Available regions
Applications or normal card activation are supported
Hong KongHKSouth KoreaKRSingaporeSGMalaysiaMYAustraliaAUThailandTHPhilippinesPHJapanJPVietnamVNTaiwanTW
- Evidence
- Officially supported
Card database / Mastercard / Visa / Stablecoin payment card
D
Decard Card
Updated: Sep 14, 2026
DeCard Card is a stablecoin credit card offered by Singapore-based DCS Card Centre. After receiving a genuine credit limit, users can repay or prepay their D-Vault with USDT or USDC and then make everyday purchases through the Visa or Mastercard network. The product offers virtual and physical cards and supports online, offline and cross-border spending as well as overseas ATM withdrawals. It extends its spending benefits through DePoints, referral rewards and the higher-tier Luminaries plan.
- Card network
- Product type
- Stablecoin payment card
- Card form
- Virtual + physical card / Virtual + metal card
- Operating status
- Active
- KYC level
- Full KYC
- Commercial relationship
- No commercial relationship
- Risk score
- 80-89
- Supported assets
USDT
USDC- Last updated
- Sep 14, 2026
Official and company information
Issuer identity and company credentials
DeCard is a stablecoin payment credit card brand launched by DCS Card Centre in Singapore, allowing users to deposit fiat or supported digital assets via D-Vault to repay and support Visa card spending. Its products include DeCard for everyday use and DeCard Luminaries for high-end Web3 users. DCS Card Centre, formerly Diners Club Singapore, has over fifty years of card issuing experience and, as a card issuer regulated by the Monetary Authority of Singapore, directly manages DeCard applications, credit, card accounts, and spending services.
- Company / issuer
- DeCard (DCS Card Centre)
- Legal name
- DCS Card Centre Pte. Ltd
- Registered region
- Singapore (SG)
- Headquarters
- Singapore
- Company type
- Issuer
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
DeCard uses a credit line plus stablecoin repayment model rather than deducting crypto assets directly from a self-custody wallet per transaction. After approval, DCS assigns an initial credit line, and users can repay or prepay via D-Vault using USDT, USDC, or eligible bank transfers. Stablecoin transfers and conversion services are provided by FOMO PAY. The standard DeCard currently includes SGD- and USD-denominated cards, with a choice of Visa or Mastercard at application. A virtual card is issued immediately, and a physical card can be requested later. The higher-tier DeCard Luminaries is for eligible Web3 professionals, executives, and high spenders, offering metal cards, higher spending capacity, and travel benefits.
Mastercard / Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Usage scale & trends
Usage data is not available for this card yet. It will appear here when available.
Card variants and fee differences
Compare verified fee records across card forms and tiers
Drag or swipe anywhere in the table to view every card; labels stay fixed
D DeCard SGD Card | D DeCard USD Card | D DeCard Luminaries Card | |
|---|---|---|---|
| Card form | Virtual + physical card | Virtual + physical card | Virtual + metal card |
| Fees | |||
| Monthly fee | Free No ongoing monthly fee | Free No ongoing monthly fee | — |
| Card issuance fee | Free Free; S$10, plus shipping | 10 USD Free; US$10, plus shipping | Free Free; US$100, plus shipping |
| ATM fee | 1% 1% or S$5, whichever is higher, plus ATM operator fees | 5 USD + 1% 1% or US$5, whichever is higher, plus ATM operator fees | 5 USD + 1% 1% or US$5, whichever is higher, plus ATM operator fees |
| Foreign exchange fee | 1.8% Charged on foreign currency transactions | 1.8% Non-USD foreign currency transactions | Free 0% from July 13, 2026 |
| Top-up fee | 0% Funding fee 0% | Free Funding fee 0% | Free Funding fee 0% |
| Failed transaction fee | — | — | — |
| Rewards | |||
| Cashback | 1 Earn points on qualifying purchases: 1 DePoint per US$1 | 1 Earn points on qualifying purchases: 1 DePoint per US$1 | 10% Up to US$200 per month |
| Crypto cashback | — | — | — |
| Staking rewards | — | — | — |
| Staking APR | — | — | — |
| Welcome bonus | — | — | — |
| Referral bonus | 5 SGD Friend transfer of at least S$50 | 5 USD Friend transfer of at least US$50 | 5 USD Referral program ongoing |
| Limits | |||
| Daily spending limit | — | — | — |
| Monthly spending limit | — | — | — |
| ATM withdrawal limit | 3,000 SGD S$3,000 per transaction; S$10,000 per day; S$100,000 per month; max 20 transactions per day | 3,000 USD US$3,000 per transaction; US$10,000 per day; US$100,000 per month; max 20 transactions per day | 10,000 USD US$10,000 per transaction; US$50,000 per week; max 50 transactions per week |
| Card network |
Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Regions and language support
Application status based on public sources, official policy, and user reports. This is not application advice.
