RedotPay card
Freelancers and travelers spend stablecoins like BTC or USDT at any Visa merchant, no bank or exchange sale needed.
RedotPay Card Fees, Limits And Supported Stablecoins
What is RedotPay card?
RedotPay Card is a Visa prepaid card that lets you spend crypto like USDT, USDC, or BTC directly at any Visa merchant, converting your balance to fiat at checkout while your funds stay in a custodial wallet.
Ready to try RedotPay card?
Open the official site and get started in a few clicks.
RedotPay card Overview
The RedotPay Card is a Visa prepaid debit card built into the RedotPay app. You load crypto or stablecoins into a custodial wallet inside the app, and when you pay a merchant, RedotPay converts your chosen asset into fiat at the moment of the transaction. The merchant sees a normal Visa payment. Nothing about crypto shows up on their end. You can get a virtual card in minutes for online spend, or order a physical card for stores and ATM withdrawals.
This card fits a specific type of person. Freelancers who get paid in USDT, traders who hold BTC or ETH, remote workers, and travelers who want to spend crypto without selling it on an exchange first and waiting for a bank transfer to clear. It also works well if you live somewhere with slow or limited local banking but Visa is accepted everywhere. It is not built for US residents (the consumer card is blocked there), and it is a bad match if cashback is your main reason for wanting a card, since the base card pays none. If you refuse to hand custody of your funds to a third party, this is not for you either.
Funding works through on chain deposits. You send supported assets, USDT, USDC, BTC, ETH, SOL, BNB, TRX, XRP, TON, SUI and a few others, on networks like Ethereum, Tron, BNB Smart Chain, Polygon, Arbitrum, or Solana. Match the token and network shown on the deposit screen exactly, because sending on the wrong chain can lock your funds. Deposits are free on RedotPay's side, though you still pay network gas. Once your balance sits in the wallet, you can also top up by bank card or through Binance Pay if you prefer not to move crypto directly.
Spending is where the card earns its keep. Getting a virtual card costs a one time 10 USD issuance fee after KYC, and it works for online checkout, subscriptions, and travel bookings. A physical card costs 100 USD one time, with shipping included, and adds tap, chip, and ATM cash withdrawal. Where the region allows it, both card types can go into Apple Pay or Google Pay, so you tap your phone instead of carrying plastic. Behind the scenes, RedotPay charges a 1 percent conversion fee to turn your crypto into spendable fiat, plus a 1.2 percent FX markup if you're buying in a currency that isn't the card's default. ATM cash pulls a 2 percent fee up to a monthly threshold, then 3 percent past it, and the ATM operator may add its own charge on top. There's no monthly or annual fee on the standard card, so your only ongoing cost is what you actually spend.
What sets this card apart from a normal crypto debit card is the ceiling. Published limits run as high as 100,000 USD per purchase and 1,000,000 USD per day, well above what most crypto card programs allow. You also get to pick which asset pays at checkout, so a stablecoin balance protects you from price swings while a volatile coin like SOL or ETH converts at the live rate when you tap. If you want cashback, RedotPay sells an optional paid membership called Pro, priced around 12.90 USD a month or 129 USD a year, which adds a small percentage back on Apple Pay and Google Pay spend up to a monthly cap. Base users get none of that, which is worth knowing before you order the card expecting rewards.
RedotPay card Key features
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Virtual card in minutes
Issued after KYC for a one time 10 USD fee, ready for online checkout and subscriptions right away. No need to wait on plastic to arrive.
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Physical card option
Costs a one time 100 USD fee, shipping included in standard terms. Adds chip, tap, and ATM cash withdrawals on top of online spend.
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High spend limits
Public reviews cite up to 100,000 USD per purchase and 1,000,000 USD per day. ATM cash is capped lower, around 3,750 USD a day on a USD BIN.
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Multi asset wallet
Hold USDT, USDC, BTC, ETH, BNB, SOL, TRX, XRP, TON, SUI and Sonic S in one wallet and pick which one pays at checkout. Stablecoins avoid price swings, volatile coins convert at the live rate.
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Apple Pay and Google Pay
In supported regions you can add the card to your phone and tap to pay, so you are not stuck carrying plastic.
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RedotPay Pro cashback
A paid membership (around 12.90 USD monthly or 129 USD yearly per review sites) unlocks 3 percent cashback on Apple Pay or Google Pay spend, capped monthly, plus waived virtual card issuance. Base cards get no cashback.
