RedotPay
Hong Kong-based crypto payment app with virtual and physical Visa cards funded by crypto balances. An optional Pro membership waives part of the ATM fees.
Base cashback
Max cashback
3%*Show source
Max cashback: 3%
RedotPay Pro (monthly or annual) only; Apple Pay / Google Pay transactions only; capped at 18 USDs per month
Source states (paraphrased): Earn 3% cashback on Apple Pay and Google Pay purchases (up to $18 per month).
Source: Getting Started with RedotPay Pro
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Base fee
Free*Show source
Annual fee: Free
Stated under Physical Card; currency not stated on page
Source states (paraphrased): No annual fees
Source: RedotPay Crypto Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
FX fee
1.2%*Show source
FX fee: 1.2%
Spending in a currency other than the card currency
Source states (paraphrased): Transaction in another currency: 1.2%.
Source: Can I Withdraw Cash from an ATM, and Are There Any Fees?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
ATM fee
2%*Show source
ATM fee: 2%
USD card up to $10,000/month, 3% above; Pro annual waives up to $1,000/month of RedotPay ATM fees
Source states (paraphrased): ATM withdrawals on a USD card cost 2% up to $10,000 a month, then 3%.
Source: Can I Withdraw Cash from an ATM, and Are There Any Fees?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Card fee
$100Show source
Physical card fee: $100
Source states (paraphrased): Physical card: 100 USD.
Source: Are There Any Fees for Getting a Card?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Credit line
Yes*Show source
Credit line: Yes
Optional Credit feature (app v3.0.0+), usable for RedotPay card spending when set as main payment method
Source states (paraphrased): Credit is a payment tool that lets you access a flexible credit line backed by your cryptocurrency holdings.
Source: Getting Started with RedotPay Credit | RedotPay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No annual or monthly fee on the base tier
- Apple Pay and Google Pay
- Spends stablecoins directly
- Spend by borrowing against crypto instead of selling
Cons
- Top rate of 3% only with conditions — RedotPay Pro (monthly or annual) only; Apple Pay / Google Pay transactions only; capped at 18 USDs per month
- ATM fee 2%
- Physical card costs $100
Good for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Not for
Not enough data to say.
Risks to understand
- Borrowing against crypto: falling collateral prices can trigger liquidation, and interest rates can change.
- Stablecoins can de-peg and are not covered by deposit protection.
All details
Fees7/15
- Annual fee
Free*Show source
Annual fee: Free
Stated under Physical Card; currency not stated on page
Source states (paraphrased): No annual fees
Source: RedotPay Crypto Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Stated under Physical Card; currency not stated on page
- Physical card fee
$100Show source
Physical card fee: $100
Source states (paraphrased): Physical card: 100 USD.
Source: Are There Any Fees for Getting a Card?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
- Virtual card fee
$10Show source
Virtual card fee: $10
Source states (paraphrased): Virtual card: 10 USD.
Source: Are There Any Fees for Getting a Card?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
- FX fee
1.2%*Show source
FX fee: 1.2%
Spending in a currency other than the card currency
Source states (paraphrased): Transaction in another currency: 1.2%.
Source: Can I Withdraw Cash from an ATM, and Are There Any Fees?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Spending in a currency other than the card currency
- Crypto conversion fee
1%Show source
Crypto conversion fee: 1%
Source states (paraphrased): Crypto conversion costs 1%.
Source: Can I Withdraw Cash from an ATM, and Are There Any Fees?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
- ATM fee
2%*Show source
ATM fee: 2%
USD card up to $10,000/month, 3% above; Pro annual waives up to $1,000/month of RedotPay ATM fees
Source states (paraphrased): ATM withdrawals on a USD card cost 2% up to $10,000 a month, then 3%.
