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Comparison

Azura Card vs. SiraPay Card compared

  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Azura CardAzura
  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on SiraPay CardSiraPay

In short

  • Azura Card has the lowest foreign currency fee (0 % above the network rate).
  • Azura Card has the higher score (53.45).
Attribute Azura CardAzura No KYC Private & business Virtual SiraPay CardSiraPay No KYC Private & business Virtual
Score average average
CostsWeight 25 % 74 23
KYC and privacyWeight 20 % 53 53
FeaturesWeight 15 % 30 50
AvailabilityWeight 10 % not scored not scored
RewardsWeight 10 % not scored 100
TrustWeight 10 % 50 66
CommunityWeight 10 % not scored not scored
KYC KYC: No ID KYC: No ID
Limits (entry level)
  • Spending per day: only in the app
  • Spending per month: only in the app
  • Balance in total: only in the app
+1
  • Top-up per transaction: only in the app
Basics
Card form
prepaid Source and check Source azura.cards Wording at the source Every card is bought together with its first top-up. The card number, expiry date and security code appear in your dashboard once that top-up is confirmed. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
prepaid Source and check Source sirapays.com Wording at the source Then create a card, top it up from your wallet and pay online like any Visa card. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card types
virtual Source and check Source azura.cards Wording at the source These terms govern the Azura website and the Azura service: crypto-funded virtual cards for advertising, AI tools, cloud services and subscriptions. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
virtual Source and check Source sirapays.com Wording at the source - Create a card in minutes and use it at any online checkout that accepts Visa or Mastercard. - Copy the card number, expiry date and CVV. There is no plastic to wait for. - Top up with crypto or a su... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card network (differs)
only in the app Source and check Source azura.cards Wording at the source The cards are issued by a third-party card issuer; Azura provides your account, the dashboard and support. The card network (Visa or Mastercard) is shown on your issued card. Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean?
Visa Source and check Source sirapays.com Wording at the source Every card is privacy-first and runs on Visa. New users get a launch discount with the code for each card. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Custody
custodial Source and check Source azura.cards Wording at the source Loaded balances are funds for spending through the service, not bank deposits. They do not earn interest or carry deposit insurance, and funding is exposed to applicable fees, exchange-rate movements... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
custodial Source and check Source sirapays.com Wording at the source ### Licensed partners Funds are held securely with licensed financial providers. SiraPay does not hold your funds directly. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Funding model
fiat balance Source and check Source azura.cards Wording at the source The flow is crypto deposit → USD account balance → card balance. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
fiat balance Source and check Source sirapays.com Wording at the source Virtual cards act as a bridge between your crypto wallet and global merchants. Platforms like SiraPay allow users to convert USDT into usable virtual payment cards for seamless transactions. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card currencies
USD Source and check Source azura.cards Wording at the source Currency and spending limits. Account and card balances are in USD. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
USD Source and check Source sirapays.com Wording at the source FX feeOn payments in a currency other than USD.1.5% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Usage
personal, business Source and check Source azura.cards Wording at the source Azura serves both business customers and individual customers through the same dashboard and service. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
personal, business Source and check Source sirapays.com Wording at the source ### Freelancers Client payments, tool subscriptions, and personal spending don't have to live on one card. Open a dedicated SiraPay card for each client or project, so your books stay clean and nothi... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Issuer / BIN sponsor (differs)
not published Source and check Source azura.cards Wording at the source The cards are issued by a third-party card issuer; Azura provides your account, the dashboard and support. Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Standard Chartered Bank Source and check Source sirapays.com Wording at the source Card issuance is provided by Standard Chartered Bank, pursuant to a license from Visa. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Limits depend on
unknown
unknown
Cards per account
unknown
unknown
Availability
Available in
unknown
unknown
Crypto
Supported assets (differs)
BTC, ETH, USDT, USDC, LTC, XMR Source and check Source azura.cards Wording at the source USDT (BNB Chain, Tron, Ethereum or Solana), USDC (Ethereum), Bitcoin, Ethereum, Litecoin and Monero (XMR). Pick the coin and network in the deposit dialog and send exactly that; a transfer on another... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
unknown
Number of supported assets
unknown
unknown
Top-up networks (differs)
Bitcoin, Ethereum, Tron, BNB Smart Chain, Solana, Litecoin Source and check Source azura.cards Wording at the source USDT (BNB Chain, Tron, Ethereum or Solana), USDC (Ethereum), Bitcoin, Ethereum, Litecoin and Monero (XMR). Pick the coin and network in the deposit dialog and send exactly that; a transfer on another... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
unknown
Fiat top-up (differs)
No Source and check Source azura.cards Wording at the source The flow is crypto deposit → USD account balance → card balance. Deposits are processed by a third-party crypto payment processor. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Yes Source and check Source sirapays.com Wording at the source - Fund your way: top up with crypto or a supported fiat method, with 24/7 in-app support Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Payments
