A data-driven comparison of every crypto debit and credit card available in Singapore, ranked by cashback rate, fees, and regulatory standing.
For Singapore residents, the standout local pick is DeCard, the only Singapore-native card with direct SGD funding (backed by Standard Chartered). For the highest rewards, Crypto.com pays up to 5% with CRO staking; for self-custody, the MetaMask Card and SafePal spend straight from your own wallet. With no capital gains tax in Singapore, that cashback keeps its full value.
Singapore is one of Asia's leading fintech hubs, with the Monetary Authority of Singapore (MAS) providing a clear regulatory framework for digital payment tokens under the Payment Services Act. This combination of progressive regulation and high crypto adoption makes Singapore a prime market for crypto debit and credit cards.
The Singapore crypto card landscape includes a homegrown option, DeCard, backed by Standard Chartered and supporting direct SGD funding, alongside global players like Crypto.com, Wirex, and RedotPay that serve 150+ countries. Cards with explicit APAC coverage, such as Bitget Wallet Card and SafePal, have also expanded to Singapore.
A key advantage for Singapore residents: there is no capital gains tax on cryptocurrency, making cashback rewards especially valuable. Below, we rank the top picks based on cashback rate, fees, and Singapore-specific features.
Cashback: 2-5% USDG | Fee: $0 | Type: Debit | Base Rate: 2%
15-20% promo ended Feb 28, 2026. Ongoing rates apply ONLY to USDG-funded transactions (USDC/USDT spending earns 0%). Tier qualification is OKX exchange VIP level (asset balance OR 30-day trading volume, whichever qualifies higher). VIP thresholds updated Apr 8, 2026: VIP 1 $100K assets or $5M volume, VIP 2 $200K assets or $15M volume, VIP 3 $500K assets or $40M volume. Monthly cashback caps (effective Mar 1, 2026): EEA EUR 10/300/450/1,000, Singapore $50/$400/$600/$800 by tier. VIP 4+ at 10% removed Jul 2026 — no independent source corroborates a 10% cashback tier; all official FAQs and aggregators cap at VIP 3+ / 5%. Cashback paid in USDG. Virtual card only. EEA excludes Iceland and Liechtenstein. Singapore: Visa debit card launched Apr 2026 via OKX SG (MAS-licensed), powered by StraitsX. Brazil: Mastercard virtual card launched via OKX Pay. The Bank of Lithuania fined issuer UAB Monavate EUR 270,000 with a warning on 2025-11-25 for AML, management, and reporting breaches.
Cashback: 2-3% assetback + 10% APY | Fee: $0 | Type: Debit | Base Rate: 2%
Assetback replaced the previous physical-card-only cashback model globally on August 1, 2026: all cardholders earn 2% (Base Tier) and new users or those meeting the monthly spending threshold earn 3% (Booster Tier). The Booster threshold is market-dependent: $200/mo eligible spend in EEA/UK, Singapore, South Korea, Japan, Malaysia, Taiwan, Australia and mainland China, $100/mo across LATAM, Vietnam, Thailand, the Philippines, South Africa and Pakistan. Reaching it applies 3% retroactively to every eligible purchase in that calendar month and keeps Booster active through the following month. Rewards are paid in a chosen asset, BTC, tokenized gold (XAUT), tokenized US equities and ETFs via xStocks (NVIDIA, Tesla, Google, S&P 500), or USDC. The 0-fee spending program ended July 31, 2026 (23:59 UTC+8) and each user's old monthly 0-fee limit carried over unchanged as their monthly cashback-eligible spending cap (a $600/mo 0-fee limit became a $600/mo eligible cap). Up to 10% APY via Stablecoin Earn Plus (built on Aave). 10% guaranteed on first $10,000 USDC, 4-5% above. Physical card ($49) launched April 1, 2026 with fee-free ATM withdrawals (APAC first); before Aug 1, 2026 it earned 2.2% (5% first 30 days) while virtual cards earned nothing. Africa expansion May 2026 (South Africa live; Nigeria, Ghana, Kenya next). South Asia expansion July 2026: Pakistan, India, Sri Lanka, Bangladesh, Nepal. 1.70% spending fee, $400/mo standard zero-fee quota ($600/mo standard physical, $800/mo early-adopter). LATAM: Argentina, Brazil, Chile, Colombia, Ecuador, El Salvador, Guatemala, Mexico, Panama, Peru. APAC: Singapore, Japan, South Korea, Vietnam, Malaysia, Taiwan, Australia, Thailand, Philippines.
