Card database / Visa / Crypto prepaid card
Updated: Aug 26, 2026
Issuer identity and company credentials
Compare verified fee records across card forms and tiers
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A AIA Lite Card | A AIA Pro Card | A AIA Elite Card | |
|---|---|---|---|
| Card form | Virtual + physical card | Virtual + physical card | Virtual + physical card |
| Fees | |||
| Monthly fee | Free Standard card has no monthly fee | Free | Free |
| Card issuance fee | 99 USD One-time card fee | 149 USD One-time card fee | 199 USD One-time card fee |
| ATM fee | — | — | — |
| Foreign exchange fee | 1% Settled in the transaction currency, fee rate 0-1% | 1% Settled in the transaction currency, with a fee rate of 0-1%. | 1% Settled by spending currency, fee is 0-1% |
| Top-up fee | 4.25% Discount on AIAT payments | 4% Discount available for AIAT payments | 3.75% Discount on AIAT payments |
| Failed transaction fee | — | — | — |
| Rewards | |||
| Cashback | — | — | — |
| Crypto cashback | — | — | — |
| Staking rewards | — | — | — |
| Staking APR | — | — | — |
| Welcome bonus | 50 USD Card activation includes a top-up amount. | 50 USD Card issuance includes top-up amount | 50 USD Card issuance includes top-up amount |
| Referral bonus | — | — | — |
| Limits | |||
| Daily spending limit | 250,000 USD Maximum daily spending limit | 500,000 USD Daily spending limit | 1,000,000 USD Daily spending limit |
| Monthly spending limit | — | — | — |
| ATM withdrawal limit | — | — | — |
| Card network |
Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Application status based on public sources, official policy, and user reports. This is not application advice.
Applications or normal card activation are supported
Applications or features are unavailable or restricted
Evidence is insufficient
No records
The source text is retained below.
1、中国大陆：不可申请，现行官网仅接受等待名单且未见中国大陆 AIA Pay 应用正式上架；已持有效 Visa 卡可在符合发卡及商户风控规则的受理场景使用。
2、香港：不可申请，AIA Pay 已在香港 App Store 上架，但现行 Lite、Pro、Elite 均处于等待名单；获批后可用于 Visa 线上、线下及移动钱包支付。
3、澳门：不可申请，现行卡片统一处于等待名单并需完成地区及 KYC 审核；获批 Visa 卡可用于符合卡组织和发卡方规则的线上线下消费。
4、台湾：不可申请，AIA Pay 已在台湾 App Store 上架，但现行卡片仍需加入等待名单；获批后可通过 Visa 以及兼容 Apple Pay、Google Pay 的商户消费。
Updated: Aug 26, 2026
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Tiered KYCRequirement confirmedProof of address
UnconfirmedPendingAug 26, 2026
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Updated: Aug 26, 2026
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