Yearly cost at three spending levels
| Monthly spend | RedotPay | Binance Card |
|---|---|---|
| $500 | $146.40 Standard | -$20.40 Tier 2 |
| $2,000 | $369.60 Standard | -$386.40 Tier 3 |
| $5,000 | $816 Standard | -$398.40 Tier 3 |
Yearly cost: conversion, FX, ATM and fixed fees minus cashback. A minus sign means cashback outweighs fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | RedotPay Standard | Binance Card Tier 3 |
|---|---|---|
| Top-up and conversion fees | $264 | $237.60 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $57.60 | $96 |
| ATM fees | $48 | $0 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | -$0 | -$720 |
| Yearly cost | $369.60 | -$386.40 |
Fees
RedotPay charges 1% to convert or top up and 1.2% on spending in a foreign currency. Binance Card charges 0.9% and 2%.
The conversion fee applies to every dollar you load, so Binance Card's lower rate matters most for everyday spending in your home currency. On $1,000 of spending, the gap is $1.00.
ATM withdrawals: RedotPay 2%; Binance Card $1.50 after 2 free a month.
A virtual card costs $10 with RedotPay and nothing with Binance Card. A physical card costs $100 and $10. Neither card has an annual fee on its base tier.
Cashback and rewards
RedotPay cashback: 0% to 3%. Binance Card cashback: 1.5% to 3%.
RedotPay tiers: Standard: 0%; Pro ($12.90 a month): 3% on the first $600 a month, capped at $18 a month.
Binance Card tiers: Tier 1: 1.5%; Tier 2: 2% from $100 of monthly spend; Tier 3: 3%, capped at $100 a month from $1,000 of monthly spend.
RedotPay: 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.
Binance Card: Tiers updated on 1 June 2026. The tier you reach in a calendar month applies to all of that month's eligible spending, and cashback is paid by the 10th of the next month in USDC or BTC depending on your country. Brazil uses the same rates in BRL with a R$500 cap.
Availability and KYC
RedotPay is offered in 202 countries and territories and excludes 47, including India, Indonesia, Singapore, Turkey and United States.
Binance Card is offered in 8 countries, including Australia, Mexico, Argentina and Brazil. Binance runs the card through its Global Program in "selected countries" and confirms eligibility at application. Its support pages name Australia, New Zealand, Mexico, Colombia, Peru and Armenia, plus some CIS countries it doesn't list, and separate programs in Argentina and Brazil. It isn't offered in the US, the UK or the EU.
RedotPay needs full KYC and Binance Card needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
RedotPay publishes a daily spending limit of $1,000,000 and ATM withdrawals of up to $3,750 a day.
Binance Card publishes a daily spending limit of $5,000 and a monthly limit of $15,000.
RedotPay works with Apple Pay and Google Pay, and Binance Card works with Apple Pay. RedotPay and Binance Card issue a virtual card you can use straight away.
Custody and safety
RedotPay scores 74/100. Licensing: holds a licence or registration outside the tier-one list (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). No incidents or enforcement actions found in the last 36 months. 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.
Binance Card scores 61/100. Licensing: holds a licence or registration outside the tier-one list (Outside Brazil and Argentina, the card is issued by Immersve Limited, a New Zealand company (FSP1003031) and Mastercard Global Reach partner. In Brazil it is issued by Dock, a payment institution regulated by the Central Bank of Brazil). The card is issued through Immersve Limited. 2023-11-21: Binance pleaded guilty in the US to anti-money laundering and sanctions violations and agreed to pay more than $4 billion. Binance stopped offering new crypto-asset services in the EU from 1 July 2026 after withdrawing its MiCA application.
Full reports: RedotPay safety check and Binance Card safety check.
About each card
RedotPay Card (Global) is a custodial Visa card from RedotPay group (Red F. Technology Limited, Hong Kong). It tops up with USDT, USDC, BTC and ETH.
Binance Card is a custodial Mastercard from Binance. It tops up with USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, ADA, LINK and XRP.
Which card fits you
RedotPay fits if Recommended
- You spend in foreign currencies often, since its FX markup is lower.
- You live outside the US and the handful of countries it excludes.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Binance Card fits if
- Most of your spending is in your home currency, where its lower conversion fee counts most.
Read more: RedotPay fees and details · Binance Card fees and details · RedotPay review · Binance Card review