The E Money Card is a Mastercard credit card with a $99 one-time fee, available in 187 countries (NOT US/Canada).
E Money Network is a MiCA-oriented modular Layer 1 blockchain with built-in compliance modules (KYC, KYB, KYT), focused on real-world-asset tokenization. Consumer products include a multichain wallet and the E Money Card, a Mastercard-network crypto card; the project rebranded from Scallop in early 2024 and announced a $5 million Series A in January 2025 co-led by Animoca Brands.
The E Money Card is a crypto credit card offered by E Money Network, available in 187 countries (NOT US/Canada). The annual fee starts at $99 one-time.
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. It runs on the Mastercard network and requires standard 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 credit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0% | No cashback programme appears in any E Money document. A single provider social post advertises "up to 2% cashback", which is neither a flat rate nor corroborated by the fee schedule or card FAQs |
On $500/mo spend, the estimated monthly cost breakdown for E Money Card is: gas $0.50, conversion spread $2.50, flat transaction fees $0.00, and amortised card/tier fee $8.25, for a total drag of 2.3% of spend. After $0.00/mo cashback that is still a net cost of about $11.25/mo ($135.00/yr). Because E Money 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 4.2% with daily reloads versus 2.3% with a monthly reload. This card bills in HKD. Spending in another currency adds a 3% FX fee; these figures do not include it. Figures are conservative estimates and vary with conditions.
Note: Rebranded from Scallop (July 2025). Non-custodial Mastercard credit card. $99 one-time fee (USDT/USDC). Foreign transactions cost roughly 3% all-in: E Money charges 1% and Mastercard adds a 2% network fee on overseas transactions. Supports ETH/BNB/Solana chains. MiCA-compliant. Card listed as live in E Money Network FAQ (Mastercard accepted worldwide). Limited independent third-party verification of cardholder volume. CASHBACK UNRESOLVED (2026-09-04): the "up to 2%" claim is no longer confined to a social post. E Money's own blog and its E Money Card FAQ pages both now advertise up to 2% cashback on all card transactions. What is still missing everywhere is the mechanism: no tier, threshold, cap, payout asset or qualifying-category rule is published, and "up to 2%" without those is not a rate a user can rely on. The recorded rate stays at 0 rather than adopting a headline number with no terms behind it. Needs manual review against the live card FAQ. WIND-DOWN ANNOUNCED (2026-10-18): the emoney.network homepage banner reads "E Money Network is being discontinued", and the official post https://blog.emoney.io/announcements/the-future-of-emyc says the E Money Network blockchain will be shut down and the project will officially conclude its operations, with the EMYC token frozen and convertible into Scallop equity. CARD SERVICES TO BE DISCONTINUED (2026-10-23): E Money's EMYC conversion FAQ (https://blog.emoney.io/faqs/emyc-to-scallop-equity-conversion-frequently-asked-questions.md, Q14) now states that "the E Money Network Wallet and card services will be discontinued" as part of the wind-down, which begins after the EMYC conversion completes and the token is delisted. No date is published, so status stays active until a shutdown date or a second source confirms the card has stopped working. emoney.network now redirects to emoney.io. The FAQ also says the EMYC and SCLP staking programmes have officially ended.
Other crypto cards in the same region or category that may suit your spending profile:
The E Money Card is a crypto credit card offered by E Money Network. It is available in 187 countries (NOT US/Canada) and allows users to spend cryptocurrency at merchants worldwide.
The E Money Card has an annual fee of $99 one-time. Additional fees: Conversion fee: 0.5% collateral injection (top-up); FX fee: 1% (E Money) plus a 2% Mastercard network fee on overseas transactions, roughly 3% all-in; ATM: 2% Hong Kong / 1% overseas (E Money fee), plus a 1% Mastercard network fee (minimum HKD 50); Top-up: 0.5%.
Yes. E Money Network requires standard identity verification (KYC), typically a government-issued ID, during signup.
The E Money Card is available in 187 countries (NOT US/Canada).
The E Money Card is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.
Yes, the E Money 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 E Money 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.