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No monthly or annual fee
The standard card charges nothing to hold. You only pay for issuance, conversion, FX, and ATM use.
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Wide network support
Fund the wallet over Bitcoin, Ethereum, Tron, BNB Smart Chain, Polygon, Arbitrum, Solana, TON, Sui, and more, so you can pick a cheap and fast chain for deposits.
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In app spend controls
Freeze or unfreeze the card, set a PIN, get transaction alerts, and choose which asset pays first, all from the app.
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Custodial security setup
RedotPay does not give you the keys. It cites Fireblocks style MPC infrastructure and Cactus Custody, a Hong Kong licensed trust company, with insurance coverage reported up to 50 million USD.
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Broader payments app
The card sits inside an app that also does on chain deposits, swaps, stablecoin Earn yield, P2P trading, and payouts to banks or e wallets in some corridors.
RedotPay card Fees
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Virtual card issuance A virtual card costs 10 USD one time, and this fee is generally non refundable.
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Physical card issuance A physical card costs 100 USD one time, with shipping usually included on standard mail.
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Crypto conversion fee RedotPay charges 1 percent when it converts your crypto to cover a card payment or ATM cash.
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FX markup A 1.2 percent markup applies when you spend in a currency other than the card default (often USD or HKD), so a non default currency spend can cost about 2.2 percent in total.
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ATM withdrawals ATM cash costs 2 percent of the withdrawal on typical USD card terms up to a monthly threshold (often 10,000 USD), then 3 percent above that, plus any fee the ATM operator adds and the 1.2 percent FX charge on foreign currency cash.
RedotPay card Supported networks
Bitcoin
Ethereum
Tron
BNB Chain
Polygon
Arbitrum
Solana
TON
Sui- XRP Ledger
How to use RedotPay card
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Create your account
Download the RedotPay app on iOS or Android and sign up with a supported phone number or email.
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Verify your identity
Complete KYC inside the app before you fund anything. The service is not available in every country, so check availability first.
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Fund your wallet
Send a supported crypto asset on the matching network to the deposit address the app shows, or top up through in-app purchase, Binance Pay, or another listed rail. On-chain deposits carry no fee from RedotPay, but you still pay network gas.
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Issue your card
Open Card and pick virtual (10 USD, ready in minutes) or physical (100 USD, shipping included). The fee is pulled straight from your balance.
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Activate and add to your phone
If you chose physical, enter your shipping address, wait for the card to arrive, then activate it in the app before you tap or pull cash. Add either card to Apple Pay or Google Pay if your region supports it.
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Set limits and pay
Choose which asset spends first and tighten limits if you want. Then pay at any Visa merchant or withdraw at a compatible ATM with the physical card. Check the in-app receipt afterward to see the merchant name and what you were charged.
RedotPay card Demo video
RedotPay card Screenshots
RedotPay card User Reviews
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Try @RedotPay , I use them for the past 3 years averaging 250k\year in spending.
View on X ↗
750k$ used in the past 3 years 0 issues.
They also give you your own IBAN. -
Just withdrew cash using @RedotPay card.
View on X ↗
Worked super smoothly. After receiving the card, I had to set a card PIN using the mobile app. While withdrawing, you just enter that PIN and the rest works like a normal debit card.
One thing to note, there's an extra charge since it's treated as a foreign card.
For my case, I withdrew ₹10,000 and got charged ₹200 (ICICI ATM). I guess this may vary depending on the bank.
This is on top of the withdrawal amount, so total deducted was ₹10,200.
Conversion came around 1 USDT = ₹89.80.
Overall, pretty happy with it. Might make this my default way to withdraw cash from ATM.
Btw, this isn't a paid promo. Bought the card myself and just sharing my experience since this is new to me. -
One of the issues I've had with crypto is converting to local currency
View on X ↗
I've used so many shitty products and it just makes sense to try out something good
@RedotPay is literally one of the best when it comes to conversion and quick access to funds
I've had no regret so far
RedotPay card Review
Pros
- The virtual card is ready to spend minutes after KYC clears, for a one time 10 USD fee.
- Published limits go up to 100,000 USD per purchase and 1,000,000 USD per day, far above typical crypto cards.
