RedotPay Visa Card
High-limit Visa card for international users. Features 1% conversion fees and 1.2% FX markup.
Our Official Verdict
High-Capacity Global Spend: $1M Daily Limit + Instant Visa Payouts
The standard RedotPay card is a global powerhouse. For users who need TBD liquidity and high-capacity spending, it delivers a Free monthly fee model that focuses on utility and reliability over complex rewards programs.
Overview
High-limit Visa card for international users. Features 1% conversion fees and 1.2% FX markup.
Fees & Charges
Annual Fee
Free
FX Fee
1.2%
ATM Fee
2%
Requirements
Supported Regions
GLOBAL, APAC, LATAM, EEA
Spendable Assets
USDT, USDC, BTC, ETH
RedotPay Visa Card Review
The RedotPay Visa Card is a custodial prepaid crypto card designed to let RedotPay users spend digital assets in everyday purchases.
The Utility-First Global Crypto Card
RedotPay positions its Visa card as a pragmatic, globally usable prepaid option. The strongest signal is its published fee table, which provides clearer pricing than most crypto card programs.
Issuance and Replacement Fees (Issuer Table)
RedotPay discloses the following application and replacement costs:
- Virtual card application: $10.
- Physical card application: $100.
- Mailing fee: Waived.
- Virtual card replacement: $5 for the first update, $10 for each subsequent update.
- Account maintenance: Waived (monthly and annual fees).
- Card cancellation: $2 (applies to both virtual and physical cards).
Transaction and FX Fees (Issuer Table)
The fee schedule distinguishes between HKD and USD BINs:
- Non-default currency transaction fee: 1.2% (HKD card) or 2.0% (USD card).
- Transaction fee: 1.0%, described as the cryptocurrency conversion fee.
- Small authorization fee: Waived for the first 5 small transactions per month; $0.20 for each following small transaction.
- Declined transaction fee: Waived for the first 3 declined transactions per month; $0.50 for each following declined transaction.
ATM Fees and Limits (Issuer Table)
ATM fees are tied to monthly ATM volume:
- ATM withdrawal fee: After monthly ATM volume exceeds $10,000, fee is 2% (HKD) or 3% (USD).
Limits listed in the issuer table:
- Per-transaction limit: $100,000.
- Daily limit: $1,000,000.
- ATM daily limit: 23,000 HKD (HKD BIN) or $3,750 (USD BIN).
- ATM monthly limit: 75,000 HKD (HKD BIN) or $50,000 (USD BIN).
- Withdrawal frequency: 3/day, 30/month.
- Regional note: For some regions and countries, USD BIN daily limits are $3,000 and monthly limits are $10,000.
Verdict
RedotPay stands out for publishing a detailed fee and limit table. The card is best suited for users who want a transparent prepaid option and are comfortable managing FX and conversion costs based on their BIN and usage profile.
Fees and break-even math
Annual fee: Not disclosed; FX fee: 1.2% (HKD BIN) or 2.0% (USD BIN); ATM fee: 2% (HKD BIN) or 3% (USD BIN) after monthly ATM volume exceeds $10,000. With a 2% FX fee, $10,000 in non-default currency spend costs about $200. All numeric fee and limit figures referenced above are sourced from the issuer documentation listed below. Source: Issuer fee table.
Competitor comparison
Closest alternatives include the Bybit Card and the Binance Visa Card. Compare custody model, reward caps, and FX treatment before choosing.
