DeCard
Issued via DCS Card Centre · Card currency SGD, USD
- Custody
- Custodial
- Network
- Visa
- Card types
- Virtual + physical
- Card product
- Credit
- Wallets
- Apple Pay, Google Pay
Shipping countries are not published.
Partly verified · 7 of 12 key facts · last checked 15 Oct 2026 · aging
Facts reviewed by Andrew L.
Review
What it is
DeCard is a crypto card that comes as a virtual and a physical card. It is a credit card. It is issued by DCS Card Centre. Payments run on the Visa network. The card currencies are SGD, USD.
Funding and spending
The company holds your balance, and the card spends from it. It can be funded with crypto or with fiat money. You can top it up by crypto and bank transfer. You can reload it after the first load. It can be funded with 2 assets: USDC and USDT. Top-ups are accepted on 5 blockchain networks, including Base, Ethereum, Polygon, Solana and 1 more.
Fees
It has no annual fee. The foreign currency fee is 1.8%. The FX markup is 0%. The ATM withdrawal fee is 1%. Some of these fees have conditions, which are listed in the fees table on this page. We have not verified the card issuance fee, monthly fee, crypto conversion spread and top-up fee yet.
Limits and rewards
You can withdraw cash at ATMs. It works with Apple Pay and Google Pay.
Signing up
Signing up needs full KYC: a government ID document, and sometimes a selfie.
How we check
We last checked this card on 15 Oct 2026, against 4 official issuer pages. The tables below show the source and the check date of every value we have verified. Facts not listed here are unknown so far.
Pros and cons of DeCard
Pros
- No annual fee
- Works with Apple Pay and Google Pay
- Comes as a virtual and a physical card
Cons
- Foreign exchange fee: 1.8%
- Custodial: the issuer holds your funds
- 5 of 12 key facts are not verified yet
Built only from facts we have verified. Anything we have not verified is left out.
Fees
Amounts in the card currency, as the issuer publishes them?
?
?
Limits
Rewards
We don't know the rewards for this card yet. We never assume a card has none.
Top-up assets and networks
Access and funding
Where it's available
Applying for the card and using it are tracked separately.
Shipping countries are not published, so there is no shipping column.
Rules the issuer states
- Spend anywhere Visa is accepted, online and in store, with low FX fees.Checked 03 Oct 2026agingsource
Every country below was checked against the same source:Checked 03 Oct 2026agingsource
No country matches your search.
No information for 5 countries yet
Frequently asked questions about DeCard
Who issues DeCard?
DeCard is issued by DCS Card Centre. Payments run on the Visa network.
Is DeCard a virtual or a physical card?
DeCard comes as both a virtual and a physical card.
Can I withdraw cash from an ATM with DeCard?
Yes. You can withdraw cash at ATMs. The ATM withdrawal fee is 1%.
Does DeCard require KYC?
Signing up needs full KYC: a government ID document, and sometimes a selfie.
How do I top up DeCard?
You can top it up by crypto and bank transfer.
Does DeCard work with Apple Pay and Google Pay?
It works with Apple Pay and Google Pay.
Which crypto can I use with DeCard?
It can be funded with 2 assets: USDC and USDT. Top-ups are accepted on 5 blockchain networks, including Base, Ethereum, Polygon, Solana and 1 more.
Does DeCard have an annual fee?
No. DeCard has no annual fee.
What does DeCard charge on payments in a foreign currency?
The foreign currency fee is 1.8%. The FX markup is 0%. The conditions are listed in the fees table on this page.
Sources
- Fees pagePersonalthedecard.com
- Cardholder termsstatic.dcscc.com/cms/De_Card_Luminaries_Privileges_Terms_and_Conditions_130326_3_16c2fee85a.pdfChecked 15 Oct 2026
- Other official pagewww.thedecard.com/en
- Other official pageDecardthedecard.comChecked 15 Oct 2026
- Fees pageLuminariesthedecard.com
- Fees pageHow to spend with decard abroadthedecard.comChecked 15 Oct 2026
- Other official pageHow to Fund Your DeCard with Stablecoins in Minutesthedecard.com
- Other official pageSpend stablecoins anywhere with decardthedecard.comChecked 15 Oct 2026