Useful if you live outside the US and want to spend stablecoins with a virtual card. Don’t pick it for cashback unless you will pay for Pro and pay mostly by phone.
Score breakdown
How we read the terms: Global terms: no monthly card fee, $10 for the virtual card, 1.2% FX. The entry rate isn’t stated without the Pro plan, so rewards are not scored.
Not rated yet: verified criteria cover 60% of the weight, and we need 70% to give an overall score. How scores are calculated.
Pros
- Issued in 100+ countries, including the UK and most of the EEA
- Virtual card for a one-off $10
- No monthly card fee
- Spends stablecoins directly
Cons
- Not available in the US
- 3% cashback only with the paid Pro plan, on mobile-wallet purchases, capped monthly
- Physical card costs $100
- No free ATM allowance; card top-ups cost 3%
Overview
RedotPay is a custodial Visa card that spends stablecoins and other crypto held in the RedotPay app. Different programmes run under Hong Kong and Singapore entities.
Cashback of 3% in USDs needs the paid Pro plan, applies only to Apple Pay and Google Pay purchases and is capped each month.
We haven’t run a hands-on test of this card; this review is based on the issuer’s published documents linked on this page.
Fees and limits
- Card issuance (global)
- $10 virtual / $100 physicalsource
- Monthly fee (global)
- Nonesource
- FX fee (global)
- 1.2source
- Top-up (global)
- Crypto deposit: not stated; 3% (min $1) via credit/debit cardsource
- Free ATM per month (global)
- No free allowance: 2% (USD card, up to $10,000/mo, then 3%); 2% HKD cardsource
Fees are quoted from the issuer’s documents for the region shown. Each “source” link opens the issuer’s page; the wording is quoted in the availability table and in the link’s tooltip.
Is it worth it? Quick math
We can’t do the maths yet: the entry-tier cashback or one of the fees is not verified.
Cashback paid in a volatile token can be worth more or less when you sell it. FX and top-up fees are not included here.
Availability
| Region | Status | What the issuer says |
|---|---|---|
| US | Not available | “United States appears on the card issuance restriction list”source |
| UK | Available | “United Kingdom not on the card issuance restriction list”source |
| EEA | With restrictions | “Croatia and Slovenia are listed as unable to obtain cards; other EEA states not listed”source Not offered in Croatia or Slovenia. |
By country
Other regions listed by the issuer: Global (100+ countries), UK, most EEA, Not US, Not Croatia/Slovenia, Not Mainland China, India, Indonesia, Singapore, Turkey, Morocco, Nepal, etc.source. Not legal advice; an issuer can refuse any applicant.
How to get the card
- 1Create an accountDownload the RedotPay app and sign up.
- 2Pass verificationComplete KYC with an ID document and a selfie.
- 3Order the cardPay the issuance fee for a virtual or physical card.
- 4Fund and spendDeposit stablecoins or crypto and add the card to Google Pay or Apple Pay where supported.
RedotPay: common questions
What is RedotPay?
RedotPay is a crypto payments app whose stablecoin-funded Visa cards (virtual and physical) let you spend crypto at merchants worldwide, add the card to Apple Pay/Google Pay, and withdraw cash at ATMs with the physical card.source
Is RedotPay available in the USA?
No. The United States is on RedotPay's card issuance restriction list, so US residents can't get a virtual or physical card. RedotPay says its US FinCEN registration does not involve providing services to US citizens.source
Which countries can't get a RedotPay card?
As of the 28 Aug 2026 list, card issuance is unavailable in 47 places, including the United States, Mainland China, India, Indonesia, Singapore, Russia, Ukraine, Turkey, Croatia, Slovenia, Serbia, Morocco, Nepal and sanctioned countries such as Iran, North Korea, Cuba and Syria.source
What are the RedotPay card fees?
A virtual card costs $10 and a physical card $100 (standard mail free); there are no monthly or annual fees. Spending in the card's currency is free, other currencies cost 1.2%, and crypto conversion costs 1%. Topping up with a bank card costs 3% (min $1); crypto deposits are free.source
What are RedotPay ATM fees?
ATM withdrawals cost 2% on the HKD card. On the USD card it's 2% up to $10,000 a month and 3% above that. Pro annual members get up to $1,000 a month of ATM withdrawals fee-free.source
What are the RedotPay card spending and ATM limits?
Per RedotPay's fee table, card spending is capped at $100,000 per transaction and $1,000,000 per day. ATM withdrawals are limited to 3 a day and 30 a month: HKD$23,000/day and HKD$75,000/month on HKD cards, $3,750/day and $50,000/month on USD cards ($3,000/$10,000 in some regions).source
Is RedotPay legit? Who operates it?
The Hong Kong card programme is run by Red F. Technology Limited (HK business registration 75073741), and the Singapore programme by Redotpay Technology Pte. Ltd. (company no. 202346379C). RedotPay states it is a VASP in Argentina, a registered MSB in Canada and the US (FinCEN), and holds Money Lender and TCSP licences in Hong Kong.source
How does RedotPay Pro cashback work?
RedotPay Pro ($12.90/month or $129/year) gives 3% cashback on Apple Pay and Google Pay card purchases, capped at 18 USDs a month. Cashback is paid in USDs, which can only be spent on future card transactions and expire after 30 days; refunded or disputed purchases have their cashback reclaimed.source
Does RedotPay pay cashback?
Only with the paid Pro plan, on Apple Pay and Google Pay purchases, up to a monthly cap, according to RedotPay’s help centre.
Can I use RedotPay in the US?
No. The US is on RedotPay’s card-issuance restriction list.
Alternatives and comparisons
Information only, not financial advice. Crypto assets are volatile. Terms change often — confirm on the issuer’s site before applying.