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Crypto.com Visa Card (EEA) vs DeCard Luminaries

Crypto.com Visa Card (EEA)

Crypto native

6.0
Get the card
DeCard Luminaries

Crypto native

6.0
Get the card

Verdict

  • Crypto.com Visa Card (EEA) and DeCard Luminaries have the same overall score (6.0/10).
  • Crypto.com Visa Card (EEA) is clearly stronger on: Fees, Availability.
  • DeCard Luminaries is clearly stronger on: Cashback & rewards, FX & international, Product features, Credit & financing.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Crypto.com Visa Card (EEA) is a good fit for

  • No specific audience can be derived from the published data yet.

Stronger on: Fees, Availability

DeCard Luminaries is a good fit for

  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card
  • Frequent travellers

Stronger on: Cashback & rewards, FX & international, Product features, Credit & financing

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesCrypto.com Visa Card (EEA) vs ether.fi CashDeCard Luminaries vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionCrypto.com Visa Card (EEA)DeCard Luminaries
Fees8765
Cashback & rewards940
Availability10027
FX & international20100
Product features7090
Custody & security75–
Credit & financing3055
Limits & ATM6455
Transparency100100
Best for Cashback4.45.2
Best for Travel5.37.4
Best for DeFi Users5.56.0
Best for Stablecoinsn/a7.1
Best for High Spenders3.86.2
Best for Low Fees6.97.8
Best for Beginners7.86.9
Best Crypto Credit Cardn/a5.8

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
No data yet

Network

VisaShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Prepaid card: crypto is converted to fiat before it is loaded; card balance is e-money at Foris MT Limited

No data yet

Card issuer / program manager

Foris MT Limited (Malta)Show source
DCSShow source

Tiers / plans

Basic (previously Midnight) · Plus (previously Ruby) · Pro (previously Jade/Indigo) · Private (previously Icy/Rose/Obsidian)Show source
DeCard · DeCard LuminariesShow source

Fees

Annual fee

No data yet
$388/yearConditions apply: tap or hover for detailsShow source

Luminaries, charged in SGD; DeCard One has no annual fee

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Free tier; paid tiers from €3.99/month (€39.90/year) to €24.99/month, or unlocked via 12-month CRO staking

No data yet

Physical card fee

€4.99Conditions apply: tap or hover for detailsShow source

Midnight/Basic tier; Ruby €24.99 or free depending on Level Up plan/stake

$100Conditions apply: tap or hover for detailsShow source

DeCard Luminaries; base DeCard USD card is US$10; delivery fee varies by market and is charged separately

Virtual card fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Luminaries; virtual card issuance

Replacement fee

€45.01Conditions apply: tap or hover for detailsShow source

Midnight; other tiers €50

$100Conditions apply: tap or hover for detailsShow source

Luminaries physical card; virtual card replacement US$0; delivery fee charged separately

FX fee

2%Conditions apply: tap or hover for detailsShow source

Midnight/Basic: 2.0% outside EU & UK, 0.2% within EU & UK; Ruby: 0.2% in EU/UK, outside free up to €400/month then 2%; Jade/Indigo free up to €800/month then 2%; higher tiers no fee (effective 1 Oct 2026)

0%Conditions apply: tap or hover for detailsShow source

Luminaries

Crypto conversion fee

No data yet
0%Conditions apply: tap or hover for detailsShow source

0% markup, as per market rate

Top-up fee

1%Conditions apply: tap or hover for detailsShow source

Only for top-ups with debit/credit card; minimum top-up €20

No data yet

ATM fee

2%Conditions apply: tap or hover for detailsShow source

Above the monthly free ATM limit; ATM provider surcharges may apply

1% (min. $5)Conditions apply: tap or hover for detailsShow source

1% of withdrawal or US$5 whichever is greater, plus ATM operator charges (Luminaries)

Free ATM allowance

€200/monthConditions apply: tap or hover for detailsShow source

Free tier, per month; €400 Ruby Steel, €800 Jade Green/Royal Indigo and Icy White/Rose Gold, €1,000 Obsidian

