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Image source Source thedecard.com Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only.

by DeCard

DeCard Visa Card

Requires KYC Private Virtual Physical

checked 29 Oct 2026 Source and check Checked29 Oct 2026 Verified29 Oct 2026 Updated29 Oct 2026 “checked” is the last time the source was found unchanged; “verified” is the last time the value was read from the source. “updated” is the last real value change. What does [s] mean? Something missing? Alerts

Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on
Score average of 100

How it is made up ↓Methodology →

To DeCard

Basicsdecard-visa-card

Card form
credit Source and check Source help.thedecard.com Wording at the source Once your DeCard application is approved, you'll receive a virtual card with a starting credit limit assigned by DCS. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card types
virtual, physical Source and check Source help.thedecard.com Wording at the source Virtual card issuance S$0 US$0 US$0 Physical card issuance if applicable S$10 US$10 US$100 Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card network
Visa Source and check Source thedecard.com Wording at the source Spend anywhere Visa is accepted, online and in store, with low FX fees. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Custody
unknown
Funding model
credit line Source and check Source help.thedecard.com Wording at the source Once your DeCard application is approved, you'll receive a virtual card with a starting credit limit assigned by DCS. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card currencies
SGD, USD Source and check Source help.thedecard.com Wording at the source DeCard SGD Card DeCard USD Card DeCard Luminaries Card Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Usage
personal Source and check Source thedecard.com Wording at the source DeCard is currently available to individuals residing in Singapore, Australia, Japan, South Korea, Malaysia, the Philippines, Taiwan, Thailand and Vietnam. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Limits depend on
unknown
Cards per account
unknown
Mobile wallets
Apple Pay Google Pay Source and check Source help.thedecard.com Wording at the source You can add DeCard to Apple Pay on your iPhone by: Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
ATM withdrawals
Yes Source and check Source help.thedecard.com Wording at the source ATM cash withdrawals incur a fee of 1% of the cash withdrawal amount or $5 (whichever is greater) per withdrawal, plus any service charge or other fee imposed by the ATM operator. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Contactless
Yes Source and check Source help.thedecard.com Wording at the source 2. Click "Set up contactless". Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?

Fees and cashback

AttributeValue
Fees
Virtual card issuance
  • SGD card: 0.00 SGD Source and check Source help.thedecard.com Wording at the source Virtual card issuance S$0 US$0 US$0 Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
  • USD card: 0.00 USD Source and check Source help.thedecard.com Wording at the source Virtual card issuance S$0 US$0 US$0 Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Physical card issuance
  • SGD card · Physical card: 10.00 SGD Source and check Source help.thedecard.com Wording at the source Physical card issuance if applicable S$10 US$10 US$100 Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
  • USD card · Physical card: 10.00 USD Source and check Source help.thedecard.com Wording at the source Physical card issuance if applicable S$10 US$10 US$100 Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Shipping only in the app Source and check Source help.thedecard.com Wording at the source Shipping fees depend on your delivery address. The exact amount will be shown in the App when you apply. Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean?
Monthly fee unknown
Annual fee 0.00 USD Source and check Source thedecard.com Wording at the source $0/yr ### No annual fee Start spending your stablecoins with no annual fee. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Top-up fee free Source and check Source help.thedecard.com Wording at the source Funding Fee 0% 0% 0% Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? ↳ Topping up 128.17 SGD: 0.00 SGD ↳ Topping up 1,281.67 SGD: 0.00 SGD
Crypto deposit fee unknown
Crypto conversion fee 0 % above the market rate Source and check Source help.thedecard.com Wording at the source Digital Asset Conversion Fee 0% markup, as per market rate. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Minimum conversion unknown
Foreign currency fee 1.8 % Source and check Source help.thedecard.com Wording at the source All transactions charged in foreign currencies will be subject to an administrative fee of 1.8%. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Minimum FX fee unknown
ATM fee
  • SGD card: 1 % (min. 5.00 SGD) (Plus any service charge or other fee imposed by the ATM operator.) Source and check Source help.thedecard.com Wording at the source 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 Withdrawal. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? ↳ Withdrawing 256.33 SGD at an ATM: 5.00 SGD
  • USD card: 1 % (min. 5.00 USD) (Plus any service charge or other fee imposed by the ATM operator.) Source and check Source help.thedecard.com Wording at the source 1% of the Cash Withdrawal Amount or US$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 Withdrawal. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? ↳ Withdrawing 200.00 USD at an ATM: 5.00 USD
Merchant-specific fee unknown
Declined payment fee unknown
Refund fee unknown
Inactivity fee 5.00 SGD Source and check Source help.thedecard.com Wording at the source An Inactive Account Fee of S$5 will be charged if the card remains inactive for 90 consecutive days after approval. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Minimum monthly spend unknown
Inactivity rule unknown
Card replacement
  • Physical card: 10.00 USD Source and check Source help.thedecard.com Wording at the source Virtual card: US$0 Physical card: US$10 Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean? ↳ replacement_1: 10.00 USD ↳ replacement_2: 10.00 USD
  • Virtual card: free Source and check Source help.thedecard.com Wording at the source Virtual card: US$0 Physical card: US$10 Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean? ↳ replacement_1: 0.00 USD ↳ replacement_2: 0.00 USD
Plan waivers unknown
Cashback & rewards
Cashback unknown
DeCard Rewards Program Source and check Source help.thedecard.com Wording at the source You'll earn 1 DePoint for every USD 1 spent on your DeCard. (Note: Cents are not counted towards DePoints.) Checked Verified Value wrong? History What does [s] mean? 100 %spend from 0/month

Amounts in your display currency are approximations (hover or tap for the original and the rate) · exchange rate of

KYC and limits

  1. ID document

    ID document, often with a selfie or video ident

    1. Identity verification at DeCard

      Source and check Source help.thedecard.com Wording at the source After you register and enter the "Card" page, you can start the card application process (new users will also complete identity verification in this process): - First, you need to select the card sch... Checked Verified Value wrong? History What does [s] mean?

      Requires: Phone number, Address, ID document

      In some cases: Proof of address (conditional: Required for other foreigners in Singapore using the document-upload verification flow.)

LimitsValue
ATM per day (number) 20× Source and check Source help.thedecard.com Wording at the source DeCard cardholders may make up to 20 ATM cash withdrawals per day, with a maximum of 30 withdrawals per month. Checked Verified Value wrong? No earlier versions What does [s] mean?
ATM per month (number) 30× Source and check Source help.thedecard.com Wording at the source DeCard cardholders may make up to 20 ATM cash withdrawals per day, with a maximum of 30 withdrawals per month. Checked Verified Value wrong? No earlier versions What does [s] mean?

KYC: ID document Identity verification is required from the first level.

When is KYC needed?

  • Transfer to/from your own walletFor transfers to or from a self-hosted wallet, DeCard may request additional documents such as proof of source of funds. Source and check Source help.thedecard.com Wording at the source If this is your first transfer, you will need to fill in your personal information to meet compliance requirements (this step is not required for future repayments). Checked Verified Value wrong? History What does [s] mean?
What do you have to show? Open the KYC finder

Availability

AttributeValue
Available in
  • by residence: Available in: Australia, Japan, Malaysia, Philippines, Singapore, South Korea, Taiwan, Thailand, Vietnam Source and check Source thedecard.com Wording at the source DeCard is currently available to individuals residing in Singapore, Australia, Japan, South Korea, Malaysia, the Philippines, Taiwan, Thailand and Vietnam. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Residency requirement Applicants must reside in Singapore, Australia, Japan, South Korea, Malaysia, the Philippines, Taiwan, Thailand or Vietnam. Source and check Source help.thedecard.com Wording at the source DeCard is currently available to individuals residing in Singapore, Australia, Japan, South Korea, Malaysia, the Philippines, Taiwan, Thailand, and Vietnam. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?

Key countries

  • Germany not available
  • Austria not available
  • Switzerland not available
  • United States not available
  • United Kingdom not available
  • France not available
  • Spain not available
  • Italy not available
  • Netherlands not available
  • Türkiye not available
  • Brazil not available
  • Nigeria not available
  • India not available
  • United Arab Emirates not available
  • Singapore available

✓ available · ✗ not available · ? not known from the sources

Point at or tap a country.

available (9) not available (241) unknown

Crypto

AttributeValue
Supported assets USDT, USDC Source and check Source thedecard.com Wording at the source Currently, only USDC and USDT are accepted for DeCard. Other digital assets sent cannot be recovered. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Number of supported assets unknown
Top-up networks Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base Two sources, two values ShownEthereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base help.thedecard.comchecked 28 Oct 2026 USDT supported networks: Ethereum, Solana, Polygon, Arbitrum, BNB Smart Chain, Morph 2. USDC supported networks: Ethereum, Solana, Polygon, Arbitrum, BNB Smart Chain, Morph, Base Differingvalue not recorded thedecard.comfetched 28 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean?
Spending order unknown
Fiat top-up Yes Source and check Source help.thedecard.com Wording at the source Yes. DeCard supports USD bank transfers. However, this service is currently only available to users in Singapore. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?

Bonuses and promotions

What DeCard offers itself: referral bonus, welcome bonus, running promotions and partner programme. Values of the provider, with source; no affiliate link in it.

Promotion

  • Win Up To US$50 Cash Credit

    up to 50 USD

    Conditions:
    Redeem 500 DePoints for a sure-win chance at a cash credit of up to US$50.
    Valid:
    until 31 Dec 2026
    Source and check Source thedecard.com Wording at the source Redeem just 500 DePoints for a sure-win chance at cash credits up to US$50. Checked Verified What does [s] mean?
Ended promotions (1)
  • Claim your FREE S$5 Welcome Bonus! · 5 SGD · ran until 31 Jan 2026

Trust

AttributeValue
Issuer / BIN sponsor unknown
Program manager unknown
Headquarters unknown
Support channels chat Source and check Source help.thedecard.com Wording at the source Live Chat. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Brand on record since 09/2024 Source and check Source web.archive.org Wording at the source archived capture: 2024-09-05 Checked Verified
Domain since 06/2024 Source and check Source rdap.verisign.com Wording at the source registration: 2024-06-20 Checked Verified

Transparency

Transparency 50 %

0 of 16 key values not published

  • Imprint / company details: no
  • Public fee schedule: yes
  • Cardholder agreement: no
  • Terms and conditions: no
  • Terms with version or date: unknown

Sources last checked 2026-10-29

Licences

  • Monetary Authority of Singapore Source and check Source eservices.mas.gov.sg Wording at the source # DCS CARD CENTRE PTE. LTD. Incorporated in Singapore ## Licence Type/Status ### Credit and Charge Card Licensee Under the Banking Act, credit and charge card issuers are licensed to carry on the... Checked Verified Value wrong? History What does [s] mean? Bank licence (SG) Register entry

What users report

No community reports evaluated yet.

How the score is made up

57.77 of 100 · average

Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.

Methodology and weights
  1. CostsWeight 25 %
    80/100
    20.1 of 25 points

    monthly/annual fee, top-up, FX and ATM fees

  2. KYC and privacyWeight 20 %
    35/100
    7.0 of 20 points

    KYC class needed, KYC-free allowance

  3. FeaturesWeight 15 %
    89/100
    13.3 of 15 points

    wallets, physical card, ATM, assets, chains

  4. AvailabilityWeight 10 %
    2/100
    0.2 of 10 points

    number of countries, EU/US/UK

  5. RewardsWeight 10 %
    –
    not scored counts neutral (5.0)

    cashback considering caps and staking requirements

  6. TrustWeight 10 %
    73/100
    7.3 of 10 points

    licences, incidents, company and card age, issuer, ownership, security, transparency

    Trust in detail
    • LicencesWeight 15 % 60
    • Company age (up to 5 years)Weight 10 % not scored
    • Card on the market (up to 3 years)Weight 10 % not scored
    • IssuerWeight 15 % not scored
    • OwnershipWeight 10 % not scored
    • Security evidenceWeight 15 % not scored
    • TransparencyWeight 10 % 50
    • Incidents (12 months)Weight 15 % 100
  7. CommunityWeight 10 %
    –
    not scored counts with the median (5.0)

    ratings and reports, damped, neutral with too little data

Early warning

Alerts for this card

We tell you what changes at DeCard Visa Card and DeCard, with evidence for every alert.

What do you want to receive?

You will first get a mail with a confirmation link.

Changelog

  • Score changed from 58.52 to 57.77.

  • Changes to licences.

  • Score changed from 57.77 to 58.52.

  • Changes to licences.

  • Changes to limits.

  • Changes to KYC levels and requirements.

  • Company name changed from DCS Card Centre Pte Ltd to DeCard.

  • Score changed from 56.53 to 57.77.

  • Changes to limits.

  • Changes to KYC levels and requirements.

  • Score changed from 60.03 to 56.53.

  • Changes to KYC levels and requirements.

  • Score changed from 60.78 to 60.03.

  • Changes to KYC levels and requirements.

  • Score changed from 57.78 to 60.78.

  • Changes to licences.

  • Score changed from 57.28 to 57.78.

  • Changes to KYC levels and requirements.

  • Score changed from 58.47 to 57.28.

  • Score changed from 50.97 to 58.47.

Apply for DeCard Visa Card directly with the provider.

All information without guarantee; the provider’s terms are binding. No investment or financial advice: scores are methodical comparisons, not recommendations.

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