Mobile wallets (differs)
– Source and check Source azura.cards Wording at the source Spending limits, restricted merchant categories and other card restrictions apply as shown in the card rules in your dashboard; cash access, offline use and phone wallets are not supported. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
unknown
ATM withdrawals
No Source and check Source azura.cards Wording at the source Spending limits, restricted merchant categories and other card restrictions apply as shown in the card rules in your dashboard; cash access, offline use and phone wallets are not supported. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
No Source and check Source sirapays.com Wording at the source ## ATM withdrawals For the SiraPay physical card, which is coming soon. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Contactless (differs)
No Source and check Source azura.cards Wording at the source No. Azura cards cannot be added to Apple Pay, Google Pay or another phone wallet. Use the card number, expiry and security code at an online card checkout instead. Every card is bought together with i... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
unknown
Fees
Virtual card issuance (differs)
5.00 USD promotion, no end date stated Source and check Source azura.cards Wording at the source | Card creation | $5.00 (launch offer, regular $10.00) | Once for each new card | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? , regular 10.00 USD Source and check Source azura.cards Wording at the source | Card creation | $5.00 (launch offer, regular $10.00) | Once for each new card | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
only in the app Source and check Source sirapays.com Wording at the source Virtual cardCheck the app Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Physical card issuance (differs)
not applicable Source and check Source azura.cards Wording at the source These terms govern the Azura website and the Azura service: crypto-funded virtual cards for advertising, AI tools, cloud services and subscriptions. Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean?
unknown
Free cards
unknown
unknown
Shipping
not applicable Source and check Source azura.cards Wording at the source These terms govern the Azura website and the Azura service: crypto-funded virtual cards for advertising, AI tools, cloud services and subscriptions. Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean?
not applicable Source and check Source sirapays.com Wording at the source Physical cardComing soon Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Monthly fee (differs)
0.00 USD Source and check Source azura.cards Wording at the source | Monthly maintenance | $0.00 | No monthly subscription; the $29 monthly spending requirement below is activity, not a fee | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
unknown
Annual fee (differs)
0.00 USD Source and check Source azura.cards Wording at the source There is no subscription plan and, because balances are not paid out, no withdrawal fee. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
unknown
Top-up fee (differs)
4 % Source and check Source azura.cards Wording at the source | Card top-up | 4% | Deducted from each top-up, at least $20. Example: a $100 top-up puts $96 on the card. | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
only in the app Source and check Source sirapays.com Wording at the source Card top-up feeCheck the app Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Crypto deposit fee (differs)
0.6 % Source and check Source azura.cards Wording at the source | Crypto deposit | 0.6% | Added to the requested USD account credit | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Crypto conversion fee
unknown
unknown
Foreign currency fee (differs)
0 % above the network rate Source and check Source azura.cards Wording at the source | Azura FX markup | 0% | The card network's conversion rate still applies | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
1.5 % Source and check Source sirapays.com Wording at the source 1.5% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
FX free allowance
unknown
unknown
Minimum FX fee
unknown
unknown
ATM fee (differs)
not applicable Source and check Source azura.cards Wording at the source Spending limits, restricted merchant categories and other card restrictions apply as shown in the card rules in your dashboard; cash access, offline use and phone wallets are not supported. Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean?
2 % + 2.00 USD Source and check Source sirapays.com Wording at the source ATM withdrawal handling fee$2 + 2% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Transaction fee
unknown
unknown
Cross-border fee
unknown
unknown
Withdrawal fee
unknown
unknown
Activation fee
unknown
unknown
Minimum top-up
unknown
unknown
Declined payment fee
unknown
unknown
Refund fee
unknown
unknown
Inactivity fee (differs)
not applicable Source and check Source azura.cards Wording at the source Keep your card active. Spend at least $29 per month on each card to keep it active. This is spending with merchants, not a monthly Azura fee. After three inactive months, the card is retired and its r... Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Minimum monthly spend
unknown
unknown
Inactivity rule
unknown
unknown
Card replacement
unknown
unknown
Rewards
Cashback
not applicable Source and check Source azura.cards Wording at the source ## Referral programme For each person who registers through your personal invitation link, you receive $5.00 of account credit once that person has topped up a total of $500.00 onto their Azura cards... Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
not applicable Source and check Source sirapays.com Wording at the source ### Does SiraPay offer cashback? No. SiraPay does not offer cashback. Every new account gets a $2 welcome bonus, and the tasks to unlock it are shown in the app. Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Referral bonus (invited friend)
unknown
unknown
Referral bonus (you) (differs)
5 USD Source and check Source azura.cards Wording at the source For each person who registers through your personal invitation link, you receive $5.00 of account credit once that person has topped up a total of $500.00 onto their Azura cards, and a further $5.00 f... Checked Verified Value wrong? No earlier versions What does [s] mean?
unknown
Welcome bonus
unknown
unknown

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