DeCard Luminaries
Singapore-dollar metal Visa card from DeCard for stablecoin spending with 0% FX fees, up to 10% cashback (max US$200 per month) and travel perks, for an annual fee of US$388. The everyday variant DeCard One has no annual fee.
Base cashback
Max cashback
10%Show source
Base fee
$388/yearConditions apply: tap or hover for detailsShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
ATM fee
Card fee
Credit line
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No FX markup from the issuer
Cons
- Annual cost $388 (Luminaries, charged in SGD; DeCard One has no annual fee)
- Top rate of 10% only with conditions
Good for
- Frequent travellers
Not for
Not enough data to say.
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to DeCard Luminaries:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
All details
Fees2/15
- Annual fee
$388/yearConditions apply: tap or hover for detailsShow source
Luminaries, charged in SGD; DeCard One has no annual fee
- FX fee
0%Conditions apply: tap or hover for detailsShow source
Luminaries
Not yet researched: Monthly fee, Physical card fee, Virtual card fee, Replacement fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, ATM fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee, Other fees & markups.
Cashback & rewards2/14
- Max cashback
10%Show source
- Max cashback per month
$200/monthConditions apply: tap or hover for detailsShow source
Per month
Not yet researched: Base cashback, Cashback paid in, Cashback type, Interest on balance, Cashback-eligible spend cap, Cashback conditions, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.
Credit & financing0/11
No credit & financing data published or researched yet.
Supported countries & currencies1/4
- Account / spend currencies
SGDShow source
Not yet researched: Available in, Not available in, Own IBAN / bank details.
Features, wallets & supported assets1/11
- Physical card
YesShow source
Not yet researched: Apple Pay, Google Pay, Virtual card, ATM withdrawals, Spend stablecoins, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody0/3
No security & custody data published or researched yet.
Limits0/2
No limits data published or researched yet.
Product3/7
- Product status
ActiveShow source
- Network
VisaShow source
- Tiers / plans
DeCard One · DeCard LuminariesShow source
Not yet researched: Card type, Custody model, Launch date, Card issuer / program manager.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €337/year | 20% | 33 |
Cashback & rewards Only an 'up to' rate is published | 20% | 40 |
Availability | 15% | No data — excluded |
FX & international FX fee 0% | 10% | 100 |
Product features | 10% | No data — excluded |
Custody & security | 10% | No data — excluded |
Credit & financing | 5% | No data — excluded |
Limits & ATM | 5% | No data — excluded |
Transparency 3 of 3 checked key terms disclosed | 5% | 100 |
Data coverage 55%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does DeCard Luminaries have an annual or monthly fee?
Base tier: $388/year (Luminaries, charged in SGD; DeCard One has no annual fee). Source: Metal Card with 0% FX & Up to 10% Cashback | DeCard Luminaries.
What is the FX fee of DeCard Luminaries?
0% (Luminaries). Source: Metal Card with 0% FX & Up to 10% Cashback | DeCard Luminaries.
How much cashback does DeCard Luminaries pay?
Highest advertised rate: 10%.
Change history9 entries
- Product status recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Tiers / plans recorded · 22 October 2026 · auto-approved
- Annual fee recorded · 22 October 2026 · auto-approved
- FX fee recorded · 22 October 2026 · auto-approved
- Max cashback recorded · 22 October 2026 · auto-approved
- Max cashback per month recorded · 22 October 2026 · auto-approved
- Account / spend currencies recorded · 22 October 2026 · auto-approved
- Physical card recorded · 22 October 2026 · auto-approved