PHYSICAL CARD
Verified Benefit
NO ANNUAL FEE
Verified Benefit
APPLE PAY
Verified Benefit
Our Official Verdict
The Tangible Off-Ramp: Physical Visa + ATM + $1M Daily Limits
The RedotPay Physical Card adds ATM access and in-store chip payments to RedotPay's high-limit infrastructure. At $100 issuance and Free annual fee, it is built for users who need cash withdrawals alongside digital spending across 130M+ merchants.
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 Physical Card Review
The RedotPay Physical Card is a custodial prepaid physical Visa card with ATM access, chip payments, and $1M daily spending limits for high-volume crypto users.
The Tangible High-Limit Off-Ramp
The RedotPay Physical Card adds ATM withdrawals and in-store chip payments to RedotPay's high-limit infrastructure. At $100 one-time issuance, it is designed for users who need cash access alongside digital spending.
Fee Structure (Issuer Table)
The Physical Card shares the same base fee structure as the Virtual Card with the addition of ATM fees:
- Crypto conversion fee: 1.0% on all spending.
- FX markup: 1.2% for non-default currency transactions.
- Annual/monthly fee: $0. No maintenance charges.
- One-time issuance: $100.
- ATM withdrawal fee: 2% after monthly ATM volume exceeds $10,000.
- Card cancellation: $2.
Limits
The same industry-leading limits as the virtual card, plus ATM access:
- Per-transaction limit: $100,000.
- Daily card limit: $1,000,000.
- ATM daily limit: $3,750.
- ATM monthly limit: $50,000.
- ATM frequency: 3 withdrawals/day, 30/month.
Verdict
The RedotPay Physical Card is the upgrade for users who need ATM cash access on top of RedotPay's $1M daily spending capacity. The $100 issuance fee is steep compared to the $10 virtual card, but the ability to withdraw up to $50,000/month from ATMs globally makes it a practical tool for users who regularly need physical cash alongside digital payments.
Fees and break-even math
Annual fee: $0. FX fee: 1.2%. Crypto conversion: 1.0%. Issuance: $100 one-time. ATM: 2% after $10K/month. The $100 issuance premium over the virtual card ($10) pays for itself if you use ATMs regularly. At 2% ATM fee, a $5,000 cash withdrawal costs $100 in fees. All numeric fee and limit figures referenced above are sourced from the issuer documentation listed below. Source: Issuer fee table.
Competitor comparison
For ATM access, compare against the Bybit Card (free ATM up to limits) and the Crypto.com cards (free ATM on higher tiers). RedotPay's advantage is no staking requirement and higher spending limits.
Sources
Last verified: Feb 9, 2026 - Data sourced from official RedotPay documentation.
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