savebackcards.com
DEEN

Avici Card vs DeCard Luminaries

Avici Card

Crypto native

6.0
Get the card
DeCard Luminaries

Crypto native

6.0
Get the card

Verdict

  • Avici Card and DeCard Luminaries have the same overall score (6.0/10).
  • Avici Card is clearly stronger on: Fees, Availability, Credit & financing, Limits & ATM.
  • DeCard Luminaries is clearly stronger on: Cashback & rewards, FX & international, Product features, Transparency.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Avici Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card

Stronger on: Fees, Availability, Credit & financing, Limits & ATM

DeCard Luminaries is a good fit for

  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card
  • Frequent travellers

Stronger on: Cashback & rewards, FX & international, Product features, Transparency

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesAvici Card vs ether.fi CashDeCard Luminaries vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionAvici CardDeCard Luminaries
Fees9765
Cashback & rewards040
Availability5327
FX & international60100
Product features8090
Custody & security70–
Credit & financing7555
Limits & ATM7855
Transparency86100
Best for Cashback3.95.2
Best for Travel6.57.4
Best for Self-Custody6.4n/a
Best for DeFi Users6.26.0
Best for Stablecoins6.37.1
Best for High Spenders4.76.2
Best for Low Fees8.37.8
Best for Beginners7.26.9
Best Crypto Credit Card6.85.8

Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.

Product

Product status

ActiveShow source
ActiveShow source

Card type

Crypto-backed creditConditions apply: tap or hover for detailsShow source

Secured credit card backed by your own deposit

No data yet

Network

VisaShow source
VisaShow source

Custody model

Self-custodyConditions apply: tap or hover for detailsShow source

Funds in a smart contract owned by your wallet; Avici can only withdraw against card charges

No data yet

Card issuer / program manager

Third NationalConditions apply: tap or hover for detailsShow source

Card access provided by Avici Inc.

DCSShow source

Tiers / plans

Platinum · SignatureShow source
DeCard · DeCard LuminariesShow source

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Platinum; Signature costs $30 the first year, then $20/year

$388/yearConditions apply: tap or hover for detailsShow source

Luminaries, charged in SGD; DeCard One has no annual fee

Physical card fee

$50Conditions apply: tap or hover for detailsShow source

Platinum; Signature $75

$100Conditions apply: tap or hover for detailsShow source

DeCard Luminaries; base DeCard USD card is US$10; delivery fee varies by market and is charged separately

Virtual card fee

$15Conditions apply: tap or hover for detailsShow source

Platinum, first card; further cards $10

FreeConditions apply: tap or hover for detailsShow source

Luminaries; virtual card issuance

Replacement fee

No data yet
$100Conditions apply: tap or hover for detailsShow source

Luminaries physical card; virtual card replacement US$0; delivery fee charged separately

FX fee

1%Conditions apply: tap or hover for detailsShow source

Charged by Visa, no Avici markup; terms allow up to 3%

0%Conditions apply: tap or hover for detailsShow source

Luminaries

Crypto conversion fee

No data yet
0%Conditions apply: tap or hover for detailsShow source

0% markup, as per market rate

Top-up fee

FreeShow source
No data yet

Crypto withdrawal fee

FreeConditions apply: tap or hover for detailsShow source

Withdrawal from card to wallet

No data yet

ATM fee

$1 + 0.65%Conditions apply: tap or hover for detailsShow source

Listed as maximum charges; FX fee additionally charged on non-USD withdrawals; balance inquiry and decline fees $0.60 each

1% (min. $5)Conditions apply: tap or hover for detailsShow source

1% of withdrawal or US$5 whichever is greater, plus ATM operator charges (Luminaries)

Small transaction fee

FreeConditions apply: tap or hover for detailsShow source

No transaction fees

No data yet

Other fees & markups

Dispute fee of $35 (payable in USDC or USDT), non-refundable; only transactions over $30 can be disputed · Replacing a card (delete and create new) costs the same fees as a new cardConditions apply: tap or hover for detailsShow source

No extra charges for Apple Pay / Google Pay spending

Late payment charge US$50 if the minimum payment is not received by the due date · Delivery fee for physical card varies by marketConditions apply: tap or hover for detailsShow source

DeCard Luminaries

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

No cashback programme (owner research)

No data yet

Max cashback

No data yet
10%Show source

Cashback type

NoneConditions apply: tap or hover for detailsShow source

No cashback programme (owner research); the site only lists Visa network benefits