No data yet

Other fees & markups

Inactivity fee €6 per month after 12 months without card activity (€5 before 1 Oct 2026) · Account closure fee €50Show source
Late payment charge US$50 if the minimum payment is not received by the due date · Delivery fee for physical card varies by marketConditions apply: tap or hover for detailsShow source

DeCard Luminaries

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

Free tier

No data yet

Max cashback

4.5%Conditions apply: tap or hover for detailsShow source

Highest tier; monthly caps apply by tier

10%Show source

Cashback paid in

CROShow source
No data yet

Cashback type

Platform tokenShow source
No data yet

Cashback-eligible spend cap

$750/monthConditions apply: tap or hover for detailsShow source

Monthly spend eligible for rewards: Basic N/A, Plus USD 750, Pro USD 1,500, Icy/Rose USD 3,000 (0.5% thereafter), Obsidian USD 5,000 (1.0% thereafter)

No data yet

Max cashback per month

No data yet
$200/monthConditions apply: tap or hover for detailsShow source

Per month

Staking / holding required for top rewards

YesConditions apply: tap or hover for detailsShow source

Higher tiers via subscription or 12-month CRO staking

No data yet

Staking asset

CROShow source
No data yet

Capital required for top rewards

€450,000Conditions apply: tap or hover for detailsShow source

Obsidian tier (4.5%); 12-month lockup

No data yet

Reward exclusions

Certain merchant categories or channels are excluded from CRO RewardsShow source
No data yet

Credit & financing

Credit line

NoConditions apply: tap or hover for detailsShow source

prepaid card, must be topped up

YesShow source

Interest (APR)

No data yet
28%Conditions apply: tap or hover for detailsShow source

Per annum on total indebtedness excluding cash advance principal; waived if closing balance on current and previous statements is paid in full by due date; minimum interest US$3 per month; same for all three cards

Availability

Available in

EEAShow source
Singapore, Australia, Japan, South Korea, Malaysia, Philippines, TW, Thailand, VietnamConditions apply: tap or hover for detailsShow source

Individuals residing in these countries (DeCard)

Account / spend currencies

EURShow source
SGDShow source

Features

Apple Pay

YesConditions apply: tap or hover for detailsShow source

EU: available; not available in UK or Bahrain

YesShow source

Google Pay

YesConditions apply: tap or hover for detailsShow source

EU: Google Wallet available, Samsung Wallet not available

YesShow source

Physical card

No data yet
YesShow source

Virtual card

No data yet
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

No data yet
YesShow source

Airport lounge access

NoConditions apply: tap or hover for detailsShow source

Not included on the entry tier (Midnight Blue); only higher tiers (Jade Green/Royal Indigo with annual subscription, capped 2x/year; Icy White/Rose Gold/Obsidian)

YesConditions apply: tap or hover for detailsShow source

Two complimentary DragonPass visits

Travel / rental car insurance

No data yet
YesConditions apply: tap or hover for detailsShow source

Travel accident up to US$1 million; airfare charged to card

Spendable assets

No data yet
USDT · USDCConditions apply: tap or hover for detailsShow source

Luminaries repayment/prepayment

Limits

ATM limit

€2,000Conditions apply: tap or hover for detailsShow source

Daily; monthly €10,000, yearly €75,000; max 3 withdrawals per day

No data yet

Spending limit

€25,000Conditions apply: tap or hover for detailsShow source

Daily €25,000, monthly €25,000, yearly €250,000; card max balance €25,000

No data yet

Security & custody

Regulation / licences

Foris MT Limited: electronic money institution authorised by the Malta Financial Services Authority · Foris DAX MT Limited: MiCA crypto-asset service provider authorised by the MFSAShow source
No data yet

Annual cost at 1,500 EUR/month

Crypto.com Visa Card (EEA)

  • Annual & monthly fees+0 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+0 EUR
  • Net annual value-72 EUR

DeCard Luminaries

  • Annual & monthly fees−347 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−54 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

More Crypto.com Visa Card (EEA) comparisons

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