Unsupported or restricted regions
Applications or features are unavailable or restricted
NigerNEMaltaMTBelgiumBEPalauPWEl SalvadorSVMacaoMOBangladeshBDMexicoMXHondurasHNKyrgyzstanKGVenezuelaVENorth MacedoniaMKSwitzerlandCHGambiaGMItalyITBulgariaBGSolomon IslandsSBCyprusCYCambodiaKHPolandPLBahamasBSTajikistanTJTrinidad & TobagoTTSouth AfricaZALuxembourgLUIndonesiaIDPanamaPALebanonLBMonacoMCBahrainBHSri LankaLKSaudi ArabiaSAGeorgiaGESt. LuciaLCGermanyDENicaraguaNIGuatemalaGTNorth KoreaKPChileCLSpainESTanzaniaTZSierra LeoneSLUnited StatesUSEquatorial GuineaGQMozambiqueMZGreeceGRBrazilBRDominicaDMCanadaCASt. Vincent & GrenadinesVCBhutanBTKuwaitKWMoroccoMAMarshall IslandsMHMyanmar (Burma)MMNauruNRGhanaGHPapua New GuineaPGRussiaRUAzerbaijanAZIndiaINSerbiaRSEgyptEGBotswanaBWGuyanaGYSeychellesSCIraqIQSenegalSNNorwayNOTogoTGMalawiMWTurkmenistanTMAntigua & BarbudaAGArgentinaARBurkina FasoBFAustriaATFijiFJNigeriaNGBeninBJCosta RicaCRIrelandIEChinaCNMongoliaMNVanuatuVUGuineaGNAlgeriaDZMontenegroMENamibiaNACzechiaCZMauritaniaMRIranIRHungaryHUZambiaZMLiberiaLRRomaniaROCongo - KinshasaCDSurinameSRVatican CityVAAngolaAONew ZealandNZCape VerdeCVGabonGAComorosKMSlovakiaSKKiribatiKINetherlandsNLBelarusBYLibyaLYKazakhstanKZBosnia & HerzegovinaBASloveniaSILatviaLVCongo - BrazzavilleCGEritreaERJamaicaJMPortugalPTZimbabweZWGuinea-BissauGWCentral African RepublicCFCôte d’IvoireCICroatiaHRTongaTOSomaliaSOEswatiniSZBurundiBIGrenadaGDUnited Arab EmiratesAEEcuadorECOmanOMJordanJOFinlandFITunisiaTNLaosLAAlbaniaALRwandaRWMadagascarMGMauritiusMUUgandaUGYemenYEBarbadosBBUzbekistanUZUkraineUAQatarQAMoldovaMDBoliviaBOSamoaWSDominican RepublicDOChadTDSan MarinoSMHaitiHTTürkiyeTRTimor-LesteTLEstoniaEEPeruPECubaCUColombiaCOEthiopiaETBruneiBNSwedenSEAfghanistanAFSão Tomé & PríncipeSTTuvaluTVIcelandISMaliMLSyriaSYArmeniaAMSudanSDLiechtensteinLIAndorraADMaldivesMVKenyaKEBelizeBZParaguayPYDjiboutiDJLesothoLSCameroonCMDenmarkDKNepalNPPakistanPKSt. Kitts & NevisKNUruguayUYFranceFRLithuaniaLTIsraelILUnited KingdomGBSouth SudanSS
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
Availability in English-Speaking Markets
1. United States：Cannot apply，Can use，DeCard applications are currently limited to Singapore citizens, permanent residents and foreigners residing in Singapore; an eligible Singapore-issued card supports international purchases and ATM use.
2. United Kingdom：Cannot apply，Can use，UK residents cannot apply solely on the basis of UK residence because foreign applicants must reside in Singapore; an eligible DeCard can be used internationally.
3. Canada：Cannot apply，Can use，Canadian residents are outside the current Singapore-based onboarding scope unless they reside in Singapore and meet its verification requirements; an eligible issued card supports international spending.
