Crydit Visa Card vs Lumo Card
Crypto native
Crypto native
Verdict
- Crydit Visa Card and Lumo Card have the same overall score (6.2/10).
- Lumo 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.
Crydit Visa Card is a good fit for
- No specific audience can be derived from the published data yet.
Lumo Card is a good fit for
- People who want to keep control of their keys
Stronger on: Fees
★ 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 | Crydit Visa Card | Lumo Card |
|---|---|---|
| Fees | 50 | 84 |
| Cashback & rewards | – | – |
| Availability | 100 | – |
| FX & international | – | 30 |
| Product features | 70 | 70 |
| Custody & security | – | 80 |
| Credit & financing | – | – |
| Limits & ATM | 50 | – |
| Transparency | 100 | 100 |
| Best for Travel | 6.0 | 5.3 |
| Best for Self-Custody | n/a | 7.1 |
| Best for DeFi Users | n/a | 6.8 |
| Best for Low Fees | 5.8 | 6.8 |
| Best for Beginners | 7.3 | 7.5 |
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
VisaShow source
Custody model
Self-custodyShow source
Launch date
2026-07-01Conditions apply: tap or hover for detailsShow source
Wallet launch date, not necessarily card
Card issuer / program manager
Wirex (Basic); Interlace (Pro)Show source
Tiers / plans
Lumo Basic · Lumo ProShow source
Fees
Annual fee
FreeShow source
Physical card fee
$199Conditions apply: tap or hover for detailsShow source
$199 or $249 depending on card
FX fee
1.75%Conditions apply: tap or hover for detailsShow source
Basic card: 1% plus 0.75% Lumo margin
Crypto conversion fee
1.5%Conditions apply: tap or hover for detailsShow source
Plus 0.8 USDT per transaction
0.4%Conditions apply: tap or hover for detailsShow source
Wallet swap fee; card spend conversion fee not separately stated
Top-up fee
1%Show source
ATM fee
2.5%Show source
Other fees & markups
Lumo Pro card one-time issuance fee $3.99 · Top-ups and other card fees shown in the appShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
210+ countries and regions
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
Where supported
Google Pay
YesConditions apply: tap or hover for detailsShow source
Where supported
Physical card
YesShow source
ATM withdrawals
YesShow source
Annual cost at 1,500 EUR/month
Crydit Visa Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs−30 EUR
- Cashbackunknown
- Net annual valuenot enough data
Lumo Card
- Annual & monthly feesunknown
- FX costs−63 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