Source: Can I Withdraw Cash from an ATM, and Are There Any Fees?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
USD card up to $10,000/month, 3% above; Pro annual waives up to $1,000/month of RedotPay ATM fees
- Other fees & markups
1.5% transaction fee (min. 0.50 USD) at specific listed merchants (e.g. Facebook Ads, Discord, some games); first 3 eligible transactions per card per calendar month waived*Show source
Other fees & markups: 1.5% transaction fee (min. 0.50 USD) at specific listed merchants (e.g. Facebook Ads, Discord, some games); first 3 eligible transactions per card per calendar month waived
Waived on the first 3 eligible transactions per card each calendar month; merchant list reviewed regularly
Source states (paraphrased): Some purchases at specific merchants have a 1.5% transaction fee, with a minimum of 0.50 USD per transaction.
Source: Select Merchant Transaction Fee Rules
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Waived on the first 3 eligible transactions per card each calendar month; merchant list reviewed regularly
Not yet researched: Monthly fee, Replacement fee, Top-up fee, Crypto withdrawal fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee.
Cashback & rewards5/14
- Max cashback
3%*Show source
Max cashback: 3%
RedotPay Pro (monthly or annual) only; Apple Pay / Google Pay transactions only; capped at 18 USDs per month
Source states (paraphrased): Earn 3% cashback on Apple Pay and Google Pay purchases (up to $18 per month).
Source: Getting Started with RedotPay Pro
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
RedotPay Pro (monthly or annual) only; Apple Pay / Google Pay transactions only; capped at 18 USDs per month
- Cashback paid in
USDsShow source
Cashback paid in: USDs
Source states (paraphrased): Cashback is issued in USDs.
Source: Getting Started with RedotPay Pro
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
- Max cashback per month
$18/month*Show source
Max cashback per month: $18/month
Paid in USDs (RedotPay spend credit), Pro members only
Source states (paraphrased): Monthly cap : 18 USDs per month.
Source: Getting Started with RedotPay Pro
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Paid in USDs (RedotPay spend credit), Pro members only
- Cashback conditions
RedotPay Pro membership required · Only Apple Pay or Google Pay transactions qualify · USDs usable only for future card transactions; cannot be withdrawn, transferred or used to buy cards · Cashback reclaimed on refunds/disputesShow source
Cashback conditions: RedotPay Pro membership required · Only Apple Pay or Google Pay transactions qualify · USDs usable only for future card transactions; cannot be withdrawn, transferred or used to buy cards · Cashback reclaimed on refunds/disputes
Source states (paraphrased): Eligibility : Only transactions made via Apple Pay or Google Pay qualify.
Source: Getting Started with RedotPay Pro
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
- Reward expiry / vesting
Cashback USDs expire after 30 daysShow source
Reward expiry / vesting: Cashback USDs expire after 30 days
Source states (paraphrased): Validity : Issued USDs expire after 30 days.
Source: Getting Started with RedotPay Pro
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Not yet researched: Base cashback, Cashback type, Interest on balance, Cashback-eligible spend cap, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward exclusions.
Credit & financing4/11
- Credit line
Yes*Show source
Credit line: Yes
Optional Credit feature (app v3.0.0+), usable for RedotPay card spending when set as main payment method
Source states (paraphrased): Credit is a payment tool that lets you access a flexible credit line backed by your cryptocurrency holdings.
Source: Getting Started with RedotPay Credit | RedotPay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Optional Credit feature (app v3.0.0+), usable for RedotPay card spending when set as main payment method
- Credit type
Crypto-backed credit*Show source
Credit type: Crypto-backed credit
Optional Credit feature; stablecoins excluded as collateral
Source states (paraphrased): access a flexible credit line backed by your cryptocurrency holdings
Source: Getting Started with RedotPay Credit | RedotPay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Optional Credit feature; stablecoins excluded as collateral
- Interest notes
Interest calculated daily on the principal of the credit balance; simple interest (no compounding)*Show source
Interest notes: Interest calculated daily on the principal of the credit balance; simple interest (no compounding)
Optional Credit feature
Source states (paraphrased): Interest is calculated daily based on the principal portion of your credit balance.
