RedotPay Card (Global): Fees, Limits and CashbackRecommended

RedotPay fees and limits

"Not disclosed" means RedotPay does not publish the figure. Fees are read from the issuer's own pages, linked under Sources.

RedotPay cashback and rewards

The standard card earns no cashback. RedotPay Pro ($12.90 a month or $129 a year) pays 3% on Apple Pay and Google Pay purchases, capped at 18 USDs a month; USDs can only be spent on future card transactions and expire after 30 days. Pro also waives the first card fee ($10 virtual on the monthly plan, $100 physical on the annual plan), and the annual plan adds fee-free ATM withdrawals up to $1,000 a month and +1% APY on RedotPay Earn. Separately, every card spend, referral and in-app mission earns RedotPay Points, which can only be redeemed for prize-draw tickets (prizes such as an iPhone or a PS5); points can't be cashed out and expire after 12 months.

What RedotPay costs over a year

Yearly cost: conversion, FX, ATM and fixed fees minus cashback, with US dollars as the home currency, 20% of spending abroad and one $200 ATM withdrawal a month. A minus sign means cashback outweighs fees.

Run it with your own numbers in the card cost calculator.

RedotPay Apple Pay, Google Pay and ATM withdrawals

RedotPay works with Apple Pay and Google Pay. The virtual card is ready to use as soon as it is issued. ATM withdrawals: 2%, up to $3,750 a day. It runs on Visa, so it works wherever that network is accepted, online and in shops.

Where RedotPay is available

RedotPay is available in 202 countries and territories. It is not offered in the 47 countries and territories below.

The crypto card finder lists every card we track by country.

Topping up RedotPay

RedotPay tops up with USDT, USDC, BTC and ETH. Converting crypto costs 1%. The card is custodial, so the provider holds your card balance.

Coins it accepts: USDT, USDC, Bitcoin, Ethereum, Solana, XRP, BNB, TRON

How to get the RedotPay card

1. Check that you live in a country where RedotPay is offered (see the list above).
2. Download the RedotPay app and complete identity verification with a government ID and a selfie check.
3. Top up with USDT, USDC, BTC and ETH.
4. Issue the virtual card for $10 and add it to Apple Pay or Google Pay.
5. Order the physical card for $100 if you need ATM withdrawals or chip and PIN payments.

Who the RedotPay card suits

• People outside the US, EU and UK who struggle to get a crypto card: it is offered in 202 countries and territories.
• Large purchases, with a daily limit of $1,000,000.

RedotPay overall rating

RedotPay rates 68/100 in our crypto card ranking.

Is RedotPay safe?

RedotPay scores 74/100 (Good) in our safety check. Issuer: RedotPay group (Red F. Technology Limited, Hong Kong). Licensing: Hong Kong Money Lender (No. 1715/2025) and Trust or Company Service Provider licences; Argentina VASP (CNV PSAV No. 144); Lithuania VASP registration (RedotX, UAB); Canada MSB; US FinCEN MSB.

Client digital assets are held in segregated wallets with Cactus Custody, a Hong Kong trust company (licence TC006789), covered by US$50 million crime and specie insurance, per the custodian's announcement quoting RedotPay's CEO. RedotPay's general terms name Red Dot Trust Limited, a Hong Kong trust company, as custodian of user accounts. We could not find a published proof-of-reserves report.

Full RedotPay safety report