DeCard Luminaries vs UPay 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
UPay Card is a good fit for
- No specific audience can be derived from the published data yet.
★ 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 | UPay Card |
|---|---|---|
| Fees | 31 | – |
| Cashback & rewards | 40 | – |
| Availability | – | – |
| FX & international | 100 | – |
| Product features | 90 | – |
| Custody & security | – | – |
| Credit & financing | 70 | – |
| Limits & ATM | – | – |
| Transparency | 100 | – |
| Best for Cashback | 4.9 | n/a |
| Best for Travel | 7.0 | n/a |
| 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
Network
VisaShow 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
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
Features
Physical card
YesShow source
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
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
UPay 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