Crypto.com Visa Card — tiers, fees, and how to open (2026)

Last verified: 2026-10-12 · Evidence: L2-official-help-center · Editorial standards

By CryptoCard Insider (founder: Rosa Xie) · Independent review · Disclosure: we may earn a referral reward from the Crypto.com partner link below · Affiliate disclosure

Direct answer: Crypto.com Prepaid Visa uses tiers (crypto.com/en/cards, verified 2026-10-12): Midnight Blue is free with 0% everyday CRO rewards; Ruby Steel ($4.99/mo) earns 1.5% CRO up to $750/mo, Jade Green and Royal Indigo ($29.99/mo) 2.5% up to $1,500/mo, Icy White and Rose Gold 3.5% up to $3,000/mo, Obsidian 4.5% up to $5,000/mo. ATM: $200–$1,000 USD/mo free by tier, then 2%. HK/APAC users often receive Singapore-issued cards — SG Help Center (6043620, dated 2026-09-01) lists Midnight FX at 2.0% since 1 Sep 2026 (0.5% before), Ruby no fee up to S$600/mo then 2.0%, Jade/Indigo no fee up to S$1,200/mo then 2.0%. Card to Fees & Limits in-app is authoritative.

Sources and verification

Crypto.com Visa Card tiers — Level Up rewards and ATM allowances
Help Center — SG fees & limits — FX, top-up, inactivity; HK often SG-issued
Help Center — Fees collection — Pick article for your residency

Sources: crypto.com/en/cards; Help Center SG article 6043620, not investment advice — CRO rewards and FX vary by region and tier.

Status at a glance

Check	Status (confirm in-app)
Account signup	Crypto.com exchange account
KYC	Passport/national ID + selfie; 10–30 min typical
Virtual card	Yes after tier approval
Physical card	Free on eligible tiers; shipping may apply
Local funding	Crypto or fiat in Crypto.com wallet
Apple / Google Pay	Supported where issuer enables

Fees at a glance

Fee type	Documented rate
Midnight Blue (entry)	$0 subscription/lockup; 0% CRO everyday rewards (crypto.com/en/cards)
Higher tiers (Ruby Steel to Obsidian)	Ruby Steel $4.99/mo or $500 lockup: 1.5% CRO up to $750/mo; Jade Green and Royal Indigo $29.99/mo or $5,000 lockup: 2.5% up to $1,500/mo; Icy White and Rose Gold ($50,000 lockup): 3.5% up to $3,000/mo; Obsidian ($500,000 lockup): 4.5% up to $5,000/mo
Virtual card	Free to apply (physical: e.g. S$4.99 Midnight on SG schedule)
FX (SG-issued, Midnight)	2.0% on foreign transactions since 1 Sep 2026 (0.5% before); Help Center SG, 2026-09-01
FX (SG-issued, Ruby+)	Ruby: no fee up to S$600/mo, then 2.0%; Jade/Indigo: no fee up to S$1,200/mo, then 2.0%; higher tiers: no fee listed (since 1 Sep 2026)
ATM	Free $200–$1,000 USD/mo by tier; 2% above allowance + operator fees
Top-up	Debit 0% / credit 1% / Apple Pay 2% (SG Help Center); region may differ
Inactivity	S$6/mo after 12 months without activity since 1 Sep 2026 (S$5 before; SG schedule)

Issuer app checkout and fee screens are authoritative. Card Lab scores are editorial estimates, not investment advice.

How to open, fund, and activate

Download Crypto.com — Install app via partner link; confirm Cards tab for your residency. (2 min)
Complete KYC — Passport/national ID + selfie; Hong Kong ID commonly accepted. (10–30 min)
Fund wallet — Buy or deposit crypto/fiat; higher tiers need CRO stake. (5–20 min)
Apply for Visa card — Cards to choose tier; virtual issues after approval. (5–15 min)

Promo and referral

Partner link: https://crypto.com/app/77gafpkkbz — codes: 77gafpkkbz. Partner referral — Visa tiers and CRO staking rules vary by region; confirm card menu in-app. See also RedotPay promo code · evidence.

Promotions: Referral and welcome campaigns vary by region — check Crypto.com app after signup.

FAQ

Does Crypto.com Visa work in Hong Kong?

Hong Kong residents commonly apply via the Crypto.com app; many receive Singapore-issued cards — confirm Card tab and Fees & Limits after KYC.

Midnight Blue rewards?

0% CRO on everyday spending per crypto.com/en/cards (Oct 2026). Higher tiers unlock 1.5–4.5% with monthly caps.

Do I need CRO staking?

Midnight Blue needs no lockup. Ruby Steel and above require a monthly or annual subscription or a CRO lockup per crypto.com/en/cards.

ATM fees?

$200–$1,000 USD/mo free withdrawal allowance by tier; 2% on amounts above per Help Center schedules.

FX on foreign purchases?

Varies by issuing region and tier. SG-issued Midnight: 2.0% since 1 Sep 2026 (was 0.5%); Ruby and Jade/Indigo have a monthly no-fee allowance (S$600 / S$1,200), then 2.0%. Check Card to Fees & Limits.

Physical card cost?

SG schedule: S$4.99 Midnight physical issuance; Ruby S$39.99 unless Level Up Plus subscriber meets waiver rules.

Self-custody?

No — prepaid Visa draws from Crypto.com wallet balance until merchant settlement.

Affiliate link?

Partner link disclosed on CryptoCard Insider as of 2026-09-02T17:45. Confirm eligibility and checkout in-app.

Trust & disclosures

Author: CryptoCard Insider (founder: Rosa Xie) · Editorial standards · Affiliate disclosure · Disclaimer

CryptoCard Insider is independent and unofficial. We may earn commission on disclosed partner links (rel="sponsored"). Fees, eligibility, and promos change — confirm in each issuer app. Card Lab scores are editorial estimates, not investment advice. Contact: [email protected].

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