by DCS Card Centre / Standard Chartered
The DeCard earns 2-10% (10% only above US$5,000/mo) cashback on a Visa credit card with a $0 (Luminaries: $388/yr) fee, available in Singapore + 8 APAC (AU/JP/KR/MY/PH/TW/TH/VN).
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 + 8 APAC (AU/JP/KR/MY/PH/TW/TH/VN). It offers 2-10% (10% only above US$5,000/mo) 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.
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. Compare more options in our regional guides for Singapore and Japan. See where it ranks among the best crypto credit cards.
DeCard is offered in 9 countries according to the provider's published list.
| Tier | Rate | Requirement |
|---|---|---|
| DeCard | 0% | Free; earns DePoints only, at 1 DePoint per US$1 with no cap (2-year validity), per the DeCard T&Cs as of 2 Oct 2026 |
| DeCard Luminaries | 10% | US$388/yr, cannot be waived. 2% on the first US$2,000 of monthly spend, 3% on the next US$3,000, and 10% only on spend above US$5,000/mo, all capped at US$200/mo cashback. Scan-and-Pay transactions are excluded |
On $500/mo spend, the estimated monthly cost breakdown for DeCard is: gas $0.00, conversion spread $0.00, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $0.00/mo cashback that nets a gain of about $0.00/mo ($0.00/yr). DeCard tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. This card bills in SGD or USD. Spending in another currency adds a 1.8% FX fee; these figures do not include it. Figures are conservative estimates and vary with conditions.
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 tiered cashback of 2% on the first US$2,000 of monthly spend, 3% on the next US$3,000 and 10% only above US$5,000/mo, all capped at 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: DeCard's landing page now lists "No minimum income required" under Eligibility & Requirements (read 2026-10-01); S$30K+ p.a. (citizens) and S$60K+ (foreigners) were recorded earlier. Inactive Account Fee (S$5/US$5) applies to standard DeCard from Feb 13, 2026; not applicable to Luminaries. Plans for global expansion. As of 2026-09-11 the thedecard.com root serves a business-facing page about co-branded and white-label issuing, with no consumer rates, so cardPageUrl points at the consumer landing page instead. The Luminaries cashback ladder (first US$2,000 at 2%, next US$3,000 at 3%, above US$5,000 at 10%, capped at US$200) is published in DeCard's help centre (help.thedecard.com, New DeCard Luminaries benefits). AVAILABILITY: the card page and help centre now say DeCard is available to individuals residing in Singapore, Australia, Japan, South Korea, Malaysia, the Philippines, Taiwan, Thailand and Vietnam. Interest is 28% per annum.
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 + 8 APAC (AU/JP/KR/MY/PH/TW/TH/VN) and allows users to spend cryptocurrency at merchants worldwide.
The DeCard offers 2-10% (10% only above US$5,000/mo) cashback. There are 2 tiers: DeCard (0%), DeCard 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% on transactions not in the card's billing currency (SGD card: non-SGD; USD card: non-USD); 0% for DeCard Luminaries from 13 July 2026; 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.
Yes. The DeCard requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The DeCard is available in Singapore, Australia, Japan, South Korea, Malaysia, Philippines, Taiwan, Thailand, Vietnam, according to the provider's published list.
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, or compare cards side by side.