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

Last verified: 2026-09-02 · Evidence: L2-official-help-center · Editorial standards

By Rosa · Independent review · Not affiliated with Crypto.com

Direct answer: Crypto.com Prepaid Visa uses Level Up tiers (crypto.com/en/cards, verified 2026-09-02): Midnight Blue is free with 0% everyday CRO rewards; Plus/Pro/Private unlock 2–5% CRO with monthly caps on lower tiers. ATM: $200–$1,000 USD/mo free by tier, then 2%. HK/APAC users often receive Singapore-issued cards — SG Help Center (6043620) lists Midnight FX 0.5% (2% from 1 Sep 2026), Ruby/Jade 0% with caps changing Sep 2026. Card → 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)
Plus / Pro / Private tiers	From $4.99/mo or CRO lockup; 2–5% CRO rewards with monthly caps on lower tiers
Virtual card	Free to apply (physical: e.g. S$4.99 Midnight on SG schedule)
FX (SG-issued, Midnight)	0.5% foreign transactions today; 2% from 1 Sep 2026 (Help Center SG)
FX (SG-issued, Ruby+)	0% today; monthly FX allowance then 2% from 1 Sep 2026 on some tiers
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$5/mo after 12 months no activity (→S$6 from 1 Sep 2026, 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 → 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 promo evidence page.

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 (Sep 2026). Higher tiers unlock 2–5% with caps.

Do I need CRO staking?

Midnight Blue needs no lockup. Plus tier and above require Level Up subscription and/or 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: 0.5% today (2% from 1 Sep 2026). Check Card → 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: Rosa · 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.

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