Source: Getting Started with RedotPay Credit | RedotPay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Optional Credit feature
- Spend by borrowing against collateral
Yes*Show source
Spend by borrowing against collateral: Yes
Optional; crypto collateral is locked at payment until repaid
Source states (paraphrased): set Credit as your main payment method
Source: Getting Started with RedotPay Credit | RedotPay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 70%
Optional; crypto collateral is locked at payment until repaid
Not yet researched: Collateral assets, Max loan-to-value, Interest (APR), Grace period, Repayment, Liquidation risk, Spend own balance directly.
Supported countries & currencies1/4
- Not available in
AF, AL, BY, BA, BV, BF, BI, CF, CD, Croatia, CU, ER, ET, GW, HT, India, Indonesia, IR, IQ, LB, LR, LY, CN, ML, ME, MA, MM, NP, NI, KP, MK, RU, RS, Singapore, Slovenia, SO, SS, SD, SY, Turkey, Ukraine, United States, VE, YE, ZW*Show source
Not available in: AF, AL, BY, BA, BV, BF, BI, CF, CD, Croatia, CU, ER, ET, GW, HT, India, Indonesia, IR, IQ, LB, LR, LY, CN, ML, ME, MA, MM, NP, NI, KP, MK, RU, RS, Singapore, Slovenia, SO, SS, SD, SY, Turkey, Ukraine, United States, VE, YE, ZW
Card issuance restricted list (Aug 28, 2026); also lists Kosovo and Netherlands Antilles, which have no current ISO code and are omitted
Source states (paraphrased): Residents of these areas are ineligible for both virtual and physical cards
Source: Card Issuance Restrictions | RedotPay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Card issuance restricted list (Aug 28, 2026); also lists Kosovo and Netherlands Antilles, which have no current ISO code and are omitted
Not yet researched: Available in, Account / spend currencies, Own IBAN / bank details.
Features, wallets & supported assets6/11
- Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): Only transactions made via Apple Pay or Google Pay qualify.
Source: Getting Started with RedotPay Pro
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
- Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): Only transactions made via Apple Pay or Google Pay qualify.
Source: Getting Started with RedotPay Pro
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
- Physical card
Yes*Show source
Physical card: Yes
Not available in every country
Source: Are There Any Fees for Getting a Card?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Not available in every country
- Virtual card
YesShow source
Virtual card: Yes
Source: Are There Any Fees for Getting a Card?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
- ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source: Can I Withdraw Cash from an ATM, and Are There Any Fees?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
- Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source states (paraphrased): Stablecoin holders can spend globally through leading card networks with ease.
Source: RedotPay Crypto Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Not yet researched: Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody1/3
- Regulation / licences
Money Lender's Licence No. 1715/2025 (RedotPay Credit)*Show source
Regulation / licences: Money Lender's Licence No. 1715/2025 (RedotPay Credit)
Licence stated for the Credit feature; issuing jurisdiction not named on page
Source states (paraphrased): Money Lender's Licence No: [1715/2025]
Source: Getting Started with RedotPay Credit | RedotPay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 70%
Licence stated for the Credit feature; issuing jurisdiction not named on page
Not yet researched: Deposit protection, Smart-contract risk.
Limits0/2
No limits data published or researched yet.
Product3/7
- Product status
ActiveShow source
Product status: Active
Source: RedotPay Crypto Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
- Network
VisaShow source
Network: Visa
Source: RedotPay Crypto Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Tiers / plans
Regular account · RedotPay Pro Monthly ($12.90/month) · RedotPay Pro Annual ($129.00/year)*Show source
Tiers / plans: Regular account · RedotPay Pro Monthly ($12.90/month) · RedotPay Pro Annual ($129.00/year)
Annual: "Annual Membership: $129.00 / year"; without membership the account is a "regular account"
Source states (paraphrased): Monthly Membership: $12.90 / month
Source: Getting Started with RedotPay Pro
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Annual: "Annual Membership: $129.00 / year"; without membership the account is a "regular account"
Not yet researched: Card type, Custody model, Launch date, Card issuer / program manager.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year · Per-transaction costs ≈ 1.00% | 20% | 86 |
Cashback & rewards Only an 'up to' rate is published | 20% | 12 |
Availability | 15% | No data — excluded |
FX & international FX fee 1.2% | 10% | 52 |
Product features 6 of 6 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security | 10% | No data — excluded |
Credit & financing Credit line available | 5% | 70 |
Limits & ATM ATM cost on €200 ≈ 2.0% | 5% | 60 |
Transparency 4 of 4 checked key terms disclosed · 1 contradiction(s) between official sources | 5% | 93 |
Data coverage 75%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does RedotPay have an annual or monthly fee?
