Brighty Card vs RedotPay
Crypto native
Crypto native
Verdict
- Brighty Card scores higher overall (6.6 vs 5.5 out of 10).
- Brighty Card is clearly stronger on: Fees.
- RedotPay is clearly stronger on: Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Brighty Card is a good fit for
- Stablecoin holders
Stronger on: Fees
RedotPay is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Credit & financing
★ 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 | Brighty Card | RedotPay |
|---|---|---|
| Fees | 100 | 86 |
| Cashback & rewards | – | 12 |
| Availability | – | – |
| FX & international | – | 52 |
| Product features | 70 | 70 |
| Custody & security | 75 | – |
| Credit & financing | 30 | 70 |
| Limits & ATM | – | 60 |
| Transparency | 100 | 93 |
| Best for Cashback | n/a | 4.0 |
| Best for Travel | n/a | 5.8 |
| Best for DeFi Users | 6.7 | 5.5 |
| Best for Stablecoins | 7.3 | 5.8 |
| Best for High Spenders | n/a | 4.7 |
| Best for Low Fees | 8.0 | 7.5 |
| Best for Beginners | 7.8 | 6.7 |
| Best Crypto Credit Card | n/a | 6.4 |
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 cardShow source
Network
MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Custody by licensed partners, secured with Fireblocks
Card issuer / program manager
BTY Digital AG with licensed partnersShow source
Tiers / plans
Brighty One (free) · Brighty Plus · Brighty ProShow source
Regular account · RedotPay Pro Monthly ($12.90/month) · RedotPay Pro Annual ($129.00/year)Conditions apply: tap or hover for detailsShow source
Annual: "Annual Membership: $129.00 / year"; without membership the account is a "regular account"
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Stated under Physical Card; currency not stated on page
Physical card fee
$100Show source
Virtual card fee
$10Show source
FX fee
1.2%Conditions apply: tap or hover for detailsShow source
Spending in a currency other than the card currency
Crypto conversion fee
1%Show source
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Deposits of EUR, GBP, USD or crypto via SEPA, Faster Payments and FedWire; page does not state fees for other top-up methods
ATM fee
2%Conditions apply: tap or hover for detailsShow source
USD card up to $10,000/month, 3% above; Pro annual waives up to $1,000/month of RedotPay ATM fees
Other fees & markups
Cashback redemption may be subject to network, transaction or exchange fees and conversion costsConditions apply: tap or hover for detailsShow source
Amounts not stated on this page; conditions are displayed in the app
1.5% transaction fee (min. 0.50 USD) at specific listed merchants (e.g. Facebook Ads, Discord, some games); first 3 eligible transactions per card per calendar month waivedConditions apply: tap or hover for detailsShow source
Waived on the first 3 eligible transactions per card each calendar month; merchant list reviewed regularly
Cashback & rewards
Max cashback
3%Conditions apply: tap or hover for detailsShow source
RedotPay Pro (monthly or annual) only; Apple Pay / Google Pay transactions only; capped at 18 USDs per month
Cashback paid in
Supported stablecoins (e.g. USDC)Conditions apply: tap or hover for detailsShow source
Redemption forms are displayed in the app and may also include other reward forms made available by BTY
USDsShow source
Cashback type
StablecoinConditions apply: tap or hover for detailsShow source
Cashback balance redeemable in supported stablecoins such as USDC
Max cashback per month
$18/monthConditions apply: tap or hover for detailsShow source
Paid in USDs (RedotPay spend credit), Pro members only
Cashback conditions
Rates vary by merchant, merchant category, country, subscription plan, reward tier, campaign or promotional period and are shown in the app · Calculated on the final settled amount; cashback stays provisional until the transaction is settled · Most cashback credited within 5 business days after settlement; some merchants or schemes need up to 90 days or longer · Personal use only; not for business, commercial or bulk purchasing · Redemption may be subject to minimum thresholds and daily, monthly or other limitsShow source
