DeCard
3.1/10Overall Score
Card Mode
--
Card Type
--
Mobile Payments
--
About the Project
Recent News
Card Guide
Overview
DeCard is run by DCS Card Centre in Singapore, formerly Diners Club Singapore, which has held a local licence for more than fifty years. It is a Visa credit card: users fund it with USDT or USDC converted to Singapore dollars, or spend first and repay later, with unpaid balances charged at 28% APR. Two tiers exist, the standard DeCard and the metal DeCard Luminaries, the latter invitation-based and the source of the advertised 10% cashback.
| Item | Details |
|---|---|
| Card forms: | virtual and physical, with Luminaries in a 22-gram alloy metal body and laser engraving. |
| Tiers: | standard DeCard and DeCard Luminaries. |
| Funding: | USDT and USDC across seven chains, converted to Singapore dollars on arrival at no funding fee. |
| Use cases: | Visa acceptance, scan-and-pay, ATM withdrawals, plus a Singapore-based USD account. |
Benefits
| Item | Details |
|---|---|
| Luminaries cashback: | 2% on the first USD 2,000 each month, 3% on the next USD 3,000 and 10% above USD 5,000, capped at USD 200 a month. |
| Dual rewards: | 1 DePoint per USD 1 spent alongside cashback, with points valid for 24 months. |
| Zero FX: | Luminaries charges no foreign exchange fee on spending anywhere. |
| Travel benefits: | two free DragonPass visits a year across more than 1,400 lounges, travel accident cover up to USD 1 million and 24-hour Visa concierge. |
| Standard card: | no cashback, only 1 DePoint per USD 1, and scan-and-pay earns neither. |
Fees
| Item | Details |
|---|---|
| Issuance: | free for the virtual card; the physical card is priced by product. |
| Annual fee: | zero on the standard card; Luminaries costs USD 388 a year plus USD 100 for the metal card. |
| FX fee: | 1.8% on the standard card and 0% on Luminaries. |
| ATM: | 1% of the amount withdrawn, with a USD 5 minimum. |
| Funding: | 0% on USDT and USDC. |
| Other: | 28% APR on overdue balances and SGD 5 a month after 90 days of inactivity. |
Availability
| Item | Details |
|---|---|
| Supported (9): | Singapore, Australia, Japan, South Korea, Malaysia, the Philippines, Taiwan, Thailand and Vietnam. |
| Onboarding: | ages 18 to 70 with no minimum income; Singapore citizens and PRs verify with Singpass, while other pass holders and foreigners submit a passport and proof of address. |
| Spending limit: | assigned by DCS after review and raised by transferring funds to the card. |
| Luminaries access: | invitation or application, aimed at executives, founders, Web3 and fintech professionals and high spenders, subject to approval. |
| Settlement currency: | Singapore dollars, with Luminaries cashback credited in SGD as well. |