Base tier: Free (Stated under Physical Card; currency not stated on page). Source: RedotPay Crypto Card.
What is the FX fee of RedotPay?
1.2% (Spending in a currency other than the card currency). Source: Can I Withdraw Cash from an ATM, and Are There Any Fees?.
How much cashback does RedotPay pay?
Highest advertised rate: 3% (RedotPay Pro (monthly or annual) only; Apple Pay / Google Pay transactions only; capped at 18 USDs per month). Paid in USDs.
Is RedotPay a credit card?
Yes — Crypto-backed credit (Optional Credit feature; stablecoins excluded as collateral) (Optional Credit feature (app v3.0.0+), usable for RedotPay card spending when set as main payment method).
Does RedotPay work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history29 entries
- Regulation / licences not disclosed → ["Money Lender's Licence No. 1715/2025 (RedotPay Credit)"] · 24 October 2026 · approved
- Interest notes not disclosed → "Interest calculated daily on the principal of the credit balance; simple interest (no compounding)" · 24 October 2026 · approved
- Spend by borrowing against collateral not disclosed → true · 24 October 2026 · approved
- Credit type not disclosed → "crypto_backed" · 24 October 2026 · approved
- Credit line not disclosed → true · 24 October 2026 · approved
- Not available in not disclosed → ["AF","AL","BY","BA","BV","BF","BI","CF","CD","HR","CU","ER","ET","GW","HT","IN","ID","IR","IQ","LB","LR","LY","CN","ML","ME","MA","MM","NP","NI","KP","MK","RU","RS","SG","SI","SO","SS","SD","SY","TR","UA","US","VE","YE","ZW"] · 24 October 2026 · approved
- Annual fee not disclosed → {"amount":0,"currency":"USD"} · 23 October 2026 · approved
- Spend stablecoins not disclosed → true · 23 October 2026 · approved
- Google Pay not disclosed → true · 23 October 2026 · approved
- Apple Pay not disclosed → true · 23 October 2026 · approved
- Reward expiry / vesting not disclosed → "Cashback USDs expire after 30 days" · 23 October 2026 · approved
- Cashback conditions not disclosed → ["RedotPay Pro membership required","Only Apple Pay or Google Pay transactions qualify","USDs usable only for future card transactions; cannot be withdrawn, transferred or used to buy cards","Cashback reclaimed on refunds/disputes"] · 23 October 2026 · approved
- Cashback paid in not disclosed → "USDs" · 23 October 2026 · approved
- Max cashback per month not disclosed → {"amount":18,"currency":"USD"} · 23 October 2026 · approved
- Max cashback not disclosed → 3 · 23 October 2026 · approved
- Tiers / plans ["Standard","Pro ($12.90/month or $129/year)"] → ["Regular account","RedotPay Pro Monthly ($12.90/month)","RedotPay Pro Annual ($129.00/year)"] · 23 October 2026 · approved
- Other fees & markups ["1.5% fee (min. $0.50) at certain merchants; up to three waivers per card per month"] → ["1.5% transaction fee (min. 0.50 USD) at specific listed merchants (e.g. Facebook Ads, Discord, some games); first 3 eligible transactions per card per calendar month waived"] · 23 October 2026 · approved
- Physical card recorded · 22 October 2026 · auto-approved
- Virtual card recorded · 22 October 2026 · auto-approved
- Other fees & markups recorded · 22 October 2026 · auto-approved
- ATM fee recorded · 22 October 2026 · auto-approved
- Crypto conversion fee recorded · 22 October 2026 · auto-approved
- FX fee recorded · 22 October 2026 · auto-approved
- Physical card fee recorded · 22 October 2026 · auto-approved
- Virtual card fee recorded · 22 October 2026 · auto-approved