Verdict
- DiCard scores higher overall (5.4 vs 5.3 out of 10).
- BingCard is clearly stronger on: Fees, FX & international.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
BingCard is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Fees, FX & international
DiCard is a good fit for
- No specific audience can be derived from the published data yet.
★ 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 | BingCard | DiCard |
|---|---|---|
| Fees | 66 | 48 |
| Cashback & rewards | – | – |
| Availability | 10 | – |
| FX & international | 60 | 40 |
| Product features | 70 | 70 |
| Custody & security | – | 60 |
| Credit & financing | – | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Travel | 5.6 | 5.1 |
| Best for DeFi Users | n/a | 5.7 |
| Best for Low Fees | 6.7 | 5.4 |
| Best for Beginners | 6.2 | 6.6 |
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
Debit cardConditions apply: tap or hover for detailsShow source
Page says 'similar to other debit cards'
Prepaid cardShow source
Custody model
CustodialShow source
Launch date
2021-12-01Conditions apply: tap or hover for detailsShow source
month only stated
Card issuer / program manager
BingCard, legal entity incorporated in CanadaConditions apply: tap or hover for detailsShow source
operator of the service
Tiers / plans
Premium · non-Premium · PlatinumConditions apply: tap or hover for detailsShow source
Platinum (physical) on waitlist
Fees
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
all tiers
Physical card fee
$168Conditions apply: tap or hover for detailsShow source
Platinum physical card, waitlist
Virtual card fee
$25Conditions apply: tap or hover for detailsShow source
Exclusive; Star 40-69 USD
FX fee
1%Conditions apply: tap or hover for detailsShow source
cross-border handling fee 0%-1% depending on card BIN, for non-U.S. regions; plus transaction fee 0-1%
1.5%Show source
Crypto conversion fee
2%Conditions apply: tap or hover for detailsShow source
labelled exchange fee; exact rate in web app
Top-up fee
1%Conditions apply: tap or hover for detailsShow source
Called deposit fee
1.3%Conditions apply: tap or hover for detailsShow source
0.3% for the first 5 deposits
Crypto withdrawal fee
2%Conditions apply: tap or hover for detailsShow source
exact rate in web app
Other fees & markups
Withdrawal fee 2% (exact rate to check in web application) · Transaction fee 0% to max 1% depending on card BIN · No fee for failed transactionsShow source
Application fee 1 USDT (low-fee card) or 5 USDT (high-limit card)Show source
Cashback & rewards
Minimum balance
$10Conditions apply: tap or hover for detailsShow source
minimum initial balance
Availability
Available in
United States, Hong Kong, Singapore, United KingdomConditions apply: tap or hover for detailsShow source
Issuing countries; page says 'and other countries', check web application
Not available in
United StatesConditions apply: tap or hover for detailsShow source
US citizens, US permanent residents and US-incorporated entities
Account / spend currencies
USD · HKDConditions apply: tap or hover for detailsShow source
HKD for Platinum physical
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
YesShow source
Spendable assets
BTC · ETH · BNB · LTC · TRX · DOGE · POL · GRAM · BCH · SHIB · SOL · NOT · USDC · DOGS · DAI · XRP · USDTConditions apply: tap or hover for detailsShow source
Top-up assets
Limits
Spending limit
HK$1,000,000Conditions apply: tap or hover for detailsShow source
Monthly transaction limit
Annual cost at 1,500 EUR/month
BingCard
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
DiCard
- Annual & monthly feesunknown
- FX costs−54 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