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Crypto.com Visa Card

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  • Reviews (296)
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Multi Currency Cards/Crypto.com Visa Card
Multi Currency Cards/Crypto.com Visa Card
4.8
296 reviews
claimed

Claimed

This product is managed by Crypto.com.

USER RATINGS

Application Process

4.8

User Experience

4.7

Customer Support

4.6

Plans (5)

Slide 1 of 5
  • Frosted Rose Gold & Icy White

    Visa

    TYPE

    Free for first $20,000

    CURRENCY EXCHANGE FEES

    N/A

    MONTHLY FEES

    Free for first $1000

    OVERSEAS ATM WITHDRAWAL FEES

    7

    SUPPORTED FIAT CURRENCIES

  • Royal Indigo & Jade Green

    Visa

    TYPE

    Free for first $10,000

    CURRENCY EXCHANGE FEES

    N/A

    MONTHLY FEES

    Free for first $800

    OVERSEAS ATM WITHDRAWAL FEES

    7

    SUPPORTED FIAT CURRENCIES

  • Ruby Steel

    Visa

    TYPE

    Free for first $4000

    CURRENCY EXCHANGE FEES

    N/A

    MONTHLY FEES

    Free for first $400

    OVERSEAS ATM WITHDRAWAL FEES

    7

    SUPPORTED FIAT CURRENCIES

  • Midnight Blue

    Visa

    TYPE

    Free for first $2000

    CURRENCY EXCHANGE FEES

    N/A

    MONTHLY FEES

    Free for first $200

    OVERSEAS ATM WITHDRAWAL FEES

    7

    SUPPORTED FIAT CURRENCIES

  • Obsidian Black

    Visa

    TYPE

    Free

    CURRENCY EXCHANGE FEES

    N/A

    MONTHLY FEES

    Free for first $1000

    OVERSEAS ATM WITHDRAWAL FEES

    7

    SUPPORTED FIAT CURRENCIES

Frosted Rose Gold & Icy White

Visa

TYPE

Free for first $20,000

CURRENCY EXCHANGE FEES

N/A

MONTHLY FEES

Free for first $1000

OVERSEAS ATM WITHDRAWAL FEES

7

SUPPORTED FIAT CURRENCIES

Details

Product Page Transparency

  • Claimed in August 2020

Crypto.com Visa Card Singapore Review 2021

Crypto.com Visa Card is a multi-currency crypto metal card by Crypto.com. It famously features 100% cashback benefits for popular online services like Spotify, Netflix and Amazon Prime. For other regular spendings, you can get up to 8% cashback. All cashback amounts are credited in CRO back to your crypto.com wallet.

Additionally, having Lounge Key airport lounge access (upper-tier cardholders only) makes Crypto.com Visa Card attractive for the highflyers.

While you can get the first tier of Crypto.com Visa Card for free, the subsequent tiers that provide you extra cashback require you to stake CRO, which is crypto.com's coin. This means you have to purchase CRO tokens and hold them for 6 months.

Notably, with cryptocurrencies, a significant amount of risk is involved.

Read More about Crypto.com Visa Card
Reviews (296)

4.8

296 Reviews

  • 5
    260
  • 4
    26
  • 3
    2
  • 2
    3
  • 1
    5

Read Review About...

    Most HelpfulMost RecentLow to HighHigh to Low
      Posted 1d ago

      Purchased

      Royal Indigo & Jade Green

      Applied for the Royal Indigo card and it arrived in 1 week! 3% cashback, no minimum spend, free spotify, free netflix and it feel good in hand. I use this whenever Visa is accepted and transport (MRT/Bus).

      0

      What are your thoughts?

      Reply

      Posted 30 Sep 2021

      Purchased

      Royal Indigo & Jade Green

      Pros: Great Product, with many benefits, such as 3% cash back in CRO. 100% rebate in Netflix & Spotify. Higher staking rewards for USDC/other coins. [Customer Support] However the customer service is the worst that I have ever experienced. Assumptions on my questions. Replies that are not relevant. Hidden Fees. Fees such as topping up through Debit card. Was charged around $15, however there is no pre-emptive warning to state that. Horrible rates/spread. [Transparency] There is a whole list of things this card can not be used to be purchased on such as utilities, etc. Thus the information that is given are very limited. TLDR, use it for spending needs, if you plan to stake your coins, or make purchases, please do use other platforms.

