NO ANNUAL FEE
Verified Benefit
APPLE PAY
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GOOGLE PAY
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Our Official Verdict
Stablecoin Spending Made Simple: $400/Month Fee-Free
The Bitget Wallet Card is a practical stablecoin off-ramp with broad regional availability. The $400/month zero-fee quota makes it cost-effective for moderate spenders. Beyond the quota, the 1.7% FX fee is steep compared to competitors like {{link:wirex|Wirex}} (0%) or {{link:plutus|Plutus}} (0%).
Fees & Charges
Annual Fee
Free
FX Fee
1.7%
ATM Fee
TBD
Requirements
Supported Regions
EEA, UK, LATAM, APAC
Spendable Assets
USDC, USDT
Bitget Wallet Card Review
The Bitget Wallet Card is a Mastercard prepaid card that enables spending USDC and USDT at any Mastercard terminal, with a $400/month zero-fee quota that refunds both FX and conversion fees within that threshold.
The $400 Zero-Fee Quota: How It Actually Works
The Bitget Wallet Card's defining feature is its $400/month zero-fee quota. Within that quota, all FX and conversion fees on non-USD transactions are fully refunded. Beyond the quota, non-USD transactions incur a 1.7% FX fee - steep compared to competitors.
Monthly quota math at $3,000 spend:
- First $400: 0% fees = $0 cost
- Remaining $2,600: 1.7% FX = $44.20 cost
- Effective rate: $44.20 / $3,000 = 1.47% blended
At $400/month spend (within quota):
- 0% FX, 0% conversion = $0 cost
- This is the sweet spot for light spenders
The quota resets monthly and can increase to $600 during promotional periods.
Spending and Mechanics
- Network: Mastercard (EU/UK via Immersve), Visa (Asia via DCS Card Centre)
- Card type: Prepaid (top-up from Bitget Wallet)
- Assets: USDC and USDT only - no volatile crypto spending
- Virtual card: Instant issuance, $0.10 USDC activation (EU)
- Physical card: Available in select regions
- Mobile wallets: Apple Pay, Google Pay, WeChat Pay, Alipay
The stablecoin-only approach eliminates conversion spread risk. You always know exactly what you are spending - no surprise BTC-to-EUR slippage at the point of sale.
Fee Analysis: The Real Cost
Within $400/month quota:
| Cost Component | Rate |
|---|---|
| FX fee | 0% (refunded) |
| Conversion fee | 0% (refunded) |
| Total | 0% |
Beyond $400/month quota:
| Cost Component | Rate |
|---|---|
| FX fee (non-USD) | 1.7% |
| Conversion fee | Included |
| Total | 1.7% |
Break-even vs competitors:
- Wirex Elite: 0% FX always, but $360/year annual fee
- Plutus: 0% FX, no annual fee, up to 9% cashback
- Bitget Wallet Card: 0% up to $400, then 1.7%
Verdict: If you spend under $400/month on this card, it is genuinely free. Above that, competitors like Plutus and Wirex offer better FX economics.
Limits
| Parameter | Limit |
|---|---|
| Daily spending | $12,000 |
| Annual spending | $150,000 |
| Zero-fee quota | $400/month ($600 promo) |
Regional Availability
The Wallet Card has broader availability than the exchange-linked Bitget Card:
- EEA (30 countries) via Immersve (Mastercard)
- UK via Immersve
- Latin America (10 countries including Brazil, Mexico, Argentina)
- Asia-Pacific (9 countries including Singapore, Thailand, Indonesia)
- China via Fiat24 (virtual only, WeChat Pay and Alipay)
Security and Fraud Protection
Standard Mastercard protections apply. The Bitget Wallet app offers:
- Card freeze/unfreeze toggle
- Transaction push notifications
- Virtual card number for online purchases
- Separate physical and virtual card controls
Being a prepaid card, your maximum exposure is limited to your loaded balance. No overdraft risk.
Who Should Use This Card
Good fit:
- Stablecoin holders who want a simple off-ramp
- Users in LATAM/APAC where other crypto cards are unavailable
- Light spenders ($400/month or under) who benefit from the zero-fee quota
- Users who want Apple Pay + Google Pay with USDC/USDT
Poor fit:
- Heavy spenders (1.7% FX beyond quota is expensive)
- Users wanting cashback (no rewards program)
- Anyone who needs to spend BTC, ETH, or other volatile assets
Competitor Comparison
| Feature | Bitget Wallet Card | Plutus | Wirex Elite |
|---|---|---|---|
| FX fee | 0% ($400 quota) / 1.7% | 0% always | 0% always |
| Annual fee | $0 | $0 | $360 |
| Cashback | None | Up to 9% PLU | Up to 8% WXT |
| Network | Mastercard | Visa | Visa |
| Regions | EEA, UK, LATAM, APAC | EEA, UK | Global |
Sources
Last verified: February 11, 2026
This is a prepaid card. Merchants that require pre-authorization holds (gas stations, hotels, car rentals, toll booths) may decline it. Fund only what you plan to spend.
Your funds are held by Bitget. If the provider faces insolvency, your balance may be at risk. This card does not offer self-custody protection.
Fees shown above are the card's disclosed fees. Additional costs may apply: Visa/Mastercard network spread (typically 0.5-0.9%), crypto-to-fiat conversion spread at point of sale, and blockchain gas fees for on-chain top-ups.
Last verified: Feb 11, 2026 · Data sourced from official Bitget documentation. · Methodology
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