最近更新：2026/09/14
DiCard 是 DigiFinex 推出的美元加密支付卡，目前核心产品为 USD 虚拟 Mastercard，用户使用 DigiFinex 现货账户中的 USDT 为卡片充值，再以美元余额进行线上、线下和跨币种消费。产品分为 DiCard Lite 与 DiCard Premier 两个等级，提供不同的单笔、每日和每月消费额度，并支持 Apple Pay、Google Pay、支付宝及 3D Secure 验证。当前合资格消费可获得约 1% 的积分回馈。
DiCard 属于 DigiFinex 交易平台内置的加密资产消费服务。用户先注册 DigiFinex 账户并完成邮箱、手机号及身份验证，再选择相应卡片等级申请。卡片获批后自动激活，用户从 DigiFinex Spot Account 使用 USDT 充值，系统将资金转换为美元卡余额，用于 Mastercard 网络消费。当前全球美元版本主要提供虚拟卡，分为 Lite 和 Premier：Lite 面向一般消费，Premier 提供更高的单笔、每日和月度支出额度，并允许将剩余卡余额提回现货账户。卡片具有 3D Secure 交易验证，并设有高风险商户和特定 MCC 限制。
比较不同卡片形态与等级的真实费用记录
按住或滑动表格任意区域，左右查看全部卡片；左侧项目保持固定
D  DiCard Lite | D  DiCard Premier | |
|---|---|---|
| 卡片类型 | 虚拟卡 | 虚拟卡 |
| 费用 | ||
| 月费 | — | — |
| 开卡费 | 5 USD 每张收取 | 5 USD 每张收取 |
| ATM 取现费 | — | — |
| 货币转换费 | 1.5% 非美元交易适用 | 1.5% 非美元交易适用 |
| 充值费 | 1.3% 前5笔为0.3% | 1.3% 前5笔为0.3% |
| 交易失败费 | — | — |
| 奖励 | ||
| 返现 | 1% 每月最高10美元 | 1% 每月最高10美元 |
| 加密货币返现 | — | — |
| 质押奖励 | — | — |
| 质押年利率 | — | — |
| 欢迎奖金 | — | — |
| 推荐奖金 | 10 USDT 推荐奖金10 USDT/5 USDT，消费满50 USDT | 10 推荐奖金为10 USDT或5 USDT，消费满50 USDT |
| 限制 | ||
| 每日支出限额 | 20,000 USD 每日消费上限 | 50,000 USD 每日消费上限 |
| 每月支出限额 | 100,000 USD 每月消费上限 | 400,000 USD 每月消费上限 |
| ATM 取款限额 | — | — |
| 卡片网络 |
费用可能因地区、卡片等级和官方政策变化，请以最新官方资料为准。
以下按地区申请状态整理公开资料、官方政策和用户反馈，不构成办卡建议。
支持申请或可正常开卡使用
59条
不支持或受限开户/功能
14条
资料不足，状态待确认
0条
暂无记录
我们正在持续更新中
1、中国大陆：中国大陆居民及公民不支持 DigiFinex 账户和身份验证，因此不可申请 DiCard；境外已发行卡仍可在符合 Mastercard 受理规则的商户消费。
2、香港：中国香港属于 DigiFinex 当前明确不提供服务的司法辖区，香港居民不可正常申请 DiCard；已持境外发行卡可在当地 Mastercard 商户使用。
3、澳门：中国澳门未列入现行 DigiFinex 禁止服务地区，符合账户、Lv.2 KYC 和卡片审核要求后可申请，并可用于支持 Mastercard 的线上和移动支付。
4、台湾：中国台湾未列入现行禁止服务地区，完成 DigiFinex 账户和 Lv.2 身份验证后可申请 DiCard，并可用于 Mastercard 网络及支持的移动钱包支付。
开户前需完成身份验证，以下为当前核验要求与限制说明
是否需要 KYC
是
KYC 等级
分级 KYC
居住证明
不需要
护照、身份证
自动身份审核通常约一分钟，异常资料进入进一步人工复核
未披露
2026/08/11
查看各类支付场景的支持状态及更新时间，便于您快速了解当前可用性。i
兼容性概览
共 12 项场景支持
9项
不支持
3项
数据更新时间
2026/08/11
钱包支付
更新时间 2026/08/11
钱包支付
更新时间 2026/08/11
现金服务
更新时间 2026/08/11
AI 工具
更新时间 2026/08/11
AI 工具
更新时间 2026/08/11
钱包支付
更新时间 2026/08/11
AI 工具
更新时间 2026/08/11
线下支付
更新时间 2026/08/11
线上购物
更新时间 2026/08/11
钱包支付
更新时间 2026/08/11
订阅服务
更新时间 2026/08/11
钱包支付
更新时间 2026/08/11
基于已核实记录写成的产品评测，结论与更新时间一并列出。
暂无深度评测
这张卡片还没有发布评测。发布后会出现在这里，并在上游数据变化时标记为待更新。
经核实并发布的卡片变化记录，按发生时间排列。
暂无已确认的变化
该卡片还没有已确认并发布的变化记录。新的变化经核实后会出现在这里。
展示最新 10 条已批准入库、并已匹配当前卡片的评论
I have been waiting for 108 days (since April 15, 2026) for a simple withdrawal of 207 USDT. My funds are stuck under "Compliance Review" due to a "Mandatory Blocking" flag on the destination address. I have explicitly stated to the compliance team that I have zero ties to this flagged group, I am just a regular retail user. I have sent multiple emails over the past 3 months, only to receive the exact same copy-paste bot replies from support telling me to "wait." Holding 207 USDT for over 100 days without a final resolution is completely unacceptable and unprofessional. I urgently request a real manager to intervene, cancel this pending withdrawal, and return the funds to my DigiFinex balance. UID: 1689355007
Good exchange
This exchange is a complete scam . It has run out of liquidity , users are unable to withdraw their funds, and the support team is rude and dismissive instead of helping customers . Stay away from this platform if you don't want to lose you money .
goog app
Complicated App. It not work on android 12 or older. I am very sad for it.
scamer excange
I can't log in - I click the autofill button, and nothing happens. It's like this app is preventing my password manager from working.
⭐ 1 Star Two weeks. Funds frozen. Support gives copy-paste replies. Admins tell you to wait. Nobody explains why your money is being held. The real test of an exchange is not deposits—it’s withdrawals. DigiFinex failed that test.
⭐ 1---DigiFinex: Deposits Work Fine, Until You Try to Withdraw I trusted DigiFinex to trade and store my funds. That was a mistake. Both my deposit and withdrawal have been stuck for more than 7 days. No TxID. No processing. No clear explanation. My funds are simply trapped inside the DigiFinex system. What makes this even worse is how useless the customer support has been. Every time I contact them, I only receive robotic copy-paste responses such as: * “Please wait” * “Your case has been escalated” * “We are checking” Seven days later, the result is still absolutely nothing. A crypto exchange that accepts user deposits instantly, but cannot process withdrawals back to users, is extremely concerning. At this point, I no longer care whether DigiFinex is facing technical problems or liquidity issues — what matters is that users are being denied access to their own money without transparency or accountability. After this experience, I realized something: DigiFinex works perfectly… until you try to take your money out. My advice to everyone: * Do not keep large funds on DigiFinex * Do not blindly trust the balance shown on the screen * Always test withdrawals before depositing larger amounts A crypto exchange is not judged by its interface or trading volume. The most basic responsibility is allowing customers to access and withdraw their own funds safely and on time. DigiFinex failed at the most important part.
1-Star Review — DigiFinex Holding My Funds for 30+ Days My USDT withdrawal on DigiFinex has been stuck in “Processing” for over a month with no TxID ever issued. Every time I contact support, I receive the same copy-paste responses: * “Please wait” * “Your case has been escalated” * “We are investigating” * “No exact timeline available” But after 30+ days, absolutely nothing has changed. This is not a blockchain delay — the transaction was never even sent to the network. The funds are simply frozen inside the exchange. What makes the situation even more concerning is that I’ve seen other users and influencers reporting similar withdrawal issues on DigiFinex recently. At this point, this no longer looks like a temporary technical issue. It raises serious concerns about the platform’s liquidity and ability (or willingness) to process user withdrawals. I strongly advise people: * Do NOT keep large funds on DigiFinex * Be extremely careful depositing there * Test withdrawals with small amounts first A crypto exchange should not be able to hold customer funds hostage for an entire month without transparency or resolution. Very disappointed.
更新时间：2026/08/11
暂无风险因素