      0

      What are your thoughts?

      Reply

      Posted 29 Sep 2021

      Purchased

      Frosted Rose Gold & Icy White

      Singapore (and maybe more) Airport lounges are not accessible anymore: “the situation at the moment is the result of legal results on and restrictions that apply to the cards in your region”…Bad experience!

      0

      What are your thoughts?

      Reply

      Posted 12 Sep 2021

      Purchased

      Midnight Blue

      [Tips] I am very excited about their frequent charging event to charge your crypto coin to get some other coin after some time.

      0

      What are your thoughts?

      Reply

      Posted 16 Aug 2021

      Purchased

      Royal Indigo & Jade Green

      [Disclaimer] The moment you consider getting this card or is reading this review, you should already be opened to the idea of cryptocurrency and its volatility. If you can accept the risk and nature of cryptocurrency, this is definitely the one card you have to get. [Application Process] Straight forward just like any of the cryptocurrency platform (e.g. Celsius). Apply for an account using your email, and do a KYC (Know Your Customer) by taking the front and back of your identity documents like your Identity Card or Passport, and then do a selfie using the camera on your phone, while following the instructions in the CryptoDotCom application. Verification period varies, for my mum and mine, it took about a day. For my dad's it took about 4 working days, including one failure application because of his selfie. You then either buy to stake or apply for a free card and just wait. The sweetest spot is definitely Royal Indigo or Jade Green (S$5,000 worth of CRO), more to be covered later in this review. [Features] The main catch of this card is definitely the perks, free Spotify, Netflix, and cashback, all depending on the tier that you applied for. Midnight Blue (Free!): 1% cashback for all spending (in CRO). Ruby Red (S$500 worth of CRO): 2% cashback for all spending (in CRO), and free Spotify (reimbursed in CRO, up to a maximum of USD 12.99 equivalent). Royal Indigo/Jade Green (S$5,000 worth of CRO): 3% cashback for all spending (in CRO), free Spotify and Netflix (reimbursed in CRO, up to a maximum of USD 12.99 equivalent), and airport lounge access via LoungeKey. Additionally, a 10% interest for your CRO staked with CryptoDotCom, which will be paid to you in CRO every 7 days. Icy White/Rose Gold (S$50,000 worth of CRO): 5% cashback for all spending (in CRO), free Spotify, Netflix, and Amazon Prime (reimbursed in CRO, up to a maximum of USD 12.99 equivalent), 10% cashback for Expedia (in CRO, up to a maximum of USD 50 equivalent), and airport lounge access with +1 Guest via LoungeKey. Additionally, a 12% interest for your CRO staked with CryptoDotCom, which will be paid to you in CRO every 7 days, and additional 2% interest on fixed-term deposits, paid in CRO, but not applicable for CRO deposits. Obsidian Black (S$500,000 worth of CRO): 8% cashback for all spending (in CRO), free Spotify, Netflix, and Amazon Prime (reimbursed in CRO, up to a maximum of USD 12.99 equivalent), 10% cashback for Expedia (in CRO, up to a maximum of USD 50 equivalent), 10% cashback for Airbnb (in CRO, up to a maximum of USD 100) and airport lounge access with +1 Guest via LoungeKey. Additionally, a 12% interest for your CRO staked with CryptoDotCom, which will be paid to you in CRO every 7 days, and additional 2% interest on fixed-term deposits, paid in CRO, but not applicable for CRO deposits. All CRO will be staked for a period of 6 months, which cannot be unstake/moved until after 6 months (180 days). During the period, you can only upgrade, with the help of customer service, and to get a new card you have to pay 50 SGD (unless there is a promotion for card upgrade waiver). After 6 months (180 days), you can either unstake or leave it staked to continue getting the interest (10% for Royal Indigo/Jade Green, or 12% for Icy White/Rose Gold and Obsidian Black). Other features including the fixed-term deposit mentioned above, and CRO pay. [Referrals] Probably the best referral program out there. 