The ZAR Card is a Visa debit card with no annual fee, available in Pakistan (South Asia).
ZAR is a dollar wallet aimed at Pakistan and other markets with capital controls, co-founded by the founders of the Pakistani neobank SadaPay and backed by a 2025 funding round led by a16z. Its terms name Golden Age Dev Lab Pte Ltd, a Singapore company, as the operator; balances are held as USDC issued by Circle.
The ZAR Card is a crypto debit card offered by ZAR (Golden Age Dev Lab Pte Ltd), available in Pakistan (South Asia). There is no annual fee to hold this card. It runs on the Visa network and requires full identity verification.
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| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0% | No cashback programme is published on any ZAR page |
On $500/mo spend, the estimated monthly cost breakdown for ZAR Card is: gas $0.00, conversion spread $7.50, flat transaction 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). ZAR 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 card spent from a USDC dollar wallet ("Your dollars are issued by Circle"). Top-up by bank transfer, by handing cash to a local merchant, or by depositing stablecoins from an exchange or wallet. FEES (zar.app/save-spend, read 2026-10-04): "Free to open. Virtual cards are free. Physical cards coming soon, fees depend on your country", and the card carries "No foreign fees"; bank transfers may carry fees shown in the app. Only the virtual card is live. KYC: the terms require KYC and AML verification, with PEP screening, before card services are enabled. VERIFICATION GAPS: no card issuer or BIN sponsor is named (the terms say payment cards are provided by independent third parties, and the only named partner is SSB, Member FDIC, for the USD account); no Pakistani licence is named, only "licensed partners"; no spend limits are published. Live since at least October 2025, when its funding round was reported.
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The ZAR Card is a crypto debit card offered by ZAR (Golden Age Dev Lab Pte Ltd). It is available in Pakistan (South Asia) and allows users to spend cryptocurrency at merchants worldwide.
The ZAR Card has an annual fee of $0. Additional fees: FX fee: 0% ("No foreign fees"); Top-up: Bank transfer fees vary by method and are shown in the app.
Supported assets include USDC; top-up methods include Stablecoin deposit, Bank transfer, Cash via local merchant.
Yes. The ZAR Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The ZAR Card is available in Pakistan (South Asia).
The ZAR Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Visit ZAR (Golden Age Dev Lab Pte Ltd)
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.