Cashback: 0-8% CRO | Fee: $0 (subscription $4.99-$29.99/mo) | Type: Debit | Base Rate: 0%
NOT available in US (separate US credit card exists). 'Level Up' program replaced old card tiers Sept 2025. Subscription OR CRO lockup for benefits. Monthly caps: Plus $1,250 eligible spend, Pro $2,500 eligible spend, Private/Prime uncapped. Spotify/Netflix rebates remain. Prime tier added 2026 with 8% CRO back. Private tiers also earn staking yield on locked CRO (8.5% for $50K, 9.5% for $500K). SINGAPORE: cardholders with a Singapore residential address can withdraw cash at overseas ATMs only; ATM withdrawals within Singapore are not permitted. Free overseas ATM allowance starts at S$200/mo (Midnight).
Cashback: 0% | Fee: $0-75 | Type: Credit | Base Rate: 0%
Self-custodial secured Visa credit card. NOT available in EU/EEA, UK, India, China, Israel, Turkey, Russia. Supported in 48 countries primarily Americas (US 31 states, Brazil, Argentina, Mexico, Colombia, Chile) and APAC (Australia, Japan, Singapore, Hong Kong, UAE, Thailand). Two tiers: Platinum ($10 virtual, $0 transactions, ATM $1+0.65%) and Signature ($30/yr first, then $20, lounge access, $0 ATM). Infinite tier coming soon. 0% FX markup (Visa may add 0.4-1% cross-border). USDC collateral held in user-controlled smart contract.
Cashback: 0% (2-3% travel promos only) | Fee: $0 | Type: Debit | Base Rate: 0%
Hardware wallet maker. Mastercard is the primary card (Fiat24 banking gateway); Visa variant also offered. Swiss IBAN (CHF/EUR/USD). Expanded to India, Malaysia, Singapore, UAE. Entravel 3% promo ran Dec 10, 2025 - Mar 7, 2026 and ENDED; ongoing 2% cashback on hotel bookings via Entravel SafePal portal/in-app continues. 1% standard top-up fee with rebates up to 0.6% by tier; 1% Fiat24 currency exchange. SafePal '666 Zero Fee Subsidy' covers exchange losses on first $666/mo spending. On-ramp feature disabled (use MoonPay). Apple/Google Pay. NOT available in US. Fiat24 (SafePal's Swiss banking partner) suspended new account onboarding for mainland-China residents effective June 5, 2026 (existing accounts unaffected).
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How you fund your crypto card matters for the total cost of spending:
For everyday SGD spending, cards with stablecoin or SGD funding minimize conversion losses. If you earn in USD or hold stablecoins, the conversion cost is a single step and typically under 1.5%.
Singapore's strong currency (SGD) means FX fees matter when using internationally-denominated crypto cards:
Singapore's regulatory environment is among the most developed in Asia for crypto:
Cards from MAS-licensed providers or backed by regulated banks (like DeCard via Standard Chartered) offer the strongest consumer protections.
Singapore licenses payment services through MAS under the Payment Services Act, and the licence a provider holds is public. Crypto.com's Singapore entities are both listed in MAS's Financial Institutions Directory as Major Payment Institutions: Foris DAX Asia Pte. Ltd. for Digital Payment Token Service, and Foris Asia Pte. Ltd. for account issuance, e-money issuance, and domestic and cross-border money transfer. Any card's Singapore standing can be checked the same way, by looking up the operating entity in the MAS directory rather than relying on the provider's own description.
