Image: CoinJar

CoinJar Card review: fees, cashback and limits

Name: CoinJar Card
Brand: CoinJar

Australia's long-running crypto Mastercard, with no monthly fee and rewards points.

By Taimoor, founder and editor Last checked 16 October 2026 2 sources

4.5out of 10

Quick answer

The CoinJar Card is a Mastercard debit card from Australian exchange CoinJar. There's no card, monthly or annual fee. Each purchase carries a 1% fee that comes back to you as CoinJar Reward Points, foreign purchases add 2.99%, and ATM withdrawals cost 1%. Daily spending is capped at A$5,000.

CoinJar Card at a glance

Best for	Australians who already use CoinJar and spend in AUD.
Skip it if	You travel abroad often, since foreign purchases cost an extra 2.99%.
Network	Mastercard
Card issuer	Not stated
Custody	Custodial (CoinJar account)
Card type	Debit
Virtual or physical	Digital and physical
Cashback	Rewards points offset the 1% fee
Annual fee	None. No monthly or inactivity fees.
Apple Pay / Google Pay	Not confirmed / Not confirmed
Identity check (KYC)	Required
Where it works	Australia (fee schedule shown here). CoinJar also runs UK and EU card pages.

CoinJar Card fees

Card cost	Free, including replacements
Annual or membership fee	None. No monthly or inactivity fees.
FX and cross-border	2.99% on top of Mastercard's rate
Crypto conversion	1% per purchase, returned as CoinJar Reward Points
ATM withdrawals	1% (physical card), plus any operator fee
Other fees	Transaction dispute: A$27.50

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

What a $100 purchase costs with CoinJar Card

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

$3.99Paid from stablecoins in a foreign currency

$1.00Paid from other crypto, like BTC or ETH

$1.00Cashback on $100, Standard tier

These are CoinJar Card'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 2.99% is higher than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 5 of them. For a full year based on your own spending, use the cost calculator.

Where it ranks by our score: #22 of 24 in Asia-Pacific

Cashback and rewards

The 1% purchase fee is returned as CoinJar Reward Points

Deposits and withdrawals

How to top up

Spend AUD or crypto from your CoinJar account
Deposit AUD by bank transfer

Fees: No top-up fee.

How to withdraw

Withdraw AUD to your bank
ATM withdrawals

Fees: ATM 1%.

Supported assets: AUD and crypto on CoinJar.

Where CoinJar Card works

Australia (fee schedule shown here). CoinJar also runs UK and EU card pages.

Check coinjar.com for your country.

Asia-Pacific

Limits and perks

Limits

A$5,000 a day including up to A$1,000 in ATM withdrawals

Perks

None published

Pros and cons

What's good

No card, monthly or annual fees
1% purchase fee comes back as rewards points
Long-running, regulated Australian exchange

What's not

2.99% foreign transaction fee
Points only offset the fee, so no real cashback
Low daily limit

Our take on CoinJar Card

CoinJar has run its card in Australia for years. It's free to hold, with no monthly or annual fee, and it spends AUD or crypto from your CoinJar account.

Every purchase carries a 1% fee, which CoinJar returns as Reward Points, so the net effect is roughly neutral rather than a true reward. Foreign purchases add 2.99%, making it a poor travel card. The daily spending cap of A$5,000 is also on the low side.

Fine for domestic spending from a trusted Australian exchange, but there are cheaper travel options.

How we scored CoinJar Card: 4.5/10

Methodology

Fees 30%

4 No card fees, but 1% per purchase and 2.99% abroad.

Rewards 20%

3 Points that offset the purchase fee.

Control 20%

6 Custodial, long-running exchange.

Reach 15%

4 Mainly Australia.

Flexibility 15%

6 AUD and crypto, bank transfers.

CoinJar Card FAQ

How much does the CoinJar Card cost?

Free, including replacements. Annual or membership fee: None. No monthly or inactivity fees.

Does CoinJar Card have cashback?

Rewards points offset the 1% fee. The 1% purchase fee is returned as CoinJar Reward Points.

What are the CoinJar Card FX and ATM fees?

FX: 2.99% on top of Mastercard's rate. ATM: 1% (physical card), plus any operator fee.

Where is CoinJar Card available?

Australia (fee schedule shown here). CoinJar also runs UK and EU card pages. Check coinjar.com for your country.

Is CoinJar Card self-custody?

Custodial (CoinJar account).

Sources

CoinJar Support: CoinJar Card fees and limitsOfficial fees and limits, updated Nov 26, 2025
Finder: CoinJar card reviewReview

We checked these sources on 16 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.