A data-driven comparison of every crypto debit and credit card available in Singapore, ranked by estimated net annual value after fees, with regulatory standing noted.
Singapore is thinner than its fintech reputation suggests. Among cards that name Singapore in their own terms, Ethena Pay Spend Card leads at roughly $960 a year net on $2,000 a month of spending, and Ether.fi Cash is next at about $480. OKX looks stronger on paper but pays card cashback in Singapore only to Accredited Investors, so most readers earn nothing on it. Cards further down with larger figures reach Singapore as globally-available cards without naming it, which is flagged on each entry: their rates are not confirmed for this market.
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.
Plenty of cards reach Singapore; few pay for it. There is a homegrown option in DeCard, backed by Standard Chartered and supporting direct SGD funding, alongside global players like Crypto.com and RedotPay that serve 90+ countries, and APAC-focused cards such as Bitget Wallet Card and SafePal. The catch is rewards rather than access: several of these pay no cashback to Singapore residents at all, and OKX, which advertises the highest rates here, restricts its card cashback to Accredited Investors. That is why the ranked list below is short and why availability alone is a poor way to choose.
A key advantage for Singapore residents: there is no capital gains tax on cryptocurrency, making cashback rewards especially valuable compared to other jurisdictions. Cards that name Singapore in their own terms are listed first, then every card by estimated net annual value at $2,000 a month of spending, after fees, on the tier you get without staking or a paid upgrade. Where a card that names Singapore sits above a globally-available card with a larger figure, its entry carries a Names Singapore marker.
Best forSpending straight from a wallet you control
Watchcashback capped at about $100/mo; rewards stop above $2500/mo of spend; full identity verification required
Best forEarning rewards without pre-funding the card
Watchrewards stop above $2000/mo of spend
Best forEarning rewards without pre-funding the card
Watchfull identity verification required
Best forEveryday spending in Africa/EEA/LATAM/SEA (46 countries)
WatchSingapore is not named in this card's own terms, so availability and the rate are not confirmed there; cashback capped at about $150/mo; conversion cost not published, 1.5% assumed; full identity verification required
Best forEveryday spending in APAC + EU/EEA
WatchSingapore is not named in this card's own terms, so availability and the rate are not confirmed there; cashback capped at about $100/mo; full identity verification required
Want the full list? Jump to the full comparison table →
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, RedotPay, KAST (170+ countries), and Oobit (150+ countries with strong SEA presence) also work in Singapore. Veera, a Singapore-based neobank, has announced a card but is still in waitlist phase.
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). This is consistent with Singapore's strong regulatory framework for digital payment tokens under the Payment Services Act (PSA).
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. However, if you trade crypto professionally or it constitutes a business activity, gains may be treated as taxable income. IRAS (Inland Revenue Authority of Singapore) treats crypto as intangible property, consult a local tax advisor for your specific situation.
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. Some cards like Crypto.com also support fiat top-ups including SGD through their app. Check each card's supported funding methods.
The Monetary Authority of Singapore regulates crypto services under the Payment Services Act (PSA). Card issuers operating in Singapore need a Major Payment Institution or Standard Payment Institution license. MAS has been progressive but firm, allowing innovation while enforcing consumer protection. In 2024-2025, MAS tightened rules on retail crypto marketing and custody requirements, and from 30 June 2025 Singapore-based digital token service providers serving only overseas customers must hold a MAS licence or stop, a licence MAS said it would generally not grant. Cards from licensed providers (like DeCard, backed by Standard Chartered) offer the strongest regulatory protections.
