DeCard Luminaries vs TXBFI Lifetime Visa Card
Crypto native
Crypto native
Verdict
- DeCard Luminaries scores higher overall (5.2 vs 5.1 out of 10).
- DeCard Luminaries is clearly stronger on: Cashback & rewards, FX & international.
- TXBFI Lifetime Visa 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
- Frequent travellers
Stronger on: Cashback & rewards, FX & international
TXBFI Lifetime Visa Card is a good fit for
- No specific audience can be derived from the published data yet.
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 | TXBFI Lifetime Visa Card |
|---|---|---|
| Fees | 31 | 66 |
| Cashback & rewards | 40 | 2 |
| Availability | – | – |
| FX & international | 100 | 76 |
| Product features | – | 70 |
| Custody & security | – | – |
| Credit & financing | – | – |
| Limits & ATM | – | 60 |
| Transparency | 100 | 100 |
| Best for Cashback | 4.7 | 3.4 |
| Best for Travel | 6.6 | 6.3 |
| Best for DeFi Users | n/a | 4.9 |
| Best for High Spenders | 5.3 | 4.2 |
| Best for Low Fees | 6.2 | 7.3 |
| Best for Beginners | 5.6 | 6.3 |
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
Tiers / plans
DeCard One · DeCard LuminariesShow source
Virtual · Physical · Metal · GoldShow source
Fees
Annual fee
$388/yearConditions apply: tap or hover for detailsShow source
Luminaries, charged in SGD; DeCard One has no annual fee
FreeShow source
Monthly fee
FreeShow source
Physical card fee
$300Conditions apply: tap or hover for detailsShow source
One-time; Metal $1,000, Gold $10,000
Virtual card fee
$25Conditions apply: tap or hover for detailsShow source
One-time, lifetime card
FX fee
0%Conditions apply: tap or hover for detailsShow source
Luminaries
0.6%Show source
Top-up fee
2.6%Conditions apply: tap or hover for detailsShow source
Virtual and plastic; Metal 2.4%, Gold 1.8%
ATM fee
2%Conditions apply: tap or hover for detailsShow source
From 2%; not on the virtual card
Cashback & rewards
Base cashback
0.05%Conditions apply: tap or hover for detailsShow source
Virtual tier
Max cashback
10%Show source
0.4%Conditions apply: tap or hover for detailsShow source
Gold tier ($10,000)
Cashback paid in
BTCShow source
Cashback type
CryptoShow source
Max cashback per month
$200/monthConditions apply: tap or hover for detailsShow source
Per month
Availability
Account / spend currencies
SGDShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
Limits
ATM limit
$3,000Conditions apply: tap or hover for detailsShow source
Per day, highest tier
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
TXBFI Lifetime Visa Card
- Annual & monthly fees+0 EUR
- FX costs−22 EUR
- Crypto conversion–
- ATM costs−24 EUR
- Cashback+9 EUR
- Net annual value-37 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers