DeCard Luminaries vs Ripio Card
Crypto native
Crypto native
Verdict
- Ripio Card scores higher overall (5.8 vs 5.7 out of 10).
- DeCard Luminaries is clearly stronger on: Product features.
- Ripio 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.
DeCard Luminaries is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Product features
Ripio Card is a good fit for
- Everyday spenders who want cashback
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 | DeCard Luminaries | Ripio Card |
|---|---|---|
| Fees | 31 | 100 |
| Cashback & rewards | 40 | 47 |
| Availability | – | 7 |
| FX & international | 100 | – |
| Product features | 90 | 70 |
| Custody & security | – | 60 |
| Credit & financing | 70 | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 4.9 | 5.6 |
| Best for Travel | 7.0 | 5.7 |
| Best for DeFi Users | 5.7 | 6.4 |
| Best for Stablecoins | 6.3 | n/a |
| Best for High Spenders | 5.7 | 6.0 |
| Best for Low Fees | 6.2 | 8.0 |
| Best for Beginners | 6.6 | 6.9 |
| 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
Prepaid cardShow source
Network
VisaShow source
VisaShow source
Custody model
CustodialShow source
Card issuer / program manager
DCSShow 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
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
No maintenance cost
Physical card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Luminaries
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow source
Paying with crypto; 0.5% paying with ARS
Max cashback
10%Show source
4%Conditions apply: tap or hover for detailsShow source
New card users, first 30 days, paying with crypto
Cashback paid in
USDT, BTC or ETHShow source
Cashback type
CryptoShow source
Max cashback per month
$200/monthConditions apply: tap or hover for detailsShow source
Per month
Credit & financing
Credit line
YesShow source
Availability
Available in
Argentina, BrazilConditions apply: tap or hover for detailsShow source
Footer statement, may refer to Ripio products generally
Account / spend currencies
SGDShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
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
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
Ripio Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+360 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers