A data-driven comparison of every crypto debit and credit card available in Singapore — ranked by cashback rate, fees, and regulatory standing.
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: Up to 10% APY staking | Fee: Variable | Type: Debit | Base Rate: 0%
Up to 10% APY via Stablecoin Earn Plus (built on Aave). 10% guaranteed on first 1,000 USDC, 4-5% above. NOT purchase cashback. 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% (2-3% travel promos only) | Fee: TBD | Type: Debit | Base Rate: 0%
Hardware wallet maker. Now offers both Visa (via Fiat24) and Mastercard. Swiss IBAN (CHF/EUR/USD). Expanded to India, Malaysia, Singapore, UAE. 3% cashback on hotels via Entravel promo (until Mar 2026, then 2%). No cashback on general purchases. Apple/Google Pay. NOT available in US.
Cashback: Up to 10% (Luminaries) | Fee: $0 (Luminaries: $388/yr) | Type: Credit | Base Rate: 0%
Singapore's first stablecoin credit card. Backed by Standard Chartered. Fund with SGD or convert USDT/USDC (Polygon). Merchants paid in fiat. Launched May 2025. Income requirement: S$30K+ p.a. (citizens), S$60K+ (foreigners). Plans for global expansion.
Cashback: Up to 4% | Fee: $0 | Type: Debit | Base Rate: 4%
Stablecoin-native neobank launched Sept 2025. Card issued by Rain (Visa). 10%+ yield on stablecoin balances. Supports USDT initially. $2B deposits on day one. Targets emerging markets (Turkey, Argentina, Africa). Virtual card instant, physical anticipated.
Cashback: 2-8% Points | Fee: $0-$10,000/yr | Type: Debit | Base Rate: 2%
CRITICAL: $KAST token TGE targeted Q2 2026. Season 5: Dec 2025 - Mar 2026 (final points phase). All cards also earn 4% in $MOVE tokens (tradable, capped at $2K/mo spend). Pengu Card line launched Feb 2026 (6-12% via Pudgy Penguins partnership — separate product). Points convert 1:1 to $KAST at TGE.
| Card | Cashback | Annual Fee | Type | Region |
|---|---|---|---|---|
| Bitget Wallet Card | Up to 10% APY staking | Variable | Debit | EU/UK/LATAM/APAC |
| SafePal Card | 0% (2-3% travel promos only) | TBD | Debit | Global (NOT US) |
| DeCard | Up to 10% (Luminaries) | $0 (Luminaries: $388/yr) | Credit | Singapore |
| Plasma One Card | Up to 4% | $0 | Debit | 150+ countries |
| KAST Card | 2-8% Points | $0-$10,000/yr | Debit | 150+ countries |
| E Money Card | 2% crypto | $99 one-time | Credit | 150+ countries |
| Oobit Card | Up to 10% | $0 | Debit | Global (150+ countries) |
| Kolo Card | 2% BTC + 5% welcome | $0 | Debit | 170+ countries |
| Tria Card | 1.5-6% USD | $0 (one-time fee) | Debit | 150+ 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) |
| Amp Black Card | Up to 4% | $0 | Debit | Global |
| Cypher Card | 1-5% + CYPR tokens | $0 (Premium $199/yr) | Debit | 160+ countries |
| Pionex Card | 1% USDT | $0 | Debit | Global (NOT US/China) |
| 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) |
| XPlace Card | 0.5-2% USDC + XP | $0-$5,000/yr | Credit | Global |
| BitMart Card | Up to 5.5% USDT | $0 | Debit | 115+ countries |
| Xapo Card | 0.2-1% BTC | $1,000/yr | Debit | 110+ countries |
| Crypto.com Visa Card | 0-8% CRO | $0 (subscription $4.99-$29.99/mo) | Debit | 90+ countries |
| Revolut Crypto Card | 0% on crypto spend | $0-$16.99/mo | Debit | 48+ countries (NOT US) |
| RedotPay | 0% | $10 virtual / $100 physical | Debit | 150+ countries |
| Tangem Pay | 0% | $0 (wallet $69.90) | Debit | 42 countries (US/LATAM/APAC) |
| Rain Card | 0% | $0 | Debit | 100+ countries |
| Exa Card | 0% | $0 | Credit | 180+ countries |
| THORWallet Mastercard | TITN staking rewards | $0 (one-time ETH fee) | Debit | 100+ countries (NOT US) |
| Jupiter Global Card | TBD | $0 | Credit | Global |
| Avici Card | 0% | $0-75 | Credit | Global (incl EU) |
| OffGrid Cash | 0% | TBD | Debit | Global |
| Wayex Card | 0% | $0 | Debit | 160+ countries (18 for card) |
| CoinW Card | 0% | Variable | Debit | Global |
| Cryptomus Card | 0% | $4 issuance + 3.2% top-up | Debit | Global |
| SolCard | 0-8% | $0 | Debit | Global (150M+ merchants) |
| Zypto Card | ZYP token rewards | $0/mo, $0.30/tx | Debit | Global |
| Payy Card | 0% | $0 | Debit | Global |
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.