MCO Visa Card Reviews and Comparison - Seedly
Reviews (10)
Reviews (10)
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  • Correct me if I'm wrong, but here is why I got the card and why I feel you should too! I got the Ruby Steel Card and had to pay S$296.73 (50 MCOs at S$5.73 and S$10.03 processing fee) for it. Following the sign-up bonus (refer to other thread for codes!), I got an additional 11.86MCO, which meant that I had a total of 61.86 MCO to begin with (~S$355). Considering 6 free months of spotify, the savings guaranteed for myself is $9.90x6=$59.40 (if nothing changes fingers crossed :)) Essentially, what I am getting for $296.73 of investment is worth $355+$59.40=$414.40 at the beginning. This means that the value of my 61.86 MCO I have has to drop by ~$118 for me to have lost money at the end of 6 months. This $118 equates to about 33% of my original investment value, and while it is possible that the value of MCO can drop by that amount, if it really happens just stake it for another 6 months and enjoy that spotify premium saving! :) (you won't have to top up money to your account to stake for another 6 months even if the value decreases as you just need 50MCO that you have already have) I also see this as a way of diversifying my portfolio as it is my first time investing in crypto! For me, I feel that this is the start of learning more about such an investment through an easy to use platform, and I have also read that "including a small percentage of high risk and potentially high reward assets into your retirement portfolio, has been advocated by investment firms and professionals for years", so I would recommend giving it a try! :)
  • Been with them since a year before card launch in SG (I bought a couple of MCOs back then out of curiosity), so I've probably seen first hand how they started off with no product, to a rudimentary app that slowly gets polished, to the eventual SG card launch and as of today they have finally added direct top up from debit card for free. Took a while, but they eventually got just about everything on the to do list that is critical for Singapore cards checked. With that, this card wins all other multicurrency cards hands down, as no other such cards are offering perfect interbank currency rates AND a generous cashback rate at the same time, not to mention the other card perks like free Netflix, Spotify and unlimited airport lounge access with Loungekey (I got the metal Royal Indigo card). All that while offering crypto buy/sell/spending options at the most competitive rates. This card is now my daily driver for everyday spending.
  • I have took the plunge and invested 500MCOs to get my Indiego metal card which gives me 3% cash back on my spendings, free Spotify and free Netflix! I also get to use airport lounges for free and have a meal while waiting for my flight. The fx rate they give are very good and is comparable to what youtrip gives. No other multi currency cards have such great features and perks at the moment. Highly recommended!
  • This is the best multi currency card hands down. You top up in sgd and get Google rate for spending foreign currency on this card. You can also potentially get up to 5% cashback on all spendings, 100% cashback on Spotify and Netflix depending on the tier of Card that you wish to get. *cashbacks are in MCO tokens which you can accumulate to sell for sgd to TOP up your card or even swap to bitcoin as form of investment. For those who are open to dabbling in a bit of cryptocurrency(don’t miss the train and learn more about it), I would recommend buying 50MCOs(which is about $300SGd at point of writing), lock it up for 6 months to get yourself a sleek and cool Ruby Red metal MCO Visa card. You get 2% cashback on all purchases and 100% cashback for charging Spotify to it. The mco tokens that you hold can even go up in value and it can be a good investment. Personally, Me and my girlfriend have bought and locked up 500MCOs each for 6 months. Our 6 months locked up period are already up and we are free to unlock and sell them. We get 3% cashback on all of our purchases, 100% cashback on our personal Spotify and Netflix. Our MCO card allows us to have unlimited and free access airport lounges under LoungeKey. We love spending on our card so much and we use it as much as possible. For our bus and mrt rides? Check. Online shopping with favorable exchange rate? Check. Dining? Check. TOP up our grab account? Check. Now you can easily TOP up the MCO Visa card with your debit or credit card. Not to mention that our MCOs token has appreciated 50% in value to date and with the MCOs cashback, we have swapped those to Bitcoin(king of crypto currency) as form of investment. By buying and lending your cryptocurrency In the app , you can also earn up to 18% interest rate in form of the crypto currency that you deposit In the app under their Earn feature. Get your MCOs and metal Visa card before the MCOs tokens gets too expensive!
  • People who don't get this early will pay a heavy price to get one in the future. It's literally 3 in 1, investment, weekly dividends (interest) and perks.
