# Coin98 Fusion Card vs. UPay Card: fees, limits & KYC

- Coin98 Fusion Card has the best score (57.52).

Entry variant: UPay Card: Premier Virtual Card.

## Basics

|  | Coin98 Fusion Card | UPay Card |
| --- | --- | --- |
| Card form | credit | credit |
| Card types | virtual | virtual |
| Card network | Visa | Visa |
| Custody | custodial | custodial |
| Funding model | converted on spend | converted on spend |
| **Card currencies** | SGD, USD | HKD, USD |
| **Usage** | personal | personal, business |
| Issuer / BIN sponsor | DCS Card Centre Pte. Ltd. | unknown |
| Limits depend on | unknown | unknown |
| Cards per account | unknown | unknown |

## Availability

|  | Coin98 Fusion Card | UPay Card |
| --- | --- | --- |
| Available in | unknown | unknown |

## Crypto

|  | Coin98 Fusion Card | UPay Card |
| --- | --- | --- |
| **Supported assets** | USDT, USDC | BTC, ETH, USDT |
| Number of supported assets | unknown | 50 |
| **Top-up networks** | Ethereum, Tron, Solana, Polygon, Base | Bitcoin, Ethereum, Tron |
| Fiat top-up | unknown | unknown |

## Payments

|  | Coin98 Fusion Card | UPay Card |
| --- | --- | --- |
| **Mobile wallets** | Apple Pay, Google Pay | Apple Pay, Google Pay, Samsung Pay |
| ATM withdrawals | Yes | Yes |
| Contactless | Yes | Yes |

## Fees

|  | Coin98 Fusion Card | UPay Card |
| --- | --- | --- |
| Virtual card issuance | unknown | 10.00 USDT |
| Physical card issuance | not applicable | unknown |
| Free cards | unknown | unknown |
| Shipping | not applicable | unknown |
| Monthly fee | unknown | unknown |
| Annual fee | 0.00 USD | 0.00 USD |
| Top-up fee | unknown | 2 % |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee | 1 % | unknown |
| Foreign currency fee | 1.7 % | unknown |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee | 1 % (min. 5.00 SGD) | unknown |
| Transaction fee | unknown | unknown |
| Cross-border fee | 1.7 % | 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 | not published | unknown |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | DCS reserves the right to charge you an inactivity fee should you fail to log into the Coin98 Super Wallet App for any period of time which is longer than 90 calendar days. | unknown |
| Card replacement | not applicable | unknown |

## Rewards

|  | Coin98 Fusion Card | UPay Card |
| --- | --- | --- |
| Cashback | unknown | 0 % |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | Tiered commission rewards, up to 50% (rate grows with the referrer's XP tier) | unknown |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Coin98 Fusion Card | UPay Card |
| --- | --- | --- |
| Limits (entry level) | Spending per year 200,000 SGD · ATM per day 10,000 SGD · ATM per month 100,000 SGD | no limits captured |

- [Coin98 Fusion Card](https://cryptocardss.com/en/coin98-fusion-card.md)
- [UPay Card](https://cryptocardss.com/en/upay-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/coin98-fusion-card-vs-upay-card/
- **As of:** 30 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 30 Oct 2026, https://cryptocardss.com/en/compare/coin98-fusion-card-vs-upay-card/