee: 1.8%; ATM: 1% or S$5/US$5 minimum; Top-up: 0%; Inactivity: S$5/US$5 standard tier if inactive 90 days (effective Feb 13, 2026); N/A for Luminaries.
The DeCard is available in Singapore. Its availability status is "Singapore".
The DeCard is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.
Yes, the DeCard supports Apple Pay and Google Pay for contactless payments.
Visit DCS Card Centre / Standard Chartered
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level.