No data yet

Max cashback per month

No data yet
$200/monthConditions apply: tap or hover for detailsShow source

Per month

Credit & financing

Credit line

YesConditions apply: tap or hover for detailsShow source

Secured by your own deposit

YesShow source

Credit type

Crypto-backed creditShow source
No data yet

Collateral assets

USDCShow source
No data yet

Max loan-to-value

100%Conditions apply: tap or hover for detailsShow source

Collateral market value in USD must equal each dollar charged; spending limit equals collateral value

No data yet

Interest (APR)

0%Conditions apply: tap or hover for detailsShow source

0% interest on all purchases currently; Issuer and Avici reserve the right to introduce interest for new purchases with prior disclosure

28%Conditions apply: tap or hover for detailsShow source

Per annum on total indebtedness excluding cash advance principal; waived if closing balance on current and previous statements is paid in full by due date; minimum interest US$3 per month; same for all three cards

Grace period

One calendar day before an unpaid obligation triggers a Liquidation Event; additional grace period at Avici/Issuer discretionShow source
No data yet

Repayment

Automatic deduction from topped-up USDC balance; no billing cycle or manual repaymentShow source
No data yet

Liquidation risk

YesConditions apply: tap or hover for detailsShow source

Liquidation Event if a payment is unpaid after one calendar day or collateral value falls below existing charges

No data yet

Availability

Available in

AG, Argentina, Australia, BS, BD, BB, BZ, BO, Brazil, KY, Colombia, CR, CI, DO, EC, EG, SV, GH, GD, GT, GY, HN, Japan, Kenya, Malaysia, Mexico, MA, New Zealand, Nigeria, PK, PA, PY, Peru, Philippines, KN, LC, VC, SN, Singapore, SR, Thailand, TT, TC, UG, United Arab Emirates, UY, ZM, United StatesConditions apply: tap or hover for detailsShow source

Personal cards by country of residence. US only in listed states (AL, AK, AR, CA, CO, CT, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, MT, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY). 'Dominica Republica'/'Dominicana' mapped to DO. Hong Kong and South Africa no longer listed; Nigeria now listed.

Singapore, Australia, Japan, South Korea, Malaysia, Philippines, TW, Thailand, VietnamConditions apply: tap or hover for detailsShow source

Individuals residing in these countries (DeCard)

Not available in

AO, BY, BF, CM, CD, CN, CU, HT, India, Indonesia, IR, IQ, Israel, ML, MZ, MM, NA, NP, NI, KP, PS, RU, SS, SY, TZ, Turkey, Ukraine, VE, Vietnam, YEConditions apply: tap or hover for detailsShow source

Personal cards not issued to residents; China = Mainland. Card also cannot be used to spend in CU, IR, KP, RU, SY, UA, VE

No data yet

Account / spend currencies

USDConditions apply: tap or hover for detailsShow source

Foreign-currency transactions are converted into USD

SGDShow source

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesConditions apply: tap or hover for detailsShow source

Issuer may limit the number of physical cards

YesShow source

Virtual card

YesConditions apply: tap or hover for detailsShow source

Issuer may limit the number of virtual cards

YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

USDC deposit backs the USD credit balance

YesShow source

Airport lounge access

No data yet
YesConditions apply: tap or hover for detailsShow source

Two complimentary DragonPass visits

Travel / rental car insurance

YesConditions apply: tap or hover for detailsShow source

Visa benefits: complimentary rental car insurance; trip cancellation and lost luggage cover

YesConditions apply: tap or hover for detailsShow source

Travel accident up to US$1 million; airfare charged to card

Spendable assets

USDCConditions apply: tap or hover for detailsShow source

Charges are auto-deducted from the topped-up USDC balance; list may not be exhaustive

USDT · USDCConditions apply: tap or hover for detailsShow source

Luminaries repayment/prepayment

Blockchains

Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source

Terms define 'Supported Blockchains' (spelled 'Arbitrium' on the page); others may be added at Issuer's discretion

No data yet

Limits

ATM limit

$3,000Conditions apply: tap or hover for detailsShow source

Per day, both tiers; $1000 per transaction, max 3 ATM transactions per day

No data yet

Security & custody

Smart-contract risk

YesShow source
No data yet

Annual cost at 1,500 EUR/month

Avici Card

  • Annual & monthly fees+0 EUR
  • FX costs−36 EUR
  • Crypto conversion–
  • ATM costs−19 EUR
  • Cashback+0 EUR
  • Net annual value-55 EUR

DeCard Luminaries

  • Annual & monthly fees−347 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−54 EUR
  • Cashbackunknown
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Avici Card comparisons

More DeCard Luminaries comparisons