Image: RedotPay
RedotPay Card review: fees, cashback and limits
The everywhere card. Huge country coverage and lots of ways to fund it.
Quick answer
RedotPay is a custodial stablecoin card that works in most of the world, with a $10 virtual card, a $100 physical card and no annual fee on the standard plan. Spending in a currency that isn't your card's default costs 1.2%, and converting crypto costs 1%. The standard card has no cashback. RedotPay Pro ($12.90 a month or $129 a year) adds 3% back on Apple Pay and Google Pay purchases, capped at $18 a month, and the yearly plan includes a free physical card and up to $1,000 a month of ATM fee waivers.
RedotPay at a glance
| Best for | People in countries that most crypto cards skip, and anyone who wants P2P funding with local payment methods. |
|---|---|
| Skip it if | You want cashback, self-custody, or the lowest possible FX cost. |
| Network | Not named on RedotPay's card page |
| Card issuer | Not disclosed |
| Custody | Custodial (funds sit in your RedotPay account) |
| Card type | Prepaid stablecoin card |
| Virtual or physical | Virtual and physical |
| Cashback | None on standard. 3% on Apple Pay and Google Pay with Pro, capped at $18 a month |
| Annual fee | None |
| Apple Pay / Google Pay | Yes / Yes |
| Identity check (KYC) | Required |
| Where it works | Very wide. Third-party trackers list RedotPay in around 200 countries and territories. P2P and Earn are only offered in selected regions. |
RedotPay fees
| Card cost | Virtual card $10. Physical card $100. Standard delivery free, express courier priced by country. |
|---|---|
| Annual or membership fee | None |
| FX and cross-border | 1.2% when you pay in a currency other than your card's default |
| Crypto conversion | 1% when crypto is converted to spend |
| ATM withdrawals | 2% per withdrawal. On the USD card, 2% up to $10,000 a month, then 3%. |
| Other fees | Declined transactions: first 3 each month free, then $0.50 each |
| Small authorizations: first 5 each month free, then $0.20 each | |
| Virtual card replacement: $5 the first time, $10 after that |
The card network applies its own exchange rate on top of any card markup. Check the fee page in the RedotPay app for your country before you load money. To see what RedotPay would cost you in a year compared with every other card, try the cost calculator.
What a $100 purchase costs with RedotPay
These are RedotPay'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 1.2% is higher than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 23 of them. For a full year based on your own spending, use the cost calculator.
Where it ranks by our score: #3 of 7 in Canada#17 of 36 in Europe (EEA)#14 of 20 in United Kingdom#14 of 27 in Latin America#12 of 24 in Asia-Pacific#7 of 14 in Africa#9 of 16 in Middle East
Cashback and rewards
- Standard plan: no fixed cashback. RedotPay runs a points program instead.
- RedotPay Pro: 3% back on Apple Pay and Google Pay purchases only, capped at $18 a month
- Pro cashback is paid in USDs, can only be used for future card spending and expires after 30 days
- A $5 welcome bonus has been offered to new users, valid for 30 days and only for purchases. Check the app for the current offer.
| Tier | Price or requirement | Cashback | Notes |
|---|---|---|---|
| Standard | No annual fee. Virtual $10, physical $100 | None | Points program |
| Pro monthly | $12.90/month | 3% on Apple Pay and Google Pay, max $18/month | Free virtual card ($10 fee waived) |
| Pro yearly | $129/year | 3% on Apple Pay and Google Pay, max $18/month | Free physical card ($100 fee waived), up to $1,000 a month of RedotPay ATM fees waived, +1% on RedotPay Earn |
Deposits and withdrawals
How to top up
- Crypto deposits including USDT, USDC, BTC, ETH, BNB, SOL, TRX, XRP and SUI on supported networks
- Buy crypto with a bank card inside the app
- P2P marketplace with local currencies and payment methods (selected regions)
Fees: No deposit fee is listed by RedotPay. Each coin and network has a minimum deposit after network fees, shown on the in-app Deposit page.
How to withdraw
- Send crypto to an external wallet or exchange
- Sell stablecoins for local currency through P2P (selected regions)
- Free in-app transfers to other RedotPay users
- ATM cash withdrawals with the card
Fees: Network fees apply to onchain withdrawals. P2P trades are listed as free, but RedotPay doesn't guarantee P2P settlement.
Supported assets: USDT, USDC, BTC, ETH, BNB, SOL, TRX, XRP, SUI and more. Supported networks vary by coin.