- You choose which coin pays at checkout, so stablecoins like USDT or USDC avoid price risk while BTC, ETH, SOL and others still work.
- There is no monthly or annual fee, so cost is limited to issuance and per transaction charges.
- On chain deposits carry no fee from RedotPay, you only pay the network gas.
- Apple Pay and Google Pay work in supported regions, so you can tap to pay without carrying the physical card.
- Custody runs through Cactus Custody, a Hong Kong licensed trust company, with insurance reported up to 50 million USD.
- The app bundles swaps, Earn yield, P2P trading and payouts, so the card sits inside a wider payments toolkit instead of standing alone.
Cons
- A physical card costs 100 USD upfront, far more than most crypto cards charge.
- Converting crypto and spending in a foreign currency stacks to about 2.2 percent per purchase.
- ATM cash withdrawals cost 2 to 3 percent plus possible operator fees, making cash the priciest way to use the card.
- There is no cashback unless you pay extra for the 12.90 USD monthly Pro membership.
- The card is not available to US consumers, cutting off a large chunk of potential users.
- RedotPay holds your crypto in a custodial wallet, so you never control the private keys.
- Trustpilot reviews average around 2.7, with recurring complaints about frozen balances and slow support.
- Sending crypto on the wrong network can lock your funds and may require a paid recovery process.
Our verdict
RedotPay works if you already sit on stablecoins and just need a Visa card that spends them, nothing fancier. The real cost is not the missing cashback, it is the stack: 1% conversion plus 1.2% FX adds up to about 2.2% on most purchases, and ATM cash runs 2-3% before the machine's own fee. That is closer to 4% all-in on cash, based on user reports from the UAE. It suits freelancers and travelers paid in crypto who live somewhere with weak banking, not people chasing rewards or US residents, since the card is not available there. I would rethink this only if RedotPay lowered that FX markup or fixed its support record, because a 2.7 Trustpilot score next to frozen-account complaints is not nothing. Keep balances small and treat it as a spending wallet, not savings, since custody sits with RedotPay and not with you.
RedotPay funding
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Founded by RedotPay was co-founded by Michael Gao, who previously worked in institutional banking at DBS and later in crypto infrastructure, and Jonathan Chan, who leads partnerships.
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Seed - Date not published RedotPay raised about 3 million USD in seed funding, but the lead investor is not named in the raw data.
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Series A - Date not published RedotPay raised 40 million USD in a Series A led by Lightspeed Venture Partners, with HSG and Galaxy Ventures among the participants.
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Strategic round - Date not published RedotPay raised 47 million USD in a strategic round with Coinbase Ventures, Vertex Ventures and Galaxy Ventures named among the participants, but the lead investor is not identified.
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Series B - Date not published RedotPay raised 107 million USD in a Series B led by Goodwater Capital, with Pantera Capital, Blockchain Capital, Circle Ventures and existing backers participating.
Is RedotPay card safe & legit?
RedotPay is run by Red Dot Technology Limited, based in Hong Kong, and co-founded by Michael Gao (ex-DBS banking) and Jonathan Chan, with backers like Lightspeed, Goodwater Capital, Pantera and Coinbase Ventures behind it, so it is a real, funded company rather than an anonymous card mill. Your balance is custodial, RedotPay holds the keys through Cactus Custody and MPC infrastructure, so you are trusting the company, not self-custody. No major hacks or scam reports stand out, but Trustpilot scores sit low (around 2.7) with recurring complaints about frozen balances and slow support, so treat it as a spend wallet you top up as needed, not a place to park savings.
X account intel @RedotPay
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Based in Hong Kong
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Joined X July 2023 3 years ago
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Username changes 2 renames last on Jan 25, 2024
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Signup source Web
Public profile signals from X. Use as one input alongside other due-diligence.
Security scan checked Oct 16, 2026
- Google Web Risk Not flagged
- MetaMask Not flagged
- Phantom Not flagged
- ScamSniffer Not flagged
- EtherAddressLookup Not flagged
- Keplr Wallet Not flagged
Domain wap.redotpay.com checked against Google's lists of unsafe sites and public crypto wallet blacklists.
RedotPay card Updates
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That’s a wrap on @SuiNetwork Sui Basecamp! 💧
Thanks to everyone who stopped by the RedotPay booth to meet the team, chat, and pick up some merch.
