Comparison
Coin98 Fusion Card vs. UPay Card: fees, limits & KYC
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coin98.com30 Oct 2026
Image source
Source
coin98.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Coin98 Fusion CardCoin98
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
UPay CardUPay
In short
- Coin98 Fusion Card has the best score (57.52).
| Attribute |
Coin98 Fusion CardCoin98
|
UPay CardUPay
|
|---|---|---|
| Overview | Requires KYC Private Virtual | Requires KYC Private & business Virtual Physical Metal |
| Score | average | average with variant Platinum Physical Card: 54.04 with variant Precious Card: 55.09 with variant VIP Premier Metal Card: 49.25 |
| CostsWeight 25 % | 68 | 70 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 76 | 72 |
| AvailabilityWeight 10 % | not scored | not scored |
| RewardsWeight 10 % | not scored | 0 |
| TrustWeight 10 % | 72 | 82 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
no limits captured |
| Basics | ||
| Card formsame for all |
credit
docs.coin98.com checked 30 Oct 2026
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Source
docs.coin98.com
Wording at the source
This is a micro credit card, which may allow small purchases (e.g., transportation fees) even with an insufficient balance, causing a negative balance.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
credit
upay.com checked 29 Oct 2026
Source and check
Source
upay.com
Wording at the source
Link your UPay credit card to Apple Pay or Google Pay for a more convenient payment experienceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card typessame for all |
virtual
docs.coin98.com checked 30 Oct 2026
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Source
docs.coin98.com
Wording at the source
### Key Features of Coin98 Fusion Card - Virtual card (no physical card needed) - Works anywhere Visa is acceptedChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
virtual
upay.com checked 29 Oct 2026
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Source
upay.com
Wording at the source
Premier Virtual Card USD Settlement - Card Type:Virtual CardChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
physical
upay.com checked 29 Oct 2026
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Source
upay.com
Wording at the source
Premier Physical Card USD Settlement - Card Type:Physical CardChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
physical
upay.com checked 29 Oct 2026
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Source
upay.com
Wording at the source
Platinum Physical Card NEW - Card Type:Physical CardChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
physical
upay.com checked 29 Oct 2026
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Source
upay.com
Wording at the source
Precious Card HK$ - Card Type:Physical CardChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
physical, metal
upay.com checked 29 Oct 2026
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Source
upay.com
Wording at the source
VIP Premier Metal Card VIP - Card Type:Physical CardChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card networksame for all |
Visa
docs.coin98.com checked 30 Oct 2026
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Source
docs.coin98.com
Wording at the source
Coin98 Fusion Card is a Visa card linked to your Coin98 Super Wallet - top up with crypto and spend like cash anywhere Visa is accepted: online, in-store, or via Apple/Google Pay where supported. Curr...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Visa
blog.upay.com checked 29 Oct 2026
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Source
blog.upay.com
Wording at the source
UPay's current consumer Premier and Platinum cards run on Visa, and money reaches the card from your UPay wallet through the app's Collateral/Recharge screen, not by a transfer to a linked card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custodysame for all |
custodial
docs.coin98.com checked 30 Oct 2026
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Source
docs.coin98.com
Wording at the source
1.1.4. All payments made by you to increase the Available Amount reflected in the D-Vault (in all such cases, "Prepayments") shall, upon receipt by DCS, be deemed irrevocably transferred to and become...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
custodial
blog.upay.com checked 29 Oct 2026
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Source
blog.upay.com
Wording at the source
Your funds sit with UPay rather than in a wallet you control yourself.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
converted on spend
docs.coin98.com checked 30 Oct 2026
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Source
docs.coin98.com
Wording at the source
Your crypto is instantly converted when you payChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
converted on spend
upay.com checked 29 Oct 2026
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Source
upay.com
Wording at the source
Supports major cryptos like BTC, ETH, USDT, USDC. Payments convert automatically to USD, EUR, AED, and other local currencies.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies (differs)same for all |
SGD, USD
docs.coin98.com checked 30 Oct 2026
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Source
docs.coin98.com
Wording at the source
The core difference is billing currency: the USD Card bills all transactions in US Dollars, while the SGD Card bills in Singapore Dollars.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
HKD, USD
upay.com checked 29 Oct 2026
Source and check
Source
upay.com
Wording at the source
Premier Virtual Card USD Settlement - Card Type:Virtual Card - Card Currency:USD - Card Issuance Fee:10.00 USDT - Recharge Fee:2.00% Premier Physical Card USD Settlement - Card Type:Physical Card...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage (differs)same for all |
personal
docs.coin98.com checked 30 Oct 2026
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Source
docs.coin98.com
Wording at the source
13.4.3. Only use the Card for your own personal transactions not for business purposes;Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
personal, business
blog.upay.com checked 29 Oct 2026
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Source
blog.upay.com
Wording at the source
Experience the Best of Online Payment with UPay. Flex with personal & business needs, whether online or offline. Purchase, swap, save, and send from one dashboard — Any time. Any place. No comprom...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsorsame for all |
DCS Card Centre Pte. Ltd.