4. Australia：Cannot apply，Can use，Australian residence alone does not qualify for issuance because DeCard’s foreign-applicant process is for foreigners residing in Singapore; an eligible card can be used internationally.
5. South Africa：Cannot apply，Can use，South African residents cannot apply solely from South Africa because foreign applicants must complete the Singapore-based onboarding process; an eligible issued card supports overseas spending.
6. New Zealand：Cannot apply，Can use，New Zealand residents are outside the current issuance scope unless they reside in Singapore and satisfy DeCard’s identity and address requirements; an eligible card can be used internationally.
7. Ireland：Cannot apply，Can use，Irish residents cannot apply solely on Irish residency because DeCard currently onboards Singapore residents and foreigners residing in Singapore; an eligible issued card supports international spending.
Updated: Sep 14, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
YesRequiredAccepted documents
Passport / National ID / Driver's license / Residence permit
Review time / regional limits
Complete documents usually pass in minutes; additional documents and manual review take about 1–3 business days.
KYC provider
Sumsub
Updated
Aug 11, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported11
Not supported1
UpdatedAug 11, 2026
Wallet payments
Alipay
Supported
Aug 11, 2026
Wallet payments
Apple Pay
Not supported
Aug 11, 2026
Cash services
ATM withdrawal
Supported
Aug 11, 2026
AI tools
ChatGPT
Supported
Aug 11, 2026
AI tools
Claude
Supported
Aug 11, 2026
Wallet payments
Google Pay
Supported
Aug 11, 2026
AI tools
Midjourney
Supported
Aug 11, 2026
In-person payments
Offline POS
Supported
Aug 11, 2026
Online shopping
Online shopping
Supported
Aug 11, 2026
Wallet payments
PayPal
Supported
Aug 11, 2026
Subscriptions
Subscription payment
Supported
Aug 11, 2026
Wallet payments
WeChat Pay
Supported
Aug 11, 2026
Review
Read the editorial review, its verdict and latest update.
No review yet
No review has been published for this card. Published reviews appear here.
User reviews
Showing 10 approved reviews matched to this card
DCS DeCard Google Play review - 3 star
no longer offer virtual card. only phyiscal card.
View original DCS DeCard Google Play review - 1 star
Screen flickers and Page not found on tabs - Depoints, Referral... D-Vault gone.. April 22, 2026
View original DCS DeCard Google Play review - 1 star
You will not be able to pass verification.
View original Will no recommend!Account frozen for no reason after 1st deposit
I tried to deposit $10 sgd using my bank account with my full name on it and after the money is out of my bank DCS froze my account citing I use third party deposits. CS is almost non existent and when I reach out to one in telegram, they just give a standard answer and ask me to wait 10 business days. How can they be trusted as a financial wallet when a simple bank deposit takes them so long to resolve?
View original DCS DeCard Google Play review - 1 star
useless apps
View original DCS DeCard Google Play review - 1 star
DO NOT DOWLOAD THE APP FOR YOU OWN GOOD. ITS A APP THAT WILL SCAM U
View original DCS DeCard Google Play review - 1 star
I joined before coming, why did my score drop by 25? Daily used to give me 25, then why did it drop by 50? tasokon score😭😭
View original DCS DeCard Google Play review - 1 star
unable to topup to pay my card bill. app kept having error.
View original Not user friendly
Customers service can’t help, when you want to close account they told you leave it to close by itself but there will be a inactive account charge. App not user friendly, it can’t close account. Not recommended, very risky to use
View original DCS DeCard Google Play review - 1 star
Not worth having.
View original Risk factors
Updated: Aug 11, 2026
No risk factors are available
Frequently asked questions
Answers drawn from the published record on this page.
Does Decard Card require KYC?
Our record lists the Decard Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.
Does Decard Card support Apple Pay and Google Pay?
Apple Pay: Not supported. Google Pay: Supported.
Which assets can I top up Decard Card with?
Our record lists Decard Card support for: USDT and USDC.
Is Decard Card a virtual or a physical card?
Decard Card is offered as: Virtual + physical card and Virtual + metal card.
Where is Decard Card available?
Our record lists 10 countries or regions as available and 186 as restricted. Country-by-country status is in the regions section of this page.
Who issues Decard Card?
Decard Card is operated by DeCard (DCS Card Centre) on the Mastercard / Visa network.