# UPay Card

by UPay · checked 29 Oct 2026 · updated 29 Oct 2026

Website: [upay.com](https://upay.com)

## Facts

- UPay Card is a Visa credit card from UPay.
- UPay Card has no annual fee.
- The card works with Apple Pay, Google Pay, Samsung Pay.
- Base cashback is 0 %.
- Custody: custodial.
- Supported assets: BTC, ETH, USDT.
- Top-up networks: Bitcoin, Ethereum, Tron.

## Basics

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Card form | credit |  | upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card types | virtual, physical, metal |  | upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ Standard | virtual, physical, metal |  | upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ Plan Premier Virtual Card | virtual |  | upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ Plan Premier Physical Card | physical |  | upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ Plan Platinum Virtual Card | virtual |  | upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ Plan Platinum Physical Card | physical |  | upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ Plan Precious Card | physical |  | upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ Plan VIP Premier Metal Card | physical, metal |  | upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card network | Visa |  | blog.upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Custody | custodial |  | blog.upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Funding model | converted on spend |  | upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card currencies | HKD, USD |  | upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Usage | personal, business |  | blog.upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Limits depend on | unknown |  |  |
| Cards per account | unknown |  |  |
| Mobile wallets | Apple Pay, Google Pay, Samsung Pay |  | blog.upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ATM withdrawals | Yes |  | upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ Standard | Yes |  | upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ Plan Platinum Physical Card | Yes |  | blog.upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Contactless | Yes |  | blog.upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Fees and variants

|  | All variants | Premier Virtual Card | Premier Physical Card | Platinum Virtual Card | Platinum Physical Card | Precious Card | VIP Premier Metal Card | Source |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Status |  | available | available | available | available | available | available |  |
| Price |  | Price not published | 100.00 USDT one-time | Price not published | 100.00 USDT one-time | 100.00 USDT one-time | 200.00 USDT one-time | upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Score |  | 53.42 (Entry variant) | 53.42 | 53.42 | 54.04 | 55.08 | 49.25 |  |
| **Card** |  |  |  |  |  |  |  |  |
| Card types |  | virtual | physical | virtual | physical | physical | physical, metal | upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ATM withdrawals |  | Yes | Yes | Yes | Yes | Yes | Yes | upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) · blog.upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| **Fees** |  |  |  |  |  |  |  |  |
| Virtual card issuance |  | 10.00 USDT | unknown | 10.00 USDT | unknown | unknown | unknown | upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Physical card issuance |  | unknown | 100.00 USDT | unknown | 100.00 USDT | 100.00 USDT | 200.00 USDT | upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Shipping | unknown |  |  |  |  |  |  |  |
| Monthly fee | unknown |  |  |  |  |  |  |  |
| Annual fee | 0.00 USD |  |  |  |  |  |  | blog.upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Top-up fee |  | 2 % | 2 % | 2 % | 2 % | 1 % | 2 % | upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Crypto deposit fee | unknown |  |  |  |  |  |  |  |
| Crypto conversion fee | unknown |  |  |  |  |  |  |  |
| Minimum conversion | unknown |  |  |  |  |  |  |  |
| Foreign currency fee | unknown |  |  |  |  |  |  |  |
| Minimum FX fee | unknown |  |  |  |  |  |  |  |
| ATM fee |  | unknown | unknown | unknown | 1 % | unknown | unknown | blog.upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Merchant-specific fee | unknown |  |  |  |  |  |  |  |
| Declined payment fee | unknown |  |  |  |  |  |  |  |
| Refund fee | unknown |  |  |  |  |  |  |  |
| Inactivity fee | unknown |  |  |  |  |  |  |  |
| Minimum monthly spend | unknown |  |  |  |  |  |  |  |
| Inactivity rule | unknown |  |  |  |  |  |  |  |
| Card replacement | unknown |  |  |  |  |  |  |  |
| ↳ Virtual card | 10.00 USDT |  |  |  |  |  |  | blog.upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Plan waivers | unknown |  |  |  |  |  |  |  |
| **Cashback & rewards** |  |  |  |  |  |  |  |  |
| Cashback | 0 % |  |  |  |  |  |  | blog.upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

## KYC and limits

KYC: ID document

### ID document

- Identity Verification at UPay — Requires: ID document, Selfie / liveness — blog.upay.com (checked 29 Oct 2026 · verified 29 Oct 2026)

### When is KYC needed?

- After a risk review at its own discretion, UPay may request additional documents such as proof of source of funds. — upay.com (checked 29 Oct 2026 · verified 29 Oct 2026)
- When you change your name or address, UPay may request additional documents such as proof of source of funds. — upay.com (checked 29 Oct 2026 · verified 29 Oct 2026)

## Availability

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Available in | unknown |  |  |
| Residency requirement | Card eligibility is determined by nationality rather than residence. |  | blog.upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

| Country | Available |
| --- | --- |
| Germany | unknown |
| Austria | unknown |
| Switzerland | unknown |
| United States | unknown |
| United Kingdom | unknown |
| France | unknown |
| Spain | unknown |
| Italy | unknown |
| Netherlands | unknown |
| Türkiye | unknown |
| Brazil | unknown |
| Nigeria | unknown |
| India | unknown |
| United Arab Emirates | unknown |
| Singapore | unknown |

## Crypto

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Supported assets | BTC, ETH, USDT |  | blog.upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Number of supported assets | 50 |  | blog.upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Top-up networks | Bitcoin, Ethereum, Tron |  | blog.upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Spending order | unknown |  |  |
| Fiat top-up | unknown |  |  |

## Bonuses and promotions

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

- Partner programme: yes (own programme): 0.6 % revenue share — upay.com

## Trust

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Issuer / BIN sponsor | unknown |  |  |
| Program manager | unknown |  |  |
| Headquarters | unknown |  |  |
| Support channels | email |  | upay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Company and trust

- Company founded 2023
- Card since 2023

### Company

- Founded: 2023 (Source: upay.com)
- Headquarters: United States (Source: upay.com)
- Legal form: LTD. (Source: upay.com)

### Card history

- Card launched: 2023 (Source: upay.com)

### Transparency

- Transparency 67 %
- 0 of 14 key values not published
- Imprint / company details: no
- Public fee schedule: yes
- Cardholder agreement: no
- Terms and conditions: yes
- Terms with version or date: unknown
- Sources last checked 2026-10-29

## How the score is made up

53.42 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.

| Criterion | Weight | Part (0–100) | Points |
| --- | --- | --- | --- |
| Costs | 25 % | 70 | 17.5 |
| KYC and privacy | 20 % | 35 | 7.0 |
| Features | 15 % | 72 | 10.8 |
| Availability | 10 % | not scored | counts neutral (5.0) |
| Rewards | 10 % | 0 | 0.0 |
| Trust | 10 % | 82 | 8.2 |
| Community | 10 % | not scored | counts with the median (5.0) |

## Changelog

- 29 Oct 2026: Score changed from 48.42 to 53.42.
- 29 Oct 2026: Score changed from 48.67 to 48.42.
- 29 Oct 2026: Score changed from 48.54 to 48.67.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: New card image.
- 29 Oct 2026: New: Partner programme · Publishers.
- 29 Oct 2026: New logo.
- 29 Oct 2026: Score changed from 51.54 to 48.54.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Score changed from 58.17 to 51.54.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Score changed from 60.3 to 58.17.
- 29 Oct 2026: Score changed from 59.35 to 60.3.
- 29 Oct 2026: Market launch: January 1, 2023.
- 29 Oct 2026: Score changed from 59.3 to 59.35.
- 29 Oct 2026: Headquarters: United States.
- 29 Oct 2026: Changes to licences.

Found an error or a missing value? Report it with a source: https://cryptocardss.com/en/upay-card/report-an-error/

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- **Canonical URL:** https://cryptocardss.com/en/upay-card/
- **As of:** 29 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 29 Oct 2026, https://cryptocardss.com/en/upay-card/