docs.coin98.com checked 30 Oct 2026
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Source
docs.coin98.com
Wording at the source
"We", "us", "our", "ourselves", and "DCS" means DCS Card Centre Pte. Ltd. and shall include our affiliates, successors and assigns.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Limits depend onsame for all | unknown | |
| Cards per accountsame for all | unknown | |
| Unknown for all | Limits depend on · Cards per account | |
| Availability | ||
| Available insame for all | unknown | |
| Unknown for all | Available in | |
| Crypto | ||
| Supported assets (differs)same for all |
USDT, USDC
docs.coin98.com checked 30 Oct 2026
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Source
docs.coin98.com
Wording at the source
Supported tokens for top up: Token Ethereum Solana Polygon Base Tron USDT USDCChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
BTC, ETH, USDT
blog.upay.com checked 29 Oct 2026
Source and check
Source
blog.upay.com
Wording at the source
UPay is the most well-rounded crypto card for freelancers who earn globally and spend locally. The card, which supports 50+ assets, lets you use cryptocurrencies like BTC, ETH, or USDT for everyday sp...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| Number of supported assetssame for all | unknown |
50
blog.upay.com checked 29 Oct 2026
Source and check
Source
blog.upay.com
Wording at the source
UPay is the most well-rounded crypto card for freelancers who earn globally and spend locally. The card, which supports 50+ assets, lets you use cryptocurrencies like BTC, ETH, or USDT for everyday sp...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up networks (differs)same for all |
Ethereum, Tron, Solana, Polygon, Base
docs.coin98.com checked 30 Oct 2026
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Source
docs.coin98.com
Wording at the source
Supported tokens for top up: Token Ethereum Solana Polygon Base Tron USDT USDCChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Bitcoin, Ethereum, Tron
blog.upay.com checked 29 Oct 2026
Source and check
Source
blog.upay.com
Wording at the source
Choose the correct network: For USDT, TRC-20 (Tron) is faster and cheaper than ERC-20 (Ethereum). Always match the network to the address Upay provides for that asset. 6. Confirm and send: Submit the...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fiat top-upsame for all | unknown | |
| Unknown for all | Fiat top-up | |
| Payments | ||
| Mobile wallets (differs)same for all |
Apple Pay
Google Pay
docs.coin98.com checked 30 Oct 2026
Source and check
Source
docs.coin98.com
Wording at the source
Spend anywhere: Use your Coin98 Fusion Card online/offline with Apple/Google Pay wherever VISA is accepted.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
Samsung Pay
blog.upay.com checked 29 Oct 2026
Source and check
Source
blog.upay.com
Wording at the source
It links directly to Apple Pay, Google Pay, Samsung Pay, and Alipay, giving it one of the broadest contactless payment footprints on this list.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| ATM withdrawalssame for all |
Yes
docs.coin98.com checked 30 Oct 2026
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Source
docs.coin98.com
Wording at the source
Yes, you can withdraw cash from your Coin98 Fusion Card at any supported ATM. The withdrawal limit is up to SGD 10,000 per day and up to SGD 100,000 per month. A 1% withdrawal fee or SGD 5 (whichever...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Yes
upay.com checked 29 Oct 2026
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Source
upay.com
Wording at the source
Yes. The UPay card works at millions of merchants and ATMs worldwide.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactlesssame for all |
Yes
docs.coin98.com checked 30 Oct 2026
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Source
docs.coin98.com
Wording at the source
Once added, you can tap-to-pay in stores and pay online where supported.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Yes
blog.upay.com checked 29 Oct 2026
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Source
blog.upay.com
Wording at the source
In-store with the physical card: Insert or tap the card. Enter your PIN when prompted.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuancesame for all | unknown |
10.00 USDT
upay.com checked 29 Oct 2026
Source and check
Source
upay.com
Wording at the source
Premier Virtual Card USD Settlement - Card Type:Virtual Card - Card Currency:USD - Card Issuance Fee:10.00 USDT - Recharge Fee:2.00%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuancesame for all |
not applicable
docs.coin98.com checked 30 Oct 2026
Source and check
Source
docs.coin98.com
Wording at the source
Virtual card issuance $9 Physical card issuance if applicable N/A Physical Card Replacement Fee N/AChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
100.00 USDT
upay.com checked 29 Oct 2026
Source and check
Source
upay.com
Wording at the source
Premier Physical Card USD Settlement - Card Type:Physical Card - Card Currency:USD - Card Issuance Fee:100.00 USDT - Recharge Fee:2.00%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
100.00 USDT
upay.com checked 29 Oct 2026
Source and check
Source
upay.com
Wording at the source
Platinum Physical Card NEW - Card Type:Physical Card - Card Currency:USD - Card Issuance Fee:100.00 USDT - Recharge Fee:2.00%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
100.00 USDT
upay.com checked 29 Oct 2026
Source and check
Source
upay.com
Wording at the source
Precious Card HK$ - Card Type:Physical Card - Card Currency:HKD - Card Issuance Fee:100.00 USDT - Recharge Fee:1.00%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
200.00 USDT
upay.com checked 29 Oct 2026
Source and check
Source
upay.com
Wording at the source
VIP Premier Metal Card VIP - Card Type:Physical Card - Card Currency:USD - Card Issuance Fee:200.00 USDT - Recharge Fee:2.00%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | |
| Shippingsame for all |
not applicable
docs.coin98.com checked 30 Oct 2026
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Source
docs.coin98.com
Wording at the source
Physical Card Replacement Fee N/A Delivery fee if applicable N/AChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Monthly feesame for all | unknown | |
| Annual feesame for all |
0.00 USD
docs.coin98.com checked 30 Oct 2026
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Source
docs.coin98.com
Wording at the source
Fees and Charges Coin98 Fusion Card Annual Fee $0Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
0.00 USD
blog.upay.com checked 29 Oct 2026
Source and check
Source
blog.upay.com
Wording at the source
| Upay | Up to $200,000 | 50+ assets | None | No FX fees, no annual fees | None Currently |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up feesame for all | unknown |
2 %
upay.com checked 29 Oct 2026
Source and check
Source
upay.com
Wording at the source
Premier Virtual Card USD Settlement - Card Type:Virtual Card - Card Currency:USD - Card Issuance Fee:10.00 USDT - Recharge Fee:2.00%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
1 %
upay.com checked 29 Oct 2026
Source and check
Source
upay.com
Wording at the source
Precious Card HK$ - Card Type:Physical Card - Card Currency:HKD - Card Issuance Fee:100.00 USDT - Recharge Fee:1.00%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto deposit feesame for all | unknown | |
| Crypto conversion feesame for all |
1 %
docs.coin98.com checked 30 Oct 2026
Source and check
Source
docs.coin98.com
Wording at the source
Digital Asset Conversion Fee 1%Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Foreign currency feesame for all |
1.7 %
docs.coin98.com checked 30 Oct 2026
Source and check
Source
docs.coin98.com
Wording at the source
"Foreign Exchange Conversion Charge" means a 1.7% conversion commission (or the other rate as may be notified or amended by DCS from time to time) to be added to the retail rate offered by DCS during...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| FX free allowancesame for all | unknown | |
| Minimum FX feesame for all | unknown | |
| ATM feesame for all |
1 % (min. 5.00 SGD)
docs.coin98.com checked 30 Oct 2026
Source and check
Source
docs.coin98.com
Wording at the source
ATM Withdrawal Fee 1% of the Cash Withdrawal Amount or S$5 (whichever is greater) per Cash Withdrawal; plus any service charge or other fee imposed by the ATM operator in respect of an ATM Cash Withd...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
1 %
blog.upay.com checked 29 Oct 2026
Source and check
Source
blog.upay.com
Wording at the source
| Charge | Virtual Premier and Platinum | Physical Premier and Platinum | |---|---|---| | Issuance | 10 USDT | 100 USDT | | Recharge, called collateral | 2% | 2% | | Replacement | 10 USDT | Not publis...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction feesame for all | unknown | |
| Cross-border feesame for all |
1.7 %
docs.coin98.com checked 30 Oct 2026
Source and check
Source
docs.coin98.com
Wording at the source
All transactions in foreign currencies will be subject to an administrative fee of 1.7% All card transactions (including reversals and refunds) in Singapore dollars but processed overseas will be subj...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Withdrawal feesame for all | unknown | |
| Activation feesame for all | unknown | |
| Minimum top-upsame for all | unknown | |
| Declined payment feesame for all | unknown | |
| Refund feesame for all | unknown | |
| Inactivity feesame for all |
not published
docs.coin98.com checked 30 Oct 2026
Source and check
Source
docs.coin98.com
Wording at the source
1.5.3. 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.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Minimum monthly spendsame for all | unknown | |
| Inactivity rulesame for all |
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.
docs.coin98.com checked 30 Oct 2026
Source and check
Source
docs.coin98.com
Wording at the source
1.5.3. 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.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Card replacementsame for all |
not applicable
docs.coin98.com checked 30 Oct 2026
Source and check
Source
docs.coin98.com
Wording at the source
Physical card issuance if applicable N/A Physical Card Replacement Fee N/A Delivery fee if applicable N/AChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Unknown for all | Free cards · Monthly fee · Crypto deposit fee · FX free allowance · Minimum FX fee · Transaction fee · Withdrawal fee · Activation fee · Minimum top-up · Declined payment fee · Refund fee · Minimum monthly spend | |
| Rewards | ||
| Cashbacksame for all | unknown |
0 %
blog.upay.com checked 29 Oct 2026
Source and check
Source
blog.upay.com
Wording at the source
| Upay | Up to $200,000 | 50+ assets | None | No FX fees, no annual fees | None Currently |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Referral bonus (invited friend)same for all | unknown | |
| Referral bonus (you)same for all |
Tiered commission rewards, up to 50% (rate grows with the referrer's XP tier)
docs.coin98.com checked 30 Oct 2026
Source and check
Source
docs.coin98.com
Wording at the source
Your commission rate grows as your network grows. By accumulating XP from your Direct and Indirect Invitees' eligible activities within a 30-day rolling window, you can level up and unlock higher comm...Checked Verified Value wrong? No earlier versions What does [s] mean? |
|
| Welcome bonussame for all | unknown | |
| Unknown for all | Referral bonus (invited friend) · Welcome bonus | |
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
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One mail when something changes at Coin98 Fusion Card · UPay Card: promotions and bonuses as well as warnings and incidents.