Where RedotPay works
Very wide. Third-party trackers list RedotPay in around 200 countries and territories. P2P and Earn are only offered in selected regions.
RedotPay doesn't publish a full restricted-country list on its card page. Check eligibility in the app before paying for a physical card.
Limits and perks
Limits
- Spending limits are high and set per account. Check the app for yours.
Perks
- RedotPay Pro yearly: free physical card, up to $1,000 a month of ATM fees waived and +1% on Earn
- Points and rewards program
- Built-in P2P marketplace (selected regions)
- Multi-currency wallet run with licensed partners
Pros and cons
What's good
- Works in more countries than almost any other crypto card
- No annual fee
- Lots of ways to fund it, including P2P with local payment methods
- Apple Pay and Google Pay on the virtual card
What's not
- Fees stack up: 1.2% FX plus 1% crypto conversion on many purchases
- $100 for the physical card is steep
- Custodial, so RedotPay holds your balance
- No cashback on the standard plan, and Pro cashback is small and capped at $18 a month
- The full fee table lives in an image on the help center, which makes it harder to check
Our take on RedotPay
RedotPay's whole pitch is reach. If you live somewhere that keeps getting left off the "supported countries" list of shinier crypto cards, RedotPay is often the one that actually lets you sign up. You load it with stablecoins or other crypto, get a virtual card for $10, and you can add it to Apple Pay or Google Pay and start spending.
The trade-off is cost. Paying in a currency that isn't your card's default costs 1.2%, and converting crypto to spend costs another 1%. On a $100 purchase abroad that can be around $2.20 before the card network's own exchange rate. ATM withdrawals cost 2%, rising to 3% on the USD card once you pass $10,000 in a month. None of that is outrageous for a card that works almost anywhere, but it's more than the cheapest self-custody cards charge.
The physical card costs $100. That only makes sense if you need cash from ATMs or you're in a place where tap-to-pay through your phone isn't common. For most people the $10 virtual card does the job.
Funding is where RedotPay shines. Beyond regular crypto deposits, you can buy crypto with a bank card inside the app, and in selected regions there's a P2P marketplace with local payment methods. That's a big deal if you can't easily get stablecoins any other way.
RedotPay Pro, launched in September 2026, adds rewards for a fee: $12.90 a month or $129 a year for 3% back on Apple Pay and Google Pay purchases, capped at $18 a month. The cap means Pro only pays for itself if you'd buy the $100 physical card anyway or use the yearly plan's ATM fee waiver, which covers up to $1,000 of RedotPay ATM fees a month.
Remember it's custodial. Your balance sits with RedotPay, not in a wallet you control, so don't park more there than you plan to spend.
A practical pick if you live in a country most crypto cards ignore. Keep balances small, use the virtual card, and look elsewhere if you want rewards or the lowest fees.
How much people spend with RedotPay
Spending trackerHow we scored RedotPay: 6.3/10
MethodologyRecent RedotPay updates
All newsRedotPay launches Pro with 3% back on Apple Pay and Google Pay
RedotPay Pro costs $12.90 a month or $129 a year and pays 3% back on Apple Pay and Google Pay purchases, capped at $18 a month and paid as credit for future card spending. The standard card still has no cashback.
RedotPay FAQ
How much does the RedotPay card cost?
The virtual card costs $10 and the physical card costs $100. There's no annual fee. Standard delivery of the physical card is free, while express courier delivery is priced by country.
What is the RedotPay FX fee?
RedotPay charges 1.2% when you pay in a currency other than your card's default, and 1% when crypto is converted for spending. The card network's exchange rate applies on top.
Does RedotPay have cashback?
Not on the standard plan. RedotPay Pro ($12.90 a month or $129 a year) pays 3% back on Apple Pay and Google Pay purchases, capped at $18 a month and paid in USDs that expire after 30 days.
Is RedotPay self-custody?
No. Funds sit in your RedotPay account, so RedotPay holds them on your behalf.
Sources
- RedotPay Help Center: Getting started with RedotPay ProPro pricing, 3% cashback cap, ATM waiver, 4 Sep 2026
- RedotPay homepageP2P, Earn and credit disclosures
- RedotPay card pageCard types, no annual fee on physical card, Apple Pay and Google Pay
- RedotPay Help Center: Card limitations and feesFee table, July 2026
- RedotPay Help Center: Supported cryptocurrencies and minimum depositsDeposit rules
- DefiLlama card details: RedotPayFee figures and country count, verified Aug 30, 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.
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