Every active crypto card available in Singapore, side by side. Cards explicitly mentioning Singapore are listed first, then sorted by estimated net annual value.
| Card | Cashback | Annual Fee | Type | Region |
|---|---|---|---|---|
| Ethena Pay Spend Card | 4-5% AVAX | $0 | Credit | 49 countries (not US/EU/UK at launch) |
| Ether.fi Cash | 3-4% ETHFI | $0 | Credit | US (30 states + DC)/EU/UK/HK/UAE/Singapore/LATAM + more |
| Hyperbeat Card | 0.2-1% WHYPE | $0 | Credit | Americas/APAC/Africa/Europe (35 US states) |
| Avici Card | 0% | $0-75 | Credit | Americas/APAC/Africa (30 US states) |
| DeCard | 2-10% (10% only above US$5,000/mo) | $0 (Luminaries: $388/yr) | Credit | Singapore |
| OKX Card | 2-10% USDG | $0 | Debit | EEA/Brazil/Venezuela/SG +8 more |
| Kite Card | 0-5% (categories only) | $0 | Debit | 9 APAC countries (NOT US) |
| Bitget Wallet Card | 2-3% assetback | $0 | Debit | EU/UK/LATAM/APAC/Africa |
| Crypto.com Visa Card | 0-5% CRO | $0 (subscription $4.99-$29.99/mo) | Debit | 90+ countries |
| dtcpay Digital Treasures Card | 0% | $0 | Debit | Singapore (Global acceptance) |
| Fasset Card | 0% (OWN Points) | $0 (9.99 USDT one-time activation) | Debit | 36 countries (APAC/Africa/Caribbean; UAE and GCC excluded) |
| SafePal Card | 0% (2-3% travel promos only) | $0 | Debit | Global (NOT US) |
| Sovrae Card (flagged) | None | $0 (one-time $89 virtual / $249 physical) | Debit | Global (excl. sanctioned countries) |
| MiniPay Card | Up to 5% | $0 | Debit | Africa/EEA/LATAM/SEA (46 countries) |
| MEXC Card | 4-10% USDT | $0 | Debit | APAC + EU/EEA |
| BingX Card | 2-5% | $0 | Debit | ~65 territories (allow-list) |
| Lava Card | 1-5% BTC | $0 | Credit | Global (US focus) |
| Tangem Pay | 1-2% USDC | $0 (wallet $69.90) | Debit | 150+ countries |
| Jupiter Global Card | 2-4% USDC | $0 | Debit | Global |
| Kem Infinity Card | 2-5% XAUT | $0 | Debit | 100+ countries, Middle East focus |
| Plasma One Card | 2-10% XPL | $0-$199/yr or XPL lock | Debit | 150+ countries (NOT US) |
| XPlace Card | 1-4% USDC + XP | $0-$999/yr (Silver $99) | Credit | Global excl. 17 countries + 16 US states |
| Tria Card | 1.5-6% USDT | $0 / $109 / $250 per year | Debit | 150+ countries |
| Cashi Card | 1-3% | $0 | Debit | 100+ countries (NOT US) |
| KAST Card (flagged) | 1.5-3% USD (+ KAST Points) | $0-$10,000/yr | Debit | 170+ countries |
| Pengu Card | 1.5-3% USD | $0-$10,000/yr | Debit | 170+ countries |
| DPT Card | 0% | $0-$10,000/yr | Debit | Global (excl. US citizens + 17 countries) |
| Karma Card | Points-based | $0 | Debit | Global (excludes sanctioned countries; Kosovo excluded for cards) |
| Karta Card (flagged) | Points-based | $0 | Debit | Europe, APAC, LATAM, Middle East (not US) |
| Floki Card | 0% | €10-€32 one-time | Debit | 31 European (physical) / worldwide (virtual) |
| Exa Card | 0% | $0 | Credit | 160+ countries |
| Revolut Crypto Card | 0-1% on crypto spend | $0-$16.99/mo | Debit | 48+ countries (NOT US) |
| Pionex Card | 0.1-1% USDT | $0 | Debit | Global (NOT US/China) |
| E Money Card | 0% | $99 one-time | Credit | 187 countries (NOT US/Canada) |
| Kolo Card | 1% BTC + 2% welcome | $0 | Debit | 60+ countries |
| CoinZoom Card | 0.5-5% ZOOM | $0 | Debit | 150+ countries (NOT EU residents) |
