Axiome Pay Visa Pro vs DeCard Luminaries
Crypto native
Crypto native
Verdict
- At least one of the two cards does not have enough published data for an overall score.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Axiome Pay Visa Pro is a good fit for
- No specific audience can be derived from the published data yet.
DeCard Luminaries is a good fit for
- Frequent travellers
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
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.
Score by criterion
| Criterion | Axiome Pay Visa Pro | DeCard Luminaries |
|---|---|---|
| Fees | 22 | 31 |
| Cashback & rewards | – | 40 |
| Availability | – | – |
| FX & international | – | 100 |
| Product features | 70 | – |
| Custody & security | – | – |
| Credit & financing | – | – |
| Limits & ATM | 40 | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 4.7 |
| Best for Travel | n/a | 6.6 |
| Best for High Spenders | n/a | 5.3 |
| Best for Low Fees | 4.4 | 6.2 |
| Best for Beginners | 6.0 | 5.6 |
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
Prepaid cardShow source
Network
VisaShow source
VisaShow source
Tiers / plans
Virtual Visa Pro · Physical Visa ProShow source
DeCard One · DeCard LuminariesShow source
Fees
Annual fee
$388/yearConditions apply: tap or hover for detailsShow source
Luminaries, charged in SGD; DeCard One has no annual fee
Physical card fee
$100Show source
Virtual card fee
$50Show source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Luminaries
Top-up fee
2.6%Conditions apply: tap or hover for detailsShow source
Virtual card; lower with more AXP held (down to 1%)
ATM fee
3% (min. $1)Conditions apply: tap or hover for detailsShow source
Physical card; max 3 withdrawals per day
Other fees & markups
$0.03 per 3DS code (virtual card)Show source
Cashback & rewards
Max cashback
10%Show source
Max cashback per month
$200/monthConditions apply: tap or hover for detailsShow source
Per month
Availability
Account / spend currencies
SGDShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Annual cost at 1,500 EUR/month
Axiome Pay Visa Pro
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costs−36 EUR
- Cashbackunknown
- Net annual valuenot enough data
DeCard Luminaries
- Annual & monthly fees−347 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers