Avici Card vs Plutus
Crypto native
Crypto native
Verdict
- Avici Card scores higher overall (6.7 vs 4.3 out of 10).
- Avici Card is clearly stronger on: Fees, Availability, FX & international, Product features, Limits & ATM.
- Plutus is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Avici Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Fees, Availability, FX & international, Product features, Limits & ATM
Plutus is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Cashback & rewards
Score by criterion
| Criterion | Avici Card | Plutus |
|---|---|---|
| Fees | 97 | 85 |
| Cashback & rewards | 0 | 25 |
| Availability | 100 | 0 |
| FX & international | 60 | 0 |
| Product features | 80 | 70 |
| Custody & security | 70 | – |
| Credit & financing | 75 | – |
| Limits & ATM | 78 | 50 |
| Transparency | 79 | 86 |
| Best for Cashback | 4.3 | 3.8 |
| Best for Travel | 6.9 | 3.4 |
| Best for Self-Custody | 6.4 | n/a |
| Best for DeFi Users | 6.2 | 5.2 |
| Best for Stablecoins | 6.3 | n/a |
| Best for High Spenders | 4.7 | 4.1 |
| Best for Low Fees | 8.2 | 5.9 |
| Best for Beginners | 7.7 | 5.9 |
| Best Crypto Credit Card | 6.7 | n/a |
Product
Product status
ActiveShow source
Product status: Active
Source: Secured Credit Cards
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Paused*Show source
Product status: Paused
Card/banking features in migration; card spending currently earns no PLUS
Source: Plutus Q1 Migration FAQ
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Card/banking features in migration; card spending currently earns no PLUS
Card type
Crypto-backed credit*Show source
Card type: Crypto-backed credit
Secured credit card backed by your own deposit
Source: Secured Credit Cards
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
Secured credit card backed by your own deposit
Debit card*Show source
Card type: Debit card
Card currently in migration per other Plutus pages
Source states (paraphrased): when you make purchases with our Visa Debit Card.
Source: Earn up to 9% in rewards
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Card currently in migration per other Plutus pages
Network
VisaShow source
Network: Visa
Source states (paraphrased): Works anywhere a Visa international card is accepted.
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Visa*Show source
Network: Visa
Card currently in migration per other Plutus pages
Source states (paraphrased): when you make purchases with our Visa Debit Card.
Source: Earn up to 9% in rewards
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Card currently in migration per other Plutus pages
Custody model
Self-custody*Show source
Custody model: Self-custody
Funds in a smart contract owned by your wallet; Avici can only withdraw against card charges
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Funds in a smart contract owned by your wallet; Avici can only withdraw against card charges
Card issuer / program manager
Third National*Show source
Card issuer / program manager: Third National
Card access provided by Avici Inc.
Source states (paraphrased): The issuer for this card program is Third National.
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Card access provided by Avici Inc.
Block Code LT UAB (Plutus); card provided by a banking partner (EMI)Show source
Card issuer / program manager: Block Code LT UAB (Plutus); card provided by a banking partner (EMI)
Source states (paraphrased): We are Block Code LT UAB, trading as Plutus
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Tiers / plans
Platinum · SignatureShow source
Tiers / plans: Platinum · Signature
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Starter · Everyday · PremiumShow source
Tiers / plans: Starter · Everyday · Premium
Source states (paraphrased): the Starter , Everyday and Premium plans
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Fees
Annual fee
Free*Show source
Annual fee: Free
Platinum; Signature costs $30 the first year, then $20/year
Source states (paraphrased): Platinum: one-time fee, no recurring charges. Signature: $30 first year, then $20 annually.
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Platinum; Signature costs $30 the first year, then $20/year
Monthly fee
£1.99/month*Show source
Monthly fee: £1.99/month
Cheapest listed paid plan (Lite), from 14 Sep 2026; page does not mention a free plan
Source states (paraphrased): | Lite | £1.99 /mo | 3% | | £100
Source: An update to your Plutus plan
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Cheapest listed paid plan (Lite), from 14 Sep 2026; page does not mention a free plan
Physical card fee
$50*Show source
Physical card fee: $50
Platinum; Signature $75
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Platinum; Signature $75
€9.99*Show source
Physical card fee: €9.99
Same on all plans
Source states (paraphrased): 1.6 Physical Card Order Fee Starter Everyday Premium €9.99 / £9.99
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Same on all plans
Virtual card fee
$15*Show source
Virtual card fee: $15
Platinum, first card; further cards $10
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Platinum, first card; further cards $10
FreeShow source
Virtual card fee: Free
Source states (paraphrased): Virtual cards are free of charge while physical cards are subject to an order fee
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
FX fee
1%*Show source
FX fee: 1%
Charged by Visa, no Avici markup; terms allow up to 3%
Source states (paraphrased): Foreign Exchange Fee (non USD): up to 3%, currently 1% (charged by Visa, no markup from Avici).
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Charged by Visa, no Avici markup; terms allow up to 3%
2.5%*Show source
FX fee: 2.5%
Same on all plans
Source states (paraphrased): if you use a EURO-denominated card to make a payment in a currency other than EURO, a 2.5% fee will be imposed
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Same on all plans
Crypto conversion fee
1%*Show source
Crypto conversion fee: 1%
Trading fee 1% on Starter; 0% on Everyday and Premium
Source states (paraphrased): 1.3 Trading Fee Starter Everyday Premium 1% 0% 0%
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Trading fee 1% on Starter; 0% on Everyday and Premium
Top-up fee
FreeShow source
Top-up fee: Free
Source states (paraphrased): no top-up or withdrawal to wallet fees
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
FreeShow source
Top-up fee: Free
Source states (paraphrased): 1.1 Fiat Deposit Starter Everyday Premium Free
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Crypto withdrawal fee
Free*Show source
Crypto withdrawal fee: Free
Withdrawal from card to wallet
Source states (paraphrased): no top-up or withdrawal to wallet fees
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Withdrawal from card to wallet
ATM fee
$1 + 0.65%*Show source
ATM fee: $1 + 0.65%
Listed as maximum charges; FX fee additionally charged on non-USD withdrawals; balance inquiry and decline fees $0.60 each
Source states (paraphrased): ATM - Withdrawal Fee: $1.00 + 0.65%
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Listed as maximum charges; FX fee additionally charged on non-USD withdrawals; balance inquiry and decline fees $0.60 each
2.5%*Show source
ATM fee: 2.5%
Same on all plans; note the EEA terms state ATM withdrawals are not permitted
Source states (paraphrased): 3.1 ATM withdrawal Starter Everyday Premium 2.5%
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 55%
Same on all plans; note the EEA terms state ATM withdrawals are not permitted
Small transaction fee
Free*Show source
Small transaction fee: Free
No transaction fees
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
No transaction fees
Other fees & markups
Dispute fee of $35 (USDC or USDT), non-refundable; only transactions over $30 can be disputed · Replacing a card (delete and create new) costs the same fees as a new card*Show source
Other fees & markups: Dispute fee of $35 (USDC or USDT), non-refundable; only transactions over $30 can be disputed · Replacing a card (delete and create new) costs the same fees as a new card
No extra charges for Apple Pay / Google Pay spending
Source states (paraphrased): Filing a dispute requires a $35 fee , payable in USDC or USDT .
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
No extra charges for Apple Pay / Google Pay spending
Dynamic PLU rewards payout fee (gas + service fees)Show source
Other fees & markups: Dynamic PLU rewards payout fee (gas + service fees)
Source states (paraphrased): PLU payout fees are dynamically linked to the Ethereum network's GAS fees
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Cashback & rewards
Base cashback
0%*Show source
Base cashback: 0%
No cashback programme (owner research)
Source states (paraphrased): Owner research: Avici has no cashback.
Source: https://avici.money/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
No cashback programme (owner research)
Max cashback
9%*Show source
Max cashback: 9%
Up to; 3% base on subscription plans, higher reward levels require holding more PLU; currently not earned on card spend
Source: Earn up to 9% in rewards
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Up to; 3% base on subscription plans, higher reward levels require holding more PLU; currently not earned on card spend
Cashback paid in
Dynamic Rewards Points (in-app, not withdrawable)Show source
Cashback paid in: Dynamic Rewards Points (in-app, not withdrawable)
Source states (paraphrased): These are not eligible for withdrawal and may be used only within the Plutus app
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Cashback type
None*Show source
Cashback type: None
No cashback programme (owner research); the site only lists Visa network benefits
Source states (paraphrased): Owner research: Avici has no cashback.
