Best Crypto Cards in Taiwan (2026)

The FSC (Jin Rong Jian Du Guan Li Wei Yuan Hui, Financial Supervisory Commission) regulates crypto under VASP guidelines issued in 2021. All VASPs must register, implement AML/KYC procedures, and comply with Anti-Money Laundering regulations. The FSC has progressively strengthened oversight while maintaining a welcoming stance.

The CBC (Central Bank of the Republic of China) oversees monetary policy and TWD. Taiwan's approach is pragmatic: regulate for consumer protection without banning. The FSC has required exchanges to implement customer asset segregation and third-party custody.

Bybit, OKX, Bitget, and Crypto.com serve Taiwanese users through APAC entities. MaiCoin/MAX is Taiwan's largest domestic exchange (FSC-registered).

Taiwan's FSC is building a comprehensive regulatory framework. VASP registration ensures consumer protection standards.

Taiwan taxes crypto gains as "other income" (qi ta suo de) under the Income Tax Act. The key threshold: if your total other income (including crypto gains) is under TWD 670,000/year, it is exempt from filing and effectively tax-free. Above that, it is taxed at a 20% flat rate for residents.

Example (exempt): Your total crypto gains from card spending are TWD 500,000/year. This is under the TWD 670,000 threshold. Tax = TWD 0.

Example (taxable): Your total crypto gains are TWD 1,000,000/year. The gains above the threshold are taxed at 20% = TWD 200,000.

Stay under TWD 670,000 in annual crypto income for tax-free spending. Above that threshold, stablecoin funding minimizes gains. For most card users with moderate spending, the exemption covers typical annual cashback + gains.

Taiwanese crypto card applications require a Zhonghua Minguo Guomin Shenfen Zheng (ROC national ID card) for citizens, or ARC (Alien Resident Certificate) plus passport for foreign residents. The Tongyi Bianhao (Unified ID Number) on the national ID is the primary identifier.

Proof of Taiwanese address via utility bill (dian fei/shui fei dan), bank statement (zhang hu mingxi), or household registration transcript (hu ji teng ben). FSC-registered exchanges have established KYC for Taiwanese residents.

Physical cards ship to Taiwanese addresses within 7-14 business days. Virtual cards are available immediately for Apple Pay and Google Pay use.

TWD 670,000 Threshold: Plan Your Annual Spending

If your total "other income" (including crypto gains from card spending) stays under TWD 670,000/year, you pay zero tax. At 8% cashback on TWD 50,000/month spending, annual cashback is TWD 48,000 and gains depend on your crypto's appreciation. Most moderate card users will stay under the threshold. Above it, stablecoin funding minimizes taxable gains.

Card Selection by Use Case

• Bitget (8% cashback, free): Best all-around card, zero FX fee critical for TWD users
• Bybit (up to 10% VIP): Best for high-volume Bybit traders
• Crypto.com (up to 5%): Best for lounge access at TPE (Taoyuan) and TSA (Songshan)
• KAST (2% cashback, free): Best no-fee starter card

Spending Scenario: TWD 50,000/month (~$1,550)

TWD 48,000/year covers 2 weeks of groceries at PX Mart or Carrefour Taiwan, or 80+ night market meals.

FX Is Critical for TWD Users

TWD is not pegged to USD. Cards with 0% FX fees save 1.5-2% per transaction versus Cathay United or CTBC debit cards. On TWD 50,000/month, that is TWD 9,000-12,000/year in FX savings.

Local Payment Infrastructure

Card acceptance is strong in Taipei, Kaohsiung, and Taichung. Contactless Visa/Mastercard works at 7-Eleven, FamilyMart, PX Mart, department stores, and modern restaurants. EasyCard and iPASS handle public transport (MRT, bus). LINE Pay and JKoPay handle mobile payments (app-only). Night markets and traditional shops still prefer cash. Apple Pay is well-supported.

APAC exchange cards: Bybit (up to 10% VIP), OKX (5%), Bitget (8%), and Crypto.com (up to 5%) serve Taiwanese users through APAC entities.

Globally available: KAST, xPlace, and RedotPay may be accessible under worldwide coverage.

Domestic exchanges: MaiCoin/MAX (largest, FSC-registered), BitoPro (Taiwanese-founded), and ACE Exchange serve the local market. None offer Visa/Mastercard spending cards in our comparison.

Self-custody options: Bleap (2%, free) and Tria (up to 6%) offer self-custody spending for Taiwanese users.