25 USD in form of CRO for both the referrer and referent, when the referent staked at least S$500 worth of CRO. [Transparency] If everything is paid in the base currency (in this case SGD), then everything is fine. Else the exchange rate is not very transparent, although they said that the rate follows the VISA exchange rate, and it does not show the rate used in the transaction details. Apart from them, the company's performance (P&L) is not very transparent as well, but they are a private company so.. there is nothing much we can do except to trust them. [UI] Pretty user friendly, many banners to help new comers get used to the application. But the number of wallets might be confusing to many people out there, e.g. money in VISA wallet cannot be used to buy cryptocurrency in the application, but it is the only place that you can top up using your credit/debit card, and money in Fiat wallet can only be topped up using Xfers or SEPA bank transfer. CryptoDotCom is constantly updating the UI of the application tho, getting and listening to feedback from users. [Analytics] It is currently impossible to track your monthly expenses and see your current top up allowance, but many people are currently requesting that feature so we might be able to see it soon. [Tips] Always make use of current promotion, e.g. now there is a 3% cashback for groceries spending/food deliveries (for Midnight Blue cardholders, up to a maximum of 20 SGD, in form of CRO), and 12% cashback for groceries spending/food deliveries (for all metal cardholders, up to a maximum of 50 SGD, in form of CRO). And previously there was this upgrade fee waiver which allows you to upgrade your stake and get a new card at no cost (which costs 50 SGD during normal times). [Withdrawals] It is no longer possible to do ATM withdrawal to withdraw your money from your VISA wallet locally, with effect from 28 January 2020. It is still possible to withdraw overseas tho, the withdrawal limit is limited by the card tier (200 USD for Midnight Blue, 400 USD for Ruby Red, 800 USD for Royal Indigo/Jade Green, and 1000 USD for Icy White/Rose Gold and Obsidian Black). [Customer Support] Used to be great, they used to answer any inquiries within an hour or two, but as the card gets released elsewhere in the world, the waiting time is now a few days, not deal breaking as many questions can be found online or asked in Telegram groups where the community are very active in. Icy White/Rose Gold and Obsidian Black will have priority customer service as part of their perks in CryptoDotCom Private, which will reply in minutes or within an hour. [Summary (tl;dr)] You are definitely looking at the best card if you can accept the risk and nature of cryptocurrency. Stake S$5,000, and enjoy a 10% interest for your CRO (Ruby Red just gets staked and it does not earn you interest) and also enjoy the free Spotify, Netflix and 3% Cashback. And remember to make use of the current promotion to get a maximum of 12% cashback for your groceries spending/food deliveries, more details to be found on their website.

      3

      1 more comments

      Hello there! Yes, for Royal Indigo/Jade Green tier and above, your staked CRO will be earning interest through out the whole 6 months. Royal Indigo/Jade Green will get 10% interest P.A, Icy White/Rose Gold will get 12% interest P.A. Let me know if you have any further enquiries or if you need a referral. Thanks!

      Thanks for clarifying! i will go check it out!

      What are your thoughts?

      Reply

    Discussions (0)
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      Understanding the risk of Cyptocurrency Platforms in Singapore:

      This product does not currently hold the licence to “provide digital payment token services” under the Payment Services Act (PS Act) by MAS. This product was previously granted an exemption since 28 January 2020 and is pending the licence to “provide digital payment token services” from MAS.

      The information provided by Seedly serves as an educational piece and is not intended to be personalised investment advice. ​Readers should always do their own due diligence and consider their financial goals before investing in any investment product.

      About Crypto.com

      The Crypto.com Visa Card has a range of metal Visa cards linked to the Crypto.com App that enables users to convert and spend their cryptocurrencies anywhere Visa is accepted. Crypto.com App is a multi-currency wallet app that allows you to securely buy, sell, store, send and track cryptocurrencies and access a range of innovative financial services.

      Tiers of Crypto.com Visa Card

      Card Tier

      CRO stake requirement

      Cashback & Benefits*

      • No-fees ATM withdrawal limit
      • Interbank exchange rates monthly limit

      Obsidian Black

      (Metal Card)

      2,500,000 CRO

      • CRO rewards on all spending: 8%
      • Spotify: 100%
      • Netflix: 100%
      • Amazon Prime: 100%
      • Expedia: 10%
      • Airport Lounge Access: Yes, + 1 guest
      • $1,00 USD
      • Unlimited

      Frosted Rose Gold & Icy White

      (Metal Card)

      250,000 CRO

      • CRO rewards on all spending: 5%
      • Spotify: 100%
      • Netflix: 100%
      • Amazon Prime: 100%
      • Expedia: 10%
      • Airport Lounge Access: Yes, + 1 guest
      • $1,00 USD
      • $20,000 USD

      Royal Indigo & Jade Green

      25,000 CRO

      • CRO rewards on all spending: 3%
      • Spotify: 100%
      • Netflix: 100%
      • Airport Lounge Access: Yes
      • $800 USD
      • $10,000 USD

      Ruby Steel

      (Metal Card)

      2,500 CRO

      • CRO rewards on all spending: 2%
      • Spotify: 100%
      • $400 USD
      • $4,000 USD

      Midnight Blue

      (Plastic Card)

      Free

      • CRO rewards on all spending: 1%
      • $200 USD
      • $2,000 USD

      *Cashback benefits reduce after you unlock your CRO post 6 months of staking. Non-staking benefits will be reduced significantly.

      Crypto.com Non-Staking Cashback benefits change:

      • Obsidian Black - from 8% to 2%
      • Frosted Rose Gold and Icy White - from 5% to 1.75%
      • Royal Indigo and Jade Green - from 3% to 1.5%
      • Ruby Steel - from 2% to 1%
      • Midnight Blue - no change

      How much does Crypto.com Visa Card really cost?

      Crypto.com Coin (CRO)

      While you can get the first tier of Crypto.com Visa Card for free, the subsequent tiers that provide you extra cashback require you to stake CRO, which is Crypto.com's coin.

      The more CRO you have, the higher your tier. Hence while technically you do not pay for membership fees, you have to purchase CRO tokens and hold them for 6 months. Notably, with cryptocurrencies, a significant amount of risk is involved.

      Here's how much it costs for each tier of the card after conversion of CRO to SGD.

      • Obsidian Black: 2,500,000 CRO SGD $ 261,655
      • Frosted Rose Gold, Icy White: 250,000 CRO SGD $ 26,166
      • Royal Indigo, Jade Green: 25,000 CRO SGD $ 2,617
      • Ruby Steel: 2,500 CRO SGD $262
      • Midnight Blue: Free

      conversion calculated based on values as of 4 November 2020

      Features of Crypto.com Visa Card

      • A beautifully crafted metal Visa card for Midnight Blue tier and above
      • Up to 8% back on ALL spending
      • Spotify and Netflix: Up to 100% subscription rebate
      • Airbnb & Expedia: Up 10% back on bookings
      • Crypto.com Private: Further 2% p.a interest on Crypto Earn or Private Jet Services
      • Crypto.com Private: Access to priority customer service, inheritance service, research reports, private jet services, and OTC block trades
      • Interbank Exchange Rates: Store and exchange up to 6 common currencies.
        Each tier except Obsidian Black has a monthly limit. Passing the limit will subject you to a 0.5% charge thereafter.
      • No Fee ATM overseas withdrawals: Up to SG$1,000 per month.
        Surpassing the limits for your tier will subject you to a 2% charge thereafter
      • Unlimited access to 1000+ airport lounges globally on select cards (via LoungeKey)
      • After staking your CRO for 6 months, you can choose to unlock the CRO to sell or use. However, "unstaking" your CRO from your account will mean losing the benefits of Purchase Rebates, Extra Card cashback, and Higher Interest rate earnings.
      • Cardholders cannot load cryptocurrency onto their Crypto.com Visa Card. All cryptocurrency will be converted to SGD and the SGD can be loaded onto the Crypto.com Visa Card for use in purchase and ATM withdrawals.

      Getting the Crypto.com Visa Card

      1. First, you will have to ensure you have sufficient CRO coins, to do so you can:

      • Buy CRO with Credit/Debit card or bank transfer with App OR
      • Exchange from another crypto to CRO in the Crypto.com App OR
      • Deposit CRO from an external wallet or exchange to your Crypto.com wallet

      2. Next, once you have enough CRO tokens in your Crypto.com App for your selected Crypto.com Visa card.

      3. Go to the Card Page > Select desired Crypto.com Visa Card > Stake CRO and follow the instructions

      4. If you wish to unlock your staked CRO, simply go to the CRO wallet in your app and tap unlock.

      Contact Info

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