Visa · Custodial · Full KYC · Virtual and Physical

RedotPay Card (Global): Fees, Limits and CashbackRecommended

RedotPay Card (Global) is a custodial Visa card from RedotPay group (Red F. Technology Limited, Hong Kong) that charges 1% to convert crypto when you spend. The FX markup on foreign-currency spending is 1.2%, and it pays no cashback. There is no annual fee. It is available in 202 countries and territories, with 47 excluded.

Verified September 24, 2026Issued by RedotPay group (Red F. Technology Limited, Hong Kong)

68/100

Overall rating

202

Countries offered

Free

Annual fee

Conversion fee

1.2%

FX markup

None

Cashback

74/100

Safety score · Good

RedotPay pros and cons

Pros

No annual or monthly fee
Works with Apple Pay and Google Pay
Available in 202 countries and territories
High spending limit of $1,000,000 a day
Safety score 74/100 (Good)

Cons

1% crypto conversion fee
1.2% FX markup on foreign-currency spending
No cashback on spending
Virtual card costs $10
Physical card costs $100

RedotPay fees and limits

Virtual card	$10
Physical card	$100
Annual fee	Free
Monthly fee	None
Crypto conversion fee	1%
FX markup	1.2%
Fee on purchases in USD	None
ATM withdrawals	2%
Daily spending limit	$1,000,000
Monthly spending limit	Not disclosed
Daily ATM limit	$3,750
Card currency	USD

"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

Tier	Rate	Paid in	Monthly spend cap	Requirement
Standard	0%	Not stated	None published	None

What RedotPay costs over a year

Net value per year after cashback, conversion, FX, ATM and fixed fees, with US dollars as the home currency, 20% of spending abroad and one $200 ATM withdrawal a month.

Monthly spending	Net per year	Tier used
$500	-$146.40	Standard
$2,000	-$369.60	Standard
$5,000	-$816	Standard

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.

Countries where it is not offered (47)

Afghanistan
Albania
Belarus
Bosnia & Herzegovina
Bouvet Island
Burkina Faso
Burundi
Central African Republic
China
Congo - Kinshasa
Croatia
Cuba
Eritrea
Ethiopia
Guinea-Bissau
Haiti
India
Indonesia
Iran
Iraq
Kosovo
Lebanon
Liberia
Libya
Mali
Montenegro
Morocco
Myanmar (Burma)
Nepal
Netherlands Antilles
Nicaragua
North Korea
North Macedonia
Russia
Serbia
Singapore
Slovenia
Somalia
South Sudan
Sudan
Syria
Türkiye
Ukraine
United States
Venezuela
Yemen
Zimbabwe

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.

How to get the RedotPay card

Check that you live in a country where RedotPay is offered (see the list above).
Download the RedotPay app and complete identity verification with a government ID and a selfie check.
Top up with USDT, USDC, BTC and ETH.
Issue the virtual card for $10 and add it to Apple Pay or Google Pay.
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.

Factor	Detail	Points
Reach	202 countries and territories	40 / 40
Yearly cost	-$369.60 a year at $2,000 a month	5.8 / 30
Safety	74/100	22.2 / 30

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

Compare RedotPay with other cards

Frequently asked questions

What are the RedotPay card fees?

RedotPay charges a 1% conversion fee, a 1.2% FX markup on foreign-currency spending, no annual fee. The virtual card costs $10 and the physical card costs $100. Its ATM fee is listed in the fees table on this page.

Is RedotPay available in the US?

No. RedotPay does not offer the card to US residents.

Does RedotPay have cashback?

No. RedotPay does not pay cashback on card spending.

What is the RedotPay ATM withdrawal fee?

RedotPay charges 2% per ATM withdrawal. The daily ATM limit is $3,750. ATM operators may add their own fee.

Does RedotPay work with Apple Pay and Google Pay?

Yes. RedotPay supports both Apple Pay and Google Pay.

Is RedotPay safe?

RedotPay scores 74/100 (Good) in our safety check, which looks at licensing, custody, fund segregation, proof of reserves and incident history. Keeping only what you plan to spend on any crypto card is a sensible habit.

Sources

RedotPay fees · checked September 24, 2026
RedotPay availability · checked September 24, 2026
RedotPay terms and licensing · checked September 24, 2026