| Card form | Virtual + physical card | Virtual + physical card | Virtual + metal card | Virtual + physical card |
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| Fees | | | | |
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| Monthly fee | Free Free for members, no ongoing monthly fee. | Free Free for members, no ongoing monthly fee | Free Free for members, no ongoing monthly fee | Free Free for members, no ongoing monthly fee |
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| Card issuance fee | 50 USD First card free; 50 USD including delivery; additional 10 USD. | 10 USD First 4 cards and first card free; additional 10 USD, 100 USD. First card free shipping. | 10 USD First 10 cards and first 2 cards free; additional 10 USD, 100 USD | Free And first 2 cards free, only for invited members |
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| ATM fee | 2% Charged per withdrawal amount. | 2% Charged per ATM withdrawal | 2% Charged per ATM withdrawal | 2% Specific limit according to account settings |
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| Foreign exchange fee | 0.5% Calculated based on transaction currency; fee between 0% and 0.5%. | 0.25% Calculated on transaction currency, range 0%–0.25% | Free No additional foreign exchange markup | Free No additional foreign exchange markup |
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| Top-up fee | — | — | — | — |
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| Failed transaction fee | Free Declined transactions do not deduct funds. | Free Declined transactions incur no charge | Free Declined transactions incur no charge | Free Declined transactions incur no charge |
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| Rewards | | | | |
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| Cashback | — | — | — | — |
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| Crypto cashback | 3% Decreases with cumulative monthly spending; cashback rate between 0.5% and 3%. | 3% Tiered decreasing by spend, range 0.5%–3% | 3% Tiered decreasing by high spend, range 0.5%–3% | 0% Member-exclusive cashback, rate determined by invitation benefits |
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| Staking rewards | — | — | — | — |
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| Staking APR | — | — | — | — |
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| Welcome bonus | — | — | — | — |
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| Referral bonus | 10% Calculated based on referred user activity; referrer receives 1% of referred user's cashback and 10% of deposit points. | 10% 1% cashback on spending and 10% top-up points, calculated based on referred user activity | 1% 1% cashback on spending and 10% top-up points, calculated based on referred user activity | 0.99% 1% cashback on spending and 10% top-up points, calculated based on referred user activity |
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| Limits | | | | |
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| Daily spending limit | 30,000 USD Actually controlled by self-set limits. | 50,000 USD Actually controlled by self-set limits | 100,000 USD Actually controlled by self-set limits | — |
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| Monthly spending limit | — | — | — | — |
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| ATM withdrawal limit | 1,500 USD 500 USD per transaction; 1,500 USD per 24 hours; maximum three withdrawals per day. | 1,500 USD 500 USD per transaction; 1,500 USD per 24 hours; maximum three withdrawals per day | 1,500 USD 500 USD per transaction; 1,500 USD per 24 hours; maximum three withdrawals per day | — |
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| Card network | VISA | VISA | VISA | VISA |
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