Source: https://avici.money/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
No cashback programme (owner research); the site only lists Visa network benefits
PointsShow source
Cashback type: Points
Source states (paraphrased): PLUS are in-app points and will not be offered as an on-chain utility until we are licensed.
Source: An update to your Plutus plan
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Cashback-eligible spend cap
€250/month*Show source
Cashback-eligible spend cap: €250/month
Monthly, Starter plan; Everyday EUR 500, Premium EUR 1,000
Source states (paraphrased): 4.5 Card Spend Eligible for Rewards (monthly) Starter Everyday Premium £250 / €250
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Monthly, Starter plan; Everyday EUR 500, Premium EUR 1,000
Cashback conditions
Requires a Starter, Everyday or Premium subscription plan · Monthly reward limits per plan, reset on the 1st of each month · Rewards pending for 45 days after settlementShow source
Cashback conditions: Requires a Starter, Everyday or Premium subscription plan · Monthly reward limits per plan, reset on the 1st of each month · Rewards pending for 45 days after settlement
Source states (paraphrased): The PRS will be marked as ‘Pending’ in your account for 45 days
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Staking / holding required for top rewards
Yes*Show source
Staking / holding required for top rewards: Yes
Higher reward levels require holding PLU
Source: Earn up to 9% in rewards
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Higher reward levels require holding PLU
Staking asset
Pluton (PLU / Rare PLU)Show source
Staking asset: Pluton (PLU / Rare PLU)
Source states (paraphrased): It can no longer be earned via card spending and is used for Reward Level progression
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Reward expiry / vesting
Unredeemed points expire 30 days after subscription cancellation; remaining rewards forfeited on account closureShow source
Reward expiry / vesting: Unredeemed points expire 30 days after subscription cancellation; remaining rewards forfeited on account closure
Source states (paraphrased): any unredeemed PLUS Points associated with your subscription tier will automatically expire 30 days after the cancellation date
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Reward exclusions
Business/commercial transactions · Payments to other accounts or cards · Money transfers and wallet top-ups · Financial services, loans, currency exchanges · Investments · Gift cards, prepaid cards, vouchers · Gambling and lotteries · Refunded transactions · Payments to government institutions/overpaymentsShow source
Reward exclusions: Business/commercial transactions · Payments to other accounts or cards · Money transfers and wallet top-ups · Financial services, loans, currency exchanges · Investments · Gift cards, prepaid cards, vouchers · Gambling and lotteries · Refunded transactions · Payments to government institutions/overpayments
Source states (paraphrased): amounts related to gift cards, prepaid cards, reloadable cards and/or vouchers/coupons
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Credit & financing
Credit line
Yes*Show source
Credit line: Yes
Secured by your own deposit
Source: Secured Credit Cards
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Secured by your own deposit
Credit type
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source: Secured Credit Cards
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Collateral assets
USDCShow source
Collateral assets: USDC
Source states (paraphrased): User deposits USDC in a Loan Escrow smart contract
Source: Secured Credit Cards
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Max loan-to-value
100%*Show source
Max loan-to-value: 100%
Collateral market value in USD must equal each dollar charged; spending limit equals collateral value
Source states (paraphrased): will be required to post Collateral that has Market Value in United States Dollars (“USD”) equal to each dollar that is charged to all of your Avici Cards
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 65%
Collateral market value in USD must equal each dollar charged; spending limit equals collateral value
Interest (APR)
0%*Show source
Interest (APR): 0%
0% interest on all purchases currently; Issuer and Avici reserve the right to introduce interest for new purchases with prior disclosure
Source states (paraphrased): Annual Percentage Rate (APR) for Purchases: 0%
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
0% interest on all purchases currently; Issuer and Avici reserve the right to introduce interest for new purchases with prior disclosure
Grace period
One calendar day before an unpaid obligation triggers a Liquidation Event; additional grace period at Avici/Issuer discretionShow source
Grace period: One calendar day before an unpaid obligation triggers a Liquidation Event; additional grace period at Avici/Issuer discretion
Source states (paraphrased): such payment obligation has not been paid in full by you within one (1) calendar day
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Repayment
Automatic deduction from topped-up USDC balance; no billing cycle or manual repaymentShow source
Repayment: Automatic deduction from topped-up USDC balance; no billing cycle or manual repayment
Source states (paraphrased): There’s no billing cycle or manual repayment. We auto-deduct from your topped-up USDC balance.
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Liquidation risk
Yes*Show source
Liquidation risk: Yes
Liquidation Event if a payment is unpaid after one calendar day or collateral value falls below existing charges
Source states (paraphrased): If a Liquidation Event occurs, only the amount required to repay your outstanding financial obligations to Issuer will be liquidated from your Collateral.
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Liquidation Event if a payment is unpaid after one calendar day or collateral value falls below existing charges
Availability
Available in
AG, Argentina, Australia, BS, BB, BD, BZ, BO, Brazil, KY, Colombia, CR, CI, DO, EC, EG, SV, GH, GD, GT, GY, HN, Hong Kong, Japan, Kenya, Malaysia, Mexico, MA, New Zealand, PK, PA, PY, Peru, Philippines, KN, LC, VC, SN, Singapore, South Africa, SR, Thailand, TT, TC, United Arab Emirates, UG, UY, ZM, United States*Show source
Available in: AG, Argentina, Australia, BS, BB, BD, BZ, BO, Brazil, KY, Colombia, CR, CI, DO, EC, EG, SV, GH, GD, GT, GY, HN, Hong Kong, Japan, Kenya, Malaysia, Mexico, MA, New Zealand, PK, PA, PY, Peru, Philippines, KN, LC, VC, SN, Singapore, South Africa, SR, Thailand, TT, TC, United Arab Emirates, UG, UY, ZM, United States
Explicit list of available regions. USA only in listed supported states (personal accounts: AL, AK, AR, CA, CO, CT, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, MT, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY). Page lists 'Dominica Republica' and 'Dominicana' (mapped to DO; Dominica DM ambiguous, left out). Jurisdictions not mentioned may still be restricted.
Source states (paraphrased): Available Regions Prohibited Regions Supported US States Antigua & Barbuda Argentina Australia Bahamas Barbados Bangladesh
Source: Regions and Prohibitions for Avici Card
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Explicit list of available regions. USA only in listed supported states (personal accounts: AL, AK, AR, CA, CO, CT, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, MT, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY). Page lists 'Dominica Republica' and 'Dominicana' (mapped to DO; Dominica DM ambiguous, left out). Jurisdictions not mentioned may still be restricted.
United Kingdom, Austria, Belgium, Bulgaria, Croatia, Czechia, Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Cyprus, Romania, Slovakia, Slovenia, Spain, Sweden*Show source
Available in: United Kingdom, Austria, Belgium, Bulgaria, Croatia, Czechia, Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Cyprus, Romania, Slovakia, Slovenia, Spain, Sweden
Listed EEA countries (Estonia and Norway not listed) plus United Kingdom
Source states (paraphrased): you must have legal residence status in one of the following supported countries or territories
Source: Currently Supported Countries
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Listed EEA countries (Estonia and Norway not listed) plus United Kingdom
Not available in
BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, SY, Turkey, Ukraine, VE, Vietnam*Show source
Not available in: BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, SY, Turkey, Ukraine, VE, Vietnam
Card unavailable to residents; China = Mainland. Card also cannot be used to spend in CU, IR, KP, RU, SY, UA, VE
Source states (paraphrased): Avici Card services are unavailable for users to residents of the following countries:
Source: Regions and Prohibitions for Avici Card
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Card unavailable to residents; China = Mainland. Card also cannot be used to spend in CU, IR, KP, RU, SY, UA, VE
Account / spend currencies
USD*Show source
Account / spend currencies: USD
Foreign-currency transactions are converted into USD
Source states (paraphrased): the credit card association will convert any transaction in foreign currency into U.S. dollars
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Foreign-currency transactions are converted into USD
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): just add it to apple pay or google pay and start spending online or offline immediately
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): just add it to apple pay or google pay and start spending online or offline immediately
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
YesShow source
Google Pay: Yes
Source states (paraphrased): Google Pay - Yes.
Source: Virtual Cards FAQ
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Physical card
Yes*Show source
Physical card: Yes
Issuer may limit the number of physical cards
Source states (paraphrased): limit the number of physical or virtual Avici Cards provided to you
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 65%
Issuer may limit the number of physical cards
YesShow source
Physical card: Yes
Source states (paraphrased): Your Plutus Card can be virtual or physical (as chosen by you)
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Virtual card
Yes*Show source
Virtual card: Yes
Issuer may limit the number of virtual cards
Source states (paraphrased): limit the number of physical or virtual Avici Cards provided to you
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 65%
Issuer may limit the number of virtual cards
YesShow source
Virtual card: Yes
Source states (paraphrased): Your Plutus Card can be virtual or physical (as chosen by you)
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): ATM - Withdrawal Fee: $1.00 + 0.65%
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Spend stablecoins
Yes*Show source
Spend stablecoins: Yes
USDC deposit backs the USD credit balance
Source states (paraphrased): We use the deposited USDC to create USD Credit balance on the card.
Source: Secured Credit Cards
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
USDC deposit backs the USD credit balance
Travel / rental car insurance
Yes*Show source
Travel / rental car insurance: Yes
Visa benefits: complimentary rental car insurance; trip cancellation and lost luggage cover
Source states (paraphrased): Auto Rental Insurances: complimentary rental car insurance for accidents or theft
Source: https://avici.money/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Visa benefits: complimentary rental car insurance; trip cancellation and lost luggage cover
Spendable assets
USDC*Show source
Spendable assets: USDC
Charges are auto-deducted from the topped-up USDC balance; list may not be exhaustive
Source states (paraphrased): We auto-deduct from your topped-up USDC balance.
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Charges are auto-deducted from the topped-up USDC balance; list may not be exhaustive
Blockchains
Ethereum · Polygon · Optimism · Arbitrum*Show source
Blockchains: Ethereum · Polygon · Optimism · Arbitrum
Terms define 'Supported Blockchains' (spelled 'Arbitrium' on the page); others may be added at Issuer's discretion
Source states (paraphrased): means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain and other blockchain networks
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 50%
Terms define 'Supported Blockchains' (spelled 'Arbitrium' on the page); others may be added at Issuer's discretion
Limits
ATM limit
$3,000*Show source
ATM limit: $3,000
Per day, both tiers; $1000 per transaction, max 3 ATM transactions per day
Source states (paraphrased): $1000 per txn $3000 per day
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Per day, both tiers; $1000 per transaction, max 3 ATM transactions per day
Spending limit
€500,000*Show source
Spending limit: €500,000
Daily; single transaction also EUR 500,000; rolling 30 days EUR 1,000,000
Source states (paraphrased): 4.2 Daily Card Spending Limit Starter Everyday Premium £500,000 /€500,000
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Daily; single transaction also EUR 500,000; rolling 30 days EUR 1,000,000
Security & custody
Regulation / licences
Authorised Electronic Money Institution (Lithuania)*Show source
Regulation / licences: Authorised Electronic Money Institution (Lithuania)
Terms state Plutus is incorporated in Lithuania and is an authorised EMI; also states Plutus as a company is not regulated by financial authorities for crypto matters
Source states (paraphrased): an authorised Electronic Money Institution
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Terms state Plutus is incorporated in Lithuania and is an authorised EMI; also states Plutus as a company is not regulated by financial authorities for crypto matters
Smart-contract risk
YesShow source
Smart-contract risk: Yes
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Annual cost at 1,500 EUR/month
Avici Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costs−19 EUR
- Cashback+0 EUR
- Net annual value-55 EUR
Plutus
- Annual & monthly fees−29 EUR
- FX costs−90 EUR
- Crypto conversion–
- ATM costs−30 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers