Image: Coin98 with DCS (DeCard)

Coin98 Fusion Card review: fees, cashback and limits

Name: Coin98 Fusion Card
Brand: Coin98 with DCS (DeCard)

A virtual Visa for USDT and USDC from the Coin98 wallet, for nine Asia-Pacific markets.

By Taimoor, founder and editor Last checked 17 October 2026 4 sources

3.8out of 10

Quick answer

The Coin98 Fusion Card is a virtual Visa linked to the Coin98 Super Wallet and issued through DCS, a Singapore card company. You pay a one-time $9 to issue it, then top up with USDT or USDC for a 1% fee. There's no monthly fee. Foreign-currency spending costs 1.7%, and ATM cash costs 1% or SGD 5, whichever is higher. It's for residents of nine Asia-Pacific markets and pays no cashback.

Coin98 Fusion at a glance

Best for	Coin98 wallet users in Asia-Pacific who want an easy way to spend stablecoins.
Skip it if	You want rewards or low costs; fees stack up to about 2.7% on foreign spending.
Network	Visa
Card issuer	DCS Card Centre (DeCard), Singapore
Custody	Hybrid. Your wallet is self-custody, but the card spends a prefunded card balance.
Card type	Prepaid
Virtual or physical	Virtual
Cashback	No cashback
Annual fee	None
Apple Pay / Google Pay	Yes / Yes
Identity check (KYC)	Required
Where it works	Residents of nine Asia-Pacific markets listed in the Coin98 app.

Coin98 Fusion fees

Card cost	$9 one-time issuance and activation
Annual or membership fee	None
FX and cross-border	1.7% on foreign-currency purchases
Crypto conversion	1% top-up fee
ATM withdrawals	1% or SGD 5, whichever is higher, plus the ATM operator's fee

Visa applies its own exchange rate on top of any card markup. Check the fee page in the Coin98 Fusion app for your country before you load money. To see what Coin98 Fusion would cost you in a year compared with every other card, try the cost calculator.

What a $100 purchase costs with Coin98 Fusion

$1.00Paid from stablecoins in the card's own currency

$2.70Paid from stablecoins in a foreign currency

Not publishedPaid from other crypto, like BTC or ETH

$0Cashback on $100, Standard tier

These are Coin98 Fusion's own fees on the Standard tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 1.7% is higher than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 15 of them. For a full year based on your own spending, use the cost calculator.

Where it ranks by our score: #24 of 24 in Asia-Pacific

Cashback and rewards

The card pays no purchase rewards

Deposits and withdrawals

How to top up

USDT or USDC from your Coin98 Super Wallet on supported chains such as Polygon, Ethereum, Solana and Base

Fees: 1% top-up fee plus network gas.

How to withdraw

ATM cash

Fees: 1% or SGD 5 per ATM withdrawal.

Supported assets: USDT and USDC.

Where Coin98 Fusion works

Residents of nine Asia-Pacific markets listed in the Coin98 app.

Countries outside Coin98's Asia-Pacific list.

Asia-Pacific

Limits and perks

Limits

SGD 200,000 of card spending per rolling 12 months
ATM: SGD 10,000 a day and SGD 100,000 a month

Perks

None published

Pros and cons

What's good

No monthly fee
Top up straight from a self-custody wallet
Apple Pay and Google Pay

What's not

$9 to issue and 1% on every top-up
1.7% FX fee
No cashback

Our take on Coin98 Fusion

Coin98 is a popular multi-chain wallet in Southeast Asia, and the Fusion Card connects it to a Visa card run by DCS, the Singapore company behind DeCard. You pay $9 once to issue the virtual card, then send USDT or USDC from the Super Wallet to the card balance.

It's easy to use but not cheap. Every top-up costs 1%, and spending in another currency adds 1.7%, so a purchase abroad costs about 2.7% in total. There's no cashback to offset it. ATM cash costs 1% or SGD 5.

Convenient for Coin98 users in Asia-Pacific, but other cards in the region cost less to use.

How we scored Coin98 Fusion: 3.8/10

Methodology

Fees 30%

4 $9 issuance, 1% top-up and 1.7% FX.

Rewards 20%

1 No cashback.

Control 20%

6 Self-custody wallet with a prefunded card balance.

Reach 15%

4 Nine Asia-Pacific markets.

Flexibility 15%

4 USDT and USDC on several chains.

Coin98 Fusion FAQ

How much does the Coin98 Fusion Card cost?

A one-time $9 to issue and activate. There's no monthly fee, but top-ups cost 1% and foreign spending 1.7%.

Who issues the Coin98 Fusion Card?

DCS Card Centre in Singapore, the company behind DeCard, on the Visa network.

Sources

Coin98 docs: Fusion Visa cardIssuance, top-up tokens, APAC availability, checked Oct 17, 2026
Coin98 docs: DCS Coin98 Fusion Card termsFees and limits
DCS: DeCard and Coin98 launch the Fusion CardLaunch
cryptocard.guide: Coin98 Fusion CardFee schedule summary, checked Aug 5, 2026

We checked these sources on 17 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.