BenPay Card 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.
- BenPay Card is clearly stronger on: Fees.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
BenPay Card is a good fit for
- People who want to keep control of their keys
Stronger on: Fees
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 | BenPay Card | DeCard Luminaries |
|---|---|---|
| Fees | 100 | 31 |
| Cashback & rewards | – | 40 |
| Availability | – | – |
| FX & international | – | 100 |
| Product features | 70 | – |
| Custody & security | 80 | – |
| Credit & financing | – | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 4.7 |
| Best for Travel | n/a | 6.6 |
| Best for Self-Custody | 7.6 | n/a |
| Best for DeFi Users | 7.1 | n/a |
| Best for High Spenders | n/a | 5.3 |
| Best for Low Fees | 8.0 | 6.2 |
| Best for Beginners | 7.8 | 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
Stablecoin cardShow source
Network
VisaShow source
Custody model
Self-custodyShow source
Tiers / plans
Alpha · Sigma · DeltaShow source
DeCard One · DeCard LuminariesShow source
Fees
Annual fee
FreeShow source
$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
Crypto conversion fee
0%Show source
Cashback & rewards
Max cashback
10%Show source
Interest on balance
Not disclosedConditions apply: tap or hover for detailsShow source
Card balance earns on-chain yield; rate not stated
Max cashback per month
$200/monthConditions apply: tap or hover for detailsShow source
Per month
Availability
Account / spend currencies
USDT · USDCShow source
SGDShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
Limits
Spending limit
$200,000Conditions apply: tap or hover for detailsShow source
Per card
Annual cost at 1,500 EUR/month
BenPay Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- 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