I've been using the MCO card for close to half a month now, and I can easily say that it has improved by leaps and bounds since I first signed up.
The MCO card's perks are excellent. You get full rebates on Spotify (and Netflix, Amazon Prime, plus increased cashback at Airbnb/Expedia), depending on card tier. You also get a nice chunk of cashback, which beats most debit cards and quite a lot of credit cards out there, since there's no minimum spend or cashback cap (iirc). Plus, they use Visa rates with no FCY/DCC transaction fees tacked on (vs 2.5% to3.5% on other rewards cards), so your cashback doesn't instantly get negated by those fees!
Plus, at the moment they've got a promotion where you get 10% back on food deliveries and groceries (up to a max of $50 USD of cashback per month).
Quite thoughtful of them to do this especially during these trying times -- you'd be hard-pressed to see similar benefits from other card issuers.
It's worth noting that cashback and rebates are given back to you in the form of MCO -- one of CDC's cryptocurrencies -- so you're kind of exposed to fluctuations in price. So, your 2% cashback could be worth more or worth less, depending on when you sell it.
As for other perks... depending on your card stake, you'll also get an unlimited LoungeKey pass (and even +1 guest if you stake for an Icy or Rose Gold card). There are also other perks which don't really appeal to me much, so I won't elaborate futher.
Of course, these perks require you to stake MCO. You might want to think about it depending on your risk appetite, but you could also treat it as a sorta annual fee that you can get back. You'd definitely want to be fully aware of what you're getting yourself into though.
As for mobile wallet support... they do support Apple Pay and Google Pay for cards issued in the US, and it may be coming soon to cards issued in Singapore soon. Probably would take a bit of time though, but hopefully they'll consider other less popular mobile wallets like Garmin Pay and Fitbit Pay once they're done with Google and Apple Pay.
The CDC app is where you'd do most things related to the card. It's not immediately obvious, but there are a few "wallets" that you can use. A crypto wallet, where you store your cryptocurrencies; a fiat wallet, where you store fiat currencies for buying/selling crypto; and a card wallet, which your MCO Visa draws from when making purchases.
To top up your card wallet, you can sell some types of crypto from your crypto wallet, or top up using a debit card. Well, a credit card works too, but there's a 1% fee plus the potential for getting hit by cash advance charges.
Viewing your transactions is kind of messy. There's two places you can do this -- in the card wallet, which shows you the date, merchant name, and amount paid (in the six supported wallet currencies, or in SGD for other currencies); and in the MCO crypto wallet, which shows you the date/time, merchant name and city, amount paid (in supported wallet currencies, or else in txn currency plus SGD amount), and the amount of cashback you get.
The biggest gripe I have about this would be the fact that paying for a EUR txn in SGD, for example, will only show you the EUR amount everywhere. You'd have to look in your email to get the SGD value. And if you pay in a currency other the supported wallet currencies, you'd have to jump through some small hoops to find out the amount paid in the original currency.
But other than that, the app looks great and works pretty well. I won't elaborate on the other features since this review is about the card, but since customer support is through the app as well...
The customer support is done a little differently than what you may expect -- it's like a hybrid of a ticket-based helpdesk and live chat. You'd basically start a chat and send your questions, and maybe in an hour or so someone will get back to you. You don't get automatically kicked out of the chat if you happen to be away for a bit, so in this aspect they're like tickets.
As for the CS reps themselves, they're generally friendly and accommodating. I've had my issues solved rather expediently, although I've had to contact different agents for the same issue, such as for fee waivers. It's probably the same with almost every other company though, so I can't fault them either.
(Anyway, if you can't bear to wait too long, I hear users with an Icy/Rose card stake get priority support. Not that it's a good idea to upgrade your stake just for that, though.)
Consider using the MCO Visa in place of your multicurrency debit cards. The cashback will likely make it pretty worth it.