RedotPay Pro membership required · Only Apple Pay or Google Pay transactions qualify · USDs usable only for future card transactions; cannot be withdrawn, transferred or used to buy cards · Cashback reclaimed on refunds/disputesShow source
Reward expiry / vesting
Cashback does not expire unless an expiry period is communicated in the app, programme rules or another durable communicationShow source
Cashback USDs expire after 30 daysShow source
Reward exclusions
Card-to-card transfers · ATM and other cash withdrawals · Gambling and betting transactions · Money transfers · Wallet or account top-ups · Quasi-cash transactions · Financial services transactions · Tax and certain government payments · Cryptocurrency or digital asset purchases, unless expressly permitted · Excluded MCCs (financial & money services): 4829, 6010, 6011, 6012, 6050, 6051, 6211, 6300, 6513, 6529, 6530, 6532, 6533, 6536, 6537, 6538, 6540, 6760, 8999 · Excluded MCCs (gambling & betting): 7800, 7801, 7802, 7995 · Excluded MCCs (government & tax payments): 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9411 · Excluded MCC (utilities & essential services): 4900 · Excluded MCCs (retail & miscellaneous): 5734, 5947, 7349, 7372, 8062, 8398, 8651, 8661 · Transactions via Curve cards or equivalent pass-through, intermediary or wallet-routing services · Refunded, reversed, cancelled, disputed or charged-back transactionsConditions apply: tap or hover for detailsShow source
List is "without limitation"; BTY may update excluded categories or MCCs
Credit & financing
Credit line
NoShow source
YesConditions apply: tap or hover for detailsShow source
Optional Credit feature (app v3.0.0+), usable for RedotPay card spending when set as main payment method
Credit type
Crypto-backed creditConditions apply: tap or hover for detailsShow source
Optional Credit feature; stablecoins excluded as collateral
Collateral assets
Supported crypto assets (excluding stablecoins)Show source
Interest notes
Interest calculated daily on the principal of the credit balance; simple interest (no compounding)Conditions apply: tap or hover for detailsShow source
Optional Credit feature
Spend by borrowing against collateral
YesConditions apply: tap or hover for detailsShow source
Optional; crypto collateral is locked at payment until repaid
Availability
Not available in
AF, AL, BY, BA, BV, BF, BI, CF, CD, Croatia, CU, ER, ET, GW, HT, India, Indonesia, IR, IQ, LB, LR, LY, CN, ML, ME, MA, MM, NP, NI, KP, MK, RU, RS, Singapore, Slovenia, SO, SS, SD, SY, Turkey, Ukraine, United States, VE, YE, ZWConditions apply: tap or hover for detailsShow source
Card issuance restricted list (Aug 28, 2026); also lists Kosovo and Netherlands Antilles, which have no current ISO code and are omitted
Account / spend currencies
EUR · USD · GBP · USDC · EURC · ETH · BTCConditions apply: tap or hover for detailsShow source
Account/wallet currencies in the Brighty app; page adds 'and more' for both fiat and crypto
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Named IBANs for EUR, GBP and USD
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
Stated as a footer link under Payments
YesShow source
Google Pay
YesConditions apply: tap or hover for detailsShow source
Stated as a footer link under Payments
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Not available in every country
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
YesShow source
Security & custody
Regulation / licences
BTY Digital AG affiliated with VQF, a Swiss self-regulatory organisation recognised by FINMA under the AMLA (membership no. 100917)Conditions apply: tap or hover for detailsShow source
Applies to BTY Digital AG (Baar, Switzerland), operator of the Brighty Cashback Programme; the page footer says payment cards are provided by licensed partners
Money Lender's Licence No. 1715/2025 (RedotPay Credit)Conditions apply: tap or hover for detailsShow source
Licence stated for the Credit feature; issuing jurisdiction not named on page
Annual cost at 1,500 EUR/month
Brighty Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
RedotPay
- Annual & monthly fees+0 EUR
- FX costs−43 EUR
- Crypto conversion–
- ATM costs−24 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