Singapore's tax treatment of cryptocurrency is notably favorable:
This tax-friendly environment means the full value of your crypto card cashback rewards is retained, a significant advantage over jurisdictions where rewards trigger taxable events.
Several crypto cards are available in Singapore. DeCard is a Singapore-native stablecoin credit card backed by Standard Chartered. Bitget Wallet Card explicitly covers Singapore as part of its APAC rollout. SafePal has expanded to Singapore. Global cards like Crypto.com, Wirex, RedotPay, KAST, and Oobit also work in Singapore.
Yes. The Monetary Authority of Singapore (MAS) requires all payment service providers to comply with anti-money laundering regulations. Most crypto cards available in Singapore require full KYC (government ID + proof of address).
Singapore does not impose capital gains tax, which is a significant advantage for crypto card users. Cashback rewards received in cryptocurrency are generally not taxed as income for individuals.
DeCard, the Singapore-native option, supports direct SGD funding. For most global crypto cards, you fund with stablecoins (USDT/USDC) or other crypto assets, which the card provider converts to SGD at the point of sale.
The Monetary Authority of Singapore regulates crypto services under the Payment Services Act (PSA). Card issuers need a Major Payment Institution or Standard Payment Institution license. MAS has been progressive but firm, allowing innovation while enforcing consumer protection.
Every active crypto card available in Singapore, side by side. Cards explicitly mentioning Singapore are listed first, then sorted by base cashback rate.
| Card | Cashback | Annual Fee | Type | Region |
|---|---|---|---|---|
| OKX Card | 2-5% USDG | $0 | Debit | EU/Norway/Singapore/Brazil |
| Bitget Wallet Card | 2-3% assetback + 10% APY | $0 | Debit | EU/UK/LATAM/APAC/Africa |
| Crypto.com Visa Card | 0-8% CRO | $0 (subscription $4.99-$29.99/mo) | Debit | 90+ countries |
| Avici Card | 0% | $0-75 | Credit | Americas/APAC (excl EU/UK) |
| SafePal Card | 0% (2-3% travel promos only) | $0 | Debit | Global (NOT US) |
| DeCard | Up to 10% (Luminaries) | $0 (Luminaries: $388/yr) | Credit | Singapore |
| dtcpay Digital Treasures Card | 0% | $0 | Debit | Singapore (Global acceptance) |
| BingX Card | Up to 6% | $0 | Debit | Global (excl. US/UK/CA/SG/HK/CN/TH) |
| MEXC Card | 4-10% USDT | $0 | Debit | APAC + EU/EEA |
| E Money Card | 2% crypto | $99 one-time | Credit | 150+ countries |
| Jupiter Global Card | 2-4% USDC | $0 | Credit | Global |
| Plasma One Card | 2-10% XPL | $0-$199/yr or XPL lock | Debit | 150+ countries (NOT US) |
| Fasset Card | 2-6% XAU₮ | $0 (Classic) | Debit | 125+ countries (UAE/SEA/South Asia focus) |
| KAST Card (flagged) | 1.5-3% USD (+ KAST Points) | $0-$10,000/yr | Debit | 170+ countries |
| Tria Card | 1.5-6% USDT | $0 (one-time fee) | Debit | 150+ countries |
| Pengu Card | 1.5-3% USD | $0-$10,000/yr | Debit | 170+ countries |
| Baanx / Ledger CL Card | 1-2% | $0 | Debit | US/UK/EU/LATAM/Canada |
| Solayer Emerald Card | 1% + Points | $10-$75 one-time | Debit | Global (US restricted) |
| XPlace Card | 1-4% USDC + XP | $0-$999/yr | Credit | Global |
| Kolo Card | 1% BTC + 2% welcome | $0 | Debit | 60+ countries |
| GoMining Card | 1-4% TH/s | $0 | Debit | 130+ countries (excl. sanctioned) |
| Lava Card | 1-5% BTC | $0 | Credit | Global (US focus) |
| Wirex Card | 0.5-8% WXT | €0-€29.99/mo | Debit | 150+ countries |
| CoinZoom Card | 0.5-5% ZOOM | $0 | Debit | 150+ countries (NOT EU residents) |
| Xapo Card | 0.2-1% BTC | $1,000/yr | Debit | 110+ countries |
| Pionex Card | 0.1-1% USDT | $0 | Debit | Global (NOT US/China) |
| Revolut Crypto Card | 0-1% on crypto spend | $0-$16.99/mo | Debit | 48+ countries (NOT US) |
| RedotPay | 0% | $10 virtual / $100 physical | Debit | 100+ countries |
| Tangem Pay | 0% | $0 (wallet $69.90) | Debit | 70+ countries (US/LATAM/APAC/EEA) |
| Rain Card | 0% | $0 | Debit | 150+ countries (partner-dependent) |
| xKard (flagged) | 0% | $0 (subscription $9-$49/mo) | Debit | Global (excl. US + sanctioned) |
| Bing Card (flagged) | 0% | $0 | Debit | Global (NOT US) |
| Exa Card | 0% | $0 | Credit | 160+ countries (NOT UK/Europe) |
| Amp Black Card (flagged) | 0% (promo expired) | $0 | Debit | Global |
| THORWallet Mastercard | TITN staking rewards | $0 (one-time ETH fee) | Debit | 175+ countries (NOT US) |
| OffGrid Cash (flagged) | 0% | $49-$299/yr (mandatory tier subscription) | Debit | Global |
| Wayex Card | 0% | $0 | Debit | 160+ countries (28 for card) |
| Oobit Card | Up to 10% | $0 | Debit | Global (most countries, 22 exclusions) |
| CoinW Card | 0% | Variable | Debit | Global |
| Cryptomus Card | 0% | $4 issuance + 3.2% top-up | Debit | Global |
| SolCard (flagged) | 0% | $0 | Debit | Global (150M+ merchants) |
| Zypto Card | ZYP token rewards | $0/mo, $0.30/tx | Debit | Global |
| Rizon Card | 0-5% by tier | $0 | Debit | 122+ countries (US/LATAM focus) |
| Payy Card | 0% | $0 | Debit | Global |
| UPay Card | None | $0 | Debit | 168 countries |
| BYDFi Card | 0% | $12/yr | Debit | Global (excl. US/China/Russia) |
| BenPay Card | 0% | $0 | Debit | Global (200+ countries) |
| Tevau Card | Points (Lucky Box) | $0 | Debit | Asia-Pacific/MENA |
| MiniPay Card | Cashback in USDT/USDC/XAUt | $0 | Debit | Africa/EEA/LATAM/SEA (46 countries) |
| DPT Card | 0% | $0-$10,000/yr | Debit | Global (excl. US citizens + 17 countries) |
| Trocador Prepaid Cards (flagged) | None | $0 (about $2.50/month per card from month 3 on international Mastercard) | Aggregator | Global (incl. US) |
| Laso Finance Card (flagged) | None | $0 | Debit | Global (~189 countries, incl. US) |
| MaxSwap Virtual Card (flagged) | None | $0 | Debit | Global (excl. sanctioned states; US unconfirmed) |
| Kardpay (flagged) | None published | $0 (one-time $28 card fee) | Debit | Global (180+ countries claimed) |
| Pinto Pay (flagged) | None | $0 | Debit | Global (NOT US) |
| Goblin Card (flagged) | None | $0 ($350 one-time card fee) | Debit | Worldwide |
| Freedomia Card (flagged) | None | $60/yr ($5/mo Founder tier) | Debit | Global |
| Agora Card (flagged) | None | $0 ($90 virtual or $500 physical, one-time) | Debit | Global excluding sanctioned and high-risk jurisdictions |
| Keytom Card (flagged) | None | $10/mo (per card; $20/mo with both virtual and physical active) | Debit | 150+ countries |