The Fizen Card is a Visa debit card with a $0 ($1.50/month if monthly spend is under $500) fee, available in Global excluding 42 countries (SEA focus: Vietnam/Philippines QR Pay).
Fizen is a self-custody crypto super app founded in Switzerland and Hong Kong, with a strategic investment from Tether in April 2025. Alongside the card it runs QR Pay on VietQR in Vietnam and QR Ph in the Philippines, tokenized US stock trading, travel eSIMs and remittances.
The Fizen Card is a crypto debit card offered by Fizen, available in Global excluding 42 countries (SEA focus: Vietnam/Philippines QR Pay). 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 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. Browse all our regional card guides. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| FiPoint on card spend | 0% | Fizen advertises up to 10% but publishes no tier table, no spend thresholds and no conversion rate from FiPoint to money, so no rate a holder can actually earn is verifiable. FiPoint redeems for gift cards, USDT or the $FIZEN token rather than paying cash. Scored at 0 on the same basis as fasset-card OWN Points and kredete |
| Airline booking | 0.5% | Flight bookings made in the Fizen app (Fizen lists this as coming soon) |
On $500/mo spend, the estimated monthly cost breakdown for Fizen Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $0.00/mo cashback that is still a net cost of about $7.50/mo ($90.00/yr). Fizen Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: Visa prepaid card from a Tether-backed super app whose distinguishing feature is QR Pay in Vietnam and the Philippines, supporting VietQR, Momo and ZaloPay codes, which is why it matters in SEA rather than as another global USDT card. Three tiers are published: Adventure at $9.99 (virtual, available now), Pioneer at $999.99 and Frontier at $9,999 (both physical metal, listed as coming soon); the tier price buys USDT Vault APR of 5/10/20% rather than a higher cashback rate. Published fees: 1% FX on non-USD transactions, 0.5% crypto-to-fiat conversion, $0.50 surcharge on purchases under $50, $2 + 1.5% ATM withdrawal (first withdrawal up to $200/month currently free), $2 card closure, and $1.50 monthly maintenance waived at $500 monthly spend. Card creation was paused as of this check with the site stating a next-generation card is being built, so new issuance may not be available. The QR Pay cross-border rule and the 42-country unsupported list were read from Fizen's own docs and terms on 2026-09-20, replacing a 44-country figure and a US and Hong Kong exclusion that came from third-party coverage and appear on no Fizen page. GAP: the 10% cashback ceiling is a marketing figure with no published tier table, no qualifying conditions and no published FiPoint-to-money conversion rate, which is why it is recorded at 0 rather than scored; and Fizen does not name its issuing bank on any page it controls; third-party coverage attributes issuance to a MAS-licensed provider with DBS Bank Singapore, which is not confirmed by Fizen.
Other crypto cards in the same region or category that may suit your spending profile:
The Fizen Card is a crypto debit card offered by Fizen. It is available in Global excluding 42 countries (SEA focus: Vietnam/Philippines QR Pay) and allows users to spend cryptocurrency at merchants worldwide.
The Fizen Card has an annual fee of $0 ($1.50/month if monthly spend is under $500). Additional fees: Conversion fee: 0.5% crypto to fiat; FX fee: 1% on non-USD transactions; ATM: $2 + 1.5% (first withdrawal up to $200/month currently free); Top-up: $0 within plan limits.
The Fizen Card has the following limits: daily spending limit: $1,000,000; monthly spending limit: $1,000,000; daily ATM withdrawal limit: $100,000 (3 withdrawals). Limits can vary by account tier and verification level.
Supported assets include USDT, USDC.
Yes. The Fizen Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Fizen Card is available in Global excluding 42 countries (SEA focus: Vietnam/Philippines QR Pay).
The Fizen Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Fizen 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.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.