  • This card solves a key problem, that is the ability to spend / liquidate your crypto assets via VISA or ATM withdrawal. It also give 100% netflix, Spotify rebates and unlimited loungekey benefits (Indigo/Jade cards and above). Combined with excellent FOREX mid market rates and a low spread Crypto exchange, the future seems bright for this issuing company. As an avid crypto trader, I highly recommend this card! :)
  • Best multi currency card, best cash back program. Excellent spot rates when spending overseas. Cash back is paid out in their native token (MCO). Being an all in one Crypto platform that allows you earn interests on all your digital assets. Which other platforms allows you to “compound” your cash backs? Excellent interest rates on your staked MCOs as well. I am earning 8% PA from my staked MCO. Which other credit cards provides such excellent ROI?
  • Updated on 23 Sep 2019
    This is a pretty unique card which involves multi currency together with cryptocurrency, hence it may be worth checking out for users who wants to get involved in cryptocurrency. You will receive the metal card once you stake at least 50 MCO with them for 6 months. Users with higher stakes will receive better benefits such as 100% rebate in Netflix, Spotify and unlimited airport lounge access (LoungeKey). They have recently achieved Cryptocurrency Security Standard Level 3 Compliance for those who are concerned about safety. Cashback will be given on all kinds of spending based on your card tier on top of their FX currency rate. Topping up may not be as straightforward though as of now but one of the more popular methods would be to use TransferWise to wire money. One other alternative I've tried recently is to use Revolut to wire money at 0 cost which was really neat! The main objective of this card is to use cryptocurrency to convert into fiat for spending, hence you need to have cryptocurrency in your account (via transfer from your other cryptocurrency wallet or purchase on their platform). Therefore the top up will add money to your account, which in turn u have to use it to purchase cryptocurrency and then converting them into fiat money in the card. One thing to take note is that the fees or "spread" losses will not be shown when trading between cryptocurrencies, so one have to be careful. This card was first released in Singapore followed by United States currently and then the rest of the world. Those who wish to get the card should take advantage of the low MCO price before its potential rise in the future.
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About MCO Visa Card is a pioneering payments and cryptocurrency platform founded in 2016 on a simple belief: it’s a basic human right for everyone to control their money, data and identity. With over 1 million users on its platform today, provides a powerful alternative to traditional financial services, turning its vision of “cryptocurrency in every wallet” into reality, one customer at a time. is built on a solid foundation of security, privacy and compliance and is the first cryptocurrency company in the world to have CCSS Level 3, ISO27001:2013 and PCI:DSS 3.2.1, Level 1 compliance.
TypeMetal Visa Card with Mobile app wallet for fiat & cryptocurrencies.
Currencies SupportedSupports 6 traditional currencies in the wallet app and 50+ cryptocurrencies.
FeesNo annual/monthly/delivery fee all cards. Instead of an annual fee, users purchase MCO tokens and deposit them for a period of 6 months. After which, the tokens will be returned. Card Tiers: 50000 MCO - Obsidian Black Tier 5000 MCO - Icy White/Frosted Rose Gold Tier 500 MCO - Indigo/Jade Tier 50 MCO - Ruby Tier 0 MCO - Midnight Blue Tier (plastic)

About Products

The MCO Visa Card has a range of metal Visa cards linked to the App that enables users to convert and spend their cryptocurrencies anywhere Visa is accepted. 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.

MCO Visa Card Features

  • A beautifully crafted metal Visa card
  • Up to 5% back on ALL spending
  • Spotify and Netflix: Up to 100% subscription rebate
  • Airbnb & Expedia: Up 10% back on bookings
  • Interbank Exchange Rates: Store and exchange up to 6 common currencies
  • No Fee ATM withdrawals: Up to SG$1,000 per month. (ATM5 Network)
  • Unlimited access to 1000+ airport lounges globally on select cards (via LoungeKey)
  • Accepted at 50 million locations worldwide: Shop and make payment everywhere Visa is accepted, online and offline.
  • Card Security: Freeze/Unfreeze your card within the App; 3D Secure enabled

How It Works

  • Buy cryptocurrencies with Credit/Debit card or bank transfer with the App
  • Earn interest on your deposited cryptocurrencies up to 12 % p.a.
  • Exchange cryptocurrencies into 6 traditional currencies at interbank rates at any time and spend it via your MCO Visa Card.
  • Enjoy no transaction fees when used for cashless payments in-store and online worldwide.

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