CASHBACK
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SELF CUSTODY SPEND
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STABLECOIN SPEND
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Our Official Verdict
Purple Metal Prestige: Lounge Access + 65% Hotel Discounts
The ether.fi Luxe Card is the sweet spot for active DeFi spenders. With 3%% cashback, a Free annual fee, and premium perks like conference lounge access and 65% hotel discounts, it rewards loyalty without demanding whale-level stakes.
Fees & Charges
Annual Fee
Free
FX Fee
1%
ATM Fee
2%
Requirements
Supported Regions
GLOBAL, US, UK, EEA
Spendable Assets
USDC, ETH, eETH, weETH
ether.fi Luxe Card Review
The ether.fi Luxe Card is the second tier of the ether.fi Cash program, featuring a metal purple Visa with conference lounge access, 65% hotel discounts, and priority support.
The Luxe Sweet Spot
The Luxe tier sits between the free Core and the demanding Pinnacle. It unlocks the perks that most crypto card users actually want - metal card, lounge access, and priority support - without requiring whale-level spending or token holdings.
The threshold: 10,000 Membership Points per month (roughly $3,334 in card spending) or a 15,000 ETHFI stake. For context, that is roughly $70,000 in ETHFI at current prices, so the spending path is more accessible for most users.
Spending and Mechanics
Luxe shares the same self-custodial Visa infrastructure as Core. You borrow against staked ETH or spend stablecoins directly. The differences are physical: a metal purple Wojak-themed card, 5 virtual cards (up from 3), and $50,000/month fiat-to-crypto conversion limit (up from $10,000).
The metal construction and conference lounge access put Luxe in direct competition with the Crypto.com Jade Green (3% cashback, requires $5,000 CRO stake) and the Bybit Standard Card (2% cashback, metal, free). Luxe matches Jade Green's cashback rate while requiring no token lock-up if you reach the points threshold through spending alone.
ROI Analysis: Is 10K Points Worth Chasing?
At 3,000 points per $1,000 spent, you need $3,334/month to hit Luxe. Let's model the value:
| Monthly Spend | Annual Cashback | Lounge Visits (est.) | Hotel Savings (est.) | Total Value |
|---|---|---|---|---|
| $3,500 | $1,260 | $200 (4 visits) | $500 (3 bookings) | ~$1,960 |
| $5,000 | $1,800 | $200 (4 visits) | $500 (3 bookings) | ~$2,500 |
Conference lounge access and 65% hotel discounts are harder to quantify, but if you travel 3-4 times per year and book through the program's hotel partners, the combined value comfortably exceeds what you would get from a comparable metal card.
Fee Analysis: Same Costs, Better Perks
- Annual fee: $0
- FX fee: 1%
- ATM fee: 2%
- Fiat-to-crypto: 0.2% ($50,000/month limit)
The fee structure is identical to Core. The upgrade is entirely in perks: metal card, lounge access, hotel discounts, priority support, and a 5x higher fiat-to-crypto limit. There is no added cost for the tier upgrade - just the spending or staking threshold.
Luxe vs Crypto.com Jade Green
Both target the "mid-tier premium" segment:
| Feature | ether.fi Luxe | Crypto.com Jade Green |
|---|---|---|
| Cashback | 3% | 3% |
| Annual fee | $0 | $0 (with CRO stake) |
| FX fee | 1% | 0% |
| Stake required | None (or 15K ETHFI) | $5,000 CRO locked 12 months |
| Lounge access | Conference lounge | Priority Pass (4/year) |
| Hotel discounts | 65% | None |
| Custody | Self-custodial | Custodial (exchange) |
For self-custody advocates, Luxe wins. For international spenders who need 0% FX, Jade Green is better. For hotel-heavy travelers, Luxe's 65% discount is a unique differentiator no other crypto card offers.
Security and Custody
Same self-custodial model as Core. Priority support is the key upgrade: faster response times for card issues, disputes, and account questions. Conference lounge access is managed through the ether.fi app.
Verdict
The ether.fi Luxe Card is the most compelling mid-tier crypto card for users who can sustain $3,334+/month in spending. The combination of 3% cashback, metal card, conference lounge, and 65% hotel discounts at $0 annual fee is unmatched. The only trade-offs are the 1% FX fee and the monthly points reset that could drop you back to Core.
Best for: Regular spenders ($3,000+/month) who travel and want premium perks without token lock-ups. Look elsewhere if: You spend heavily abroad and need 0% FX - consider Crypto.com Jade Green or Wirex Elite.
Fees and break-even math
Annual fee: $0. FX fee: 1%. ATM fee: 2%. Since the annual fee is $0, the real question is whether your spending hits the 10,000 point threshold. At $3,334/month: $1,200/year in cashback + lounge and hotel perks. The ETHFI staking alternative (15,000 ETHFI) has an opportunity cost based on current token price and alternative yield options.
Competitor comparison
- Crypto.com Jade Green: Same 3% cashback, 0% FX, requires $5,000 CRO stake. Better for international; Luxe better for self-custody and hotel perks.
- Bybit Standard: 2% cashback, metal, free. Lower cashback, no lounge. Simpler but less rewarding.
- Solflare Card: 3% cashback, metal, Solana-native. Different ecosystem; similar value for Solana users.
Sources
FAQ
How do I qualify for the Luxe tier?
Earn 10,000 Membership Points in a calendar month (about $3,334 in card spending) or stake 15,000 ETHFI tokens.
What happens if I don't maintain Luxe requirements?
Tiers are recalculated monthly. If you fall below 10,000 points and don't have the ETHFI stake, you revert to Core at the start of the next month.
Last verified: Feb 9, 2026 - Data sourced from official ether.fi documentation.
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