DeCard Luminaries vs Karma Card
Crypto native
Crypto native
Verdict
- At least one of the two cards does not have enough published data for an overall score.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
DeCard Luminaries is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Karma Card is a good fit for
- People who want to keep control of their keys
★ 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 | DeCard Luminaries | Karma Card |
|---|---|---|
| Fees | 31 | – |
| Cashback & rewards | 40 | – |
| Availability | – | – |
| FX & international | 100 | – |
| Product features | 90 | – |
| Custody & security | – | 80 |
| Credit & financing | 70 | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 4.9 | n/a |
| Best for Travel | 7.0 | n/a |
| Best for Self-Custody | n/a | 6.6 |
| Best for DeFi Users | 5.7 | n/a |
| Best for Stablecoins | 6.3 | n/a |
| Best for High Spenders | 5.7 | n/a |
| Best for Low Fees | 6.2 | n/a |
| Best for Beginners | 6.6 | n/a |
| Best Crypto Credit Card | 6.1 | n/a |
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
VisaShow source
Custody model
Self-custodyShow source
Card issuer / program manager
DCSShow source
Third National; card programme powered by RainShow source
Tiers / plans
DeCard One · DeCard LuminariesShow source
Fees
Annual fee
$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
Cashback & rewards
Max cashback
10%Show source
Max cashback per month
$200/monthConditions apply: tap or hover for detailsShow source
Per month
Credit & financing
Credit line
YesShow source
Availability
Account / spend currencies
SGDShow source
USD · EUR · GBPConditions apply: tap or hover for detailsShow source
Receive via virtual accounts (Bridge), converted to stablecoin
Features
Physical card
YesShow source
Virtual card
YesShow source
Spend stablecoins
YesShow source
Airport lounge access
YesConditions apply: tap or hover for detailsShow source
Two complimentary DragonPass visits
Travel / rental car insurance
YesConditions apply: tap or hover for detailsShow source
Travel accident up to US$1 million; airfare charged to card
Security & custody
Deposit protection
NoShow source
Annual cost at 1,500 EUR/month
DeCard Luminaries
- Annual & monthly fees−347 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Karma Card
- Annual & monthly feesunknown
- FX costsunknown
- 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