Yearly cost at three spending levels
| Monthly spend | RedotPay | Bitget Wallet |
|---|---|---|
| $500 | -$146.40 Standard | ≤ +$99.60 Base |
| $2,000 | -$369.60 Standard | ≤ +$398.40 Base |
| $5,000 | -$816 Standard | ≤ +$996 Base |
Net value per year: cashback minus conversion, FX, ATM and fixed 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 | Bitget Wallet Base |
|---|---|---|
| Top-up and conversion fees | -$264 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$57.60 | -$81.60 |
| ATM fees | -$48 | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | $0 | +$480 |
| Net per year | -$369.60 | +$398.40 |
Fees
RedotPay charges 1% to convert or top up and 1.2% on spending in a foreign currency. Bitget Wallet charges 0% and 1.7%.
The conversion fee applies to every dollar you load, so Bitget Wallet's lower rate matters most for everyday spending in your home currency. On $1,000 of spending, the gap is $10.
ATM withdrawals: RedotPay 2%; Bitget Wallet no atm access (virtual card only).
A virtual card costs $10 with RedotPay and $0.10 with Bitget Wallet. A physical card costs $100 and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
RedotPay cashback: None. Bitget Wallet cashback: 2% to 3%.
RedotPay tiers: Standard: 0%.
Bitget Wallet tiers: Base: 2%; Booster: 3%.
Bitget Wallet: Cashback (called assetback) is paid into your choice of Bitcoin, gold, USDC or tokenized US stocks. Small gas fees apply to on-chain transactions.
Availability and KYC
RedotPay is offered in 202 countries and territories and excludes 47, including India, Indonesia, Singapore, Turkey and United States.
Bitget Wallet is offered in 41 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, United Kingdom, Argentina and Brazil. This entry covers the virtual card issued through Immersve in the EEA, the UK and Latin America. Bitget Wallet also offers cards in Asia (DCS Card Centre, with a physical card), mainland China (Fiat24) and South Africa on different terms.
RedotPay needs full KYC and Bitget Wallet 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.
Bitget Wallet does not publish fixed spending or ATM limits.
RedotPay works with Apple Pay and Google Pay, and Bitget Wallet works with Apple Pay and Google Pay. RedotPay and Bitget Wallet 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.
Bitget Wallet scores 65/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. Bitget Wallet names its regional card issuers (Immersve for Europe and Latin America) but does not publish their licences on its card pages.
Full reports: RedotPay safety check and Bitget Wallet 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.
Bitget Wallet Card (Europe and Latin America) is a self-custody Mastercard from Bitget Wallet (issued through Immersve). It tops up with USDC and USDT.
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.
Bitget Wallet fits if
- You want to keep crypto in your own wallet until each payment.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You want a higher cashback ceiling (up to 3%).
Read more: RedotPay fees and details · Bitget Wallet fees and details · RedotPay review