| Oobit Card | Up to 10% | $0 | Debit | Global (most countries, 22 exclusions) |
| Tevau Card | Points (Lucky Box) | $0 | Debit | 200+ countries |
| RedotPay | 0% | $10 virtual / $100 physical | Debit | 100+ countries |
| BYDFi Card | 0% | $12/yr | Debit | Global (excl. US/China/Russia) |
| Agora Card (flagged) | None | $0 ($90 virtual or $500 physical, one-time) | Debit | Global excluding sanctioned and high-risk jurisdictions |
| Bing Card (flagged) | 0% | $0 | Debit | Global (NOT US) |
| BIX Card | 0% | $0 (card $9.99) | Debit | 99 countries (31 US states) |
| Fiat24 Debit Card | None | $0 | Debit | Global (US, Iran, North Korea and Russia excluded) |
| Fizen Card | 0% (FiPoints) | $0 ($1.50/month if monthly spend is under $500) | Debit | Global excluding 42 countries (SEA focus: Vietnam/Philippines QR Pay) |
| GoMining Card | TBD | $0 | Debit | 130+ countries (excl. sanctioned) |
| Kripicard (flagged) | None | $0 | Debit | 170+ countries |
| Payy Card | 0% | $0 | Debit | Global |
| PEXX Card | None | $0 | Debit | Global, with unspecified regional limits |
| Rain Card | 0% | $0 | Debit | 220+ countries (partner-dependent) |
| THORWallet Mastercard | 0-0.5% USDC | $0 (one-time ETH fee) | Debit | 175+ countries (incl. US) |
| UPay Card | None | $0 | Debit | 168 countries |
| Wallbit Card | None | $0 (card); optional Pro $9/mo or Max $19/mo account plans | Debit | LATAM-focused US dollar account; card usable in 180+ countries |
| Wayex Card | 0% | $0 | Debit | 160+ countries (28 for card) |
| xKard (flagged) | 0% | $0 (subscription $9-$49/mo) | Debit | Global (excl. US + sanctioned) |
| Zypto Card | ZYP token rewards | $0/mo, $0.30/tx | Debit | Global |
| Freedomia Card (flagged) | None | $60/yr ($5/mo Founder tier) | Debit | Global |
| Based Card | 0-4% $BASED | $20/yr (Orange tier) | Debit | Global excluding sanctioned regions |
| Rizon Card | 0-5% by tier | $0 | Debit | 122+ countries (US/LATAM focus) |
| OffGrid Cash (flagged) | 0% | $49-$299/yr (mandatory tier subscription) | Debit | Global |
| BenPay Card | 0% | $0 UnionPay (promotional) / $2 per month Mastercard | Debit | Global (200+ countries) |
| Keytom Card (flagged) | None | $10/mo (per card; $20/mo with both virtual and physical active) | Debit | 150+ countries |
| Pinto Pay (flagged) | None | $0 | Debit | Global (NOT US) |
| SolCard (flagged) | 0% | $0 | Debit | Global (150M+ merchants) |
| Baanx / Ledger CL Card | 1-2% | $0 | Debit | US/UK/EU/LATAM/Canada |
| Trocador Prepaid Cards (flagged) | None | $0 (about $2.50/month per card from month 3 on international Mastercard) | Aggregator | Global (incl. US) |
| Cryptomus Card | 0% | $4 issuance + 3.2% top-up | Debit | Global |
| Goblin Card (flagged) | None | $0 ($350 one-time for a physical Mastercard plus a virtual Visa) | Debit | Worldwide |
| Laso Finance Card (flagged) | None | $0 | Debit | Global (~189 countries, incl. US) |
| Kardpay (flagged) | 1-2% ($KDY staking) | $0 (one-time card fee $29-$299 by product) | Debit | Global (180+ countries claimed) |
| MaxSwap Virtual Card (flagged) | None | $0 | Debit | Global (excl. sanctioned states; US unconfirmed) |
| Xapo Card | 0.2-1% BTC | $1,000/yr | Debit | 110+ countries |