Until next time!
- 1 replies
- 5 reposts
- 28 likes
- 3.1K views
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Just your favorite crypto card taking over your timeline.
- 3 replies
- 8 reposts
- 72 likes
- 4.4K views
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🎉 Three years of RedotPay, celebrated together.
A look back at our anniversary night at the Red Dot Design Museum.
Spot yourself? Tag who you came with and share your favourite moment.
Here’s to year four, with you.- 6 replies
- 6 reposts
- 54 likes
- 3.9K views
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As the crypto world gathered for #TOKEN2049, stablecoin spending came with it.
RedotPay card spend at local merchants jumped 17.8% week over week.
How we pay says a lot about where the industry is going.
- 4 replies
- 8 reposts
- 72 likes
- 5.4K views
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Congrats to our winners on winning 1,000 points! 🎉 Please check your DMs and send us your RedotPay UID to claim your reward.
@FeFi2023
@CryptoEarnClub
@elonmoiste
@tazulOfficial
@Kaisollax- 2 replies
- 2 reposts
- 6 likes
- 580 views
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Three years of RedotPay. One week to remember.
We celebrated at TOKEN2049 with the users, partners, and community who made it possible.
Take a look back at the highlights 👇- 7 replies
- 7 reposts
- 47 likes
- 4.7K views
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Monday essentials: 8 hours of sleep, a proper breakfast, strong coffee, and RedotPay.
- 4 replies
- 1 reposts
- 41 likes
- 4.4K views
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Grateful for an inspiring Payments Builders Night co-hosting with @StraitsX , @monad and @aveniaio.
🤝 Huge thanks to everyone sparking fresh ideas & collaborations. Excited to shape the future of digital payments together!
- 2 replies
- 4 reposts
- 47 likes
- 4.2K views
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🔴🐵 Little Red Dot, big lunch.
Thank you to @MonkeDAO for co-hosting our first MonkeLunch.
Good local food and even better conversations. More to come at @Solana Breakpoint.
- 2 replies
- 7 reposts
- 50 likes
- 5.4K views
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3 years down. 🎂
Thank you to everyone who celebrated RedotPay's anniversary with us at the Red Dot — the conversations, bingo, and cake made it one to remember.
Here's to the next chapter.
- 5 replies
- 6 reposts
- 80 likes
- 4.8K views
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Keep RedotPay close. 💳
Put your stablecoins to use every day.
- 11 replies
- 7 reposts
- 108 likes
- 5.6K views
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🌍 RedotsClubX Asia kicks off today at a beachfront resort.
Great to see the community connecting, sharing, and enjoying time together.
This is @RedotsClub at its best.- 3 replies
- 10 reposts
- 63 likes
- 4.8K views
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We’re partnering with @NiumGlobal to help your stablecoins go further.
Together, we’ll expand local currency payouts into more markets, bringing more possibilities to everyday life.- 5 replies
- 8 reposts
- 75 likes
- 5K views
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🇲🇽 SPEI is now available on RedotPay
Add MXN to your RedotPay account with SPEI. Use it to deposit supported local currencies or buy USDT and USDC.- 7 replies
- 4 reposts
- 43 likes
- 5.4K views
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🎉 Celebrating 3 years of RedotPay with the community that got us here.
Invite friends to earn weekly rewards and compete for a top-30 leaderboard reward*, with up to $2,160 up for grabs in total!
⏰ Ends November 1. Terms apply.
👉 Head to the app and start inviting.
*Only for eligible participants
- 12 replies
- 17 reposts
- 117 likes
- 8.8K views
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Connect a supported Web3 wallet and add funds to your RedotPay account in one tap.
No more copying wallet addresses to make a top-up. Funds arrive in seconds, ready to spend.
See it in action 👇- 14 replies
- 17 reposts
- 143 likes
- 11.1K views
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📱Redeem points for prize draw entries and stand to win an iPhone Duo or 18 Pro Max!
What should we add next? Comment your pick for a chance to win 1,000 Points.
To enter:
1️⃣ Like & Comment
2️⃣ Send this post to 2 friends
⏰ Ends Oct 10, 23:59 UTC
⚠️ Eligible users only. Terms apply.
- 145 replies
- 104 reposts
- 269 likes
- 12K views
RedotPay card Reviews & Comments
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Open the official site and get started in a few clicks.
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