Yearly cost at three spending levels
| Monthly spend | RedotPay | ether.fi Cash |
|---|---|---|
| $500 | $146.40 Standard | ≥ -$162 Core |
| $2,000 | $369.60 Standard | ≥ -$648 Core |
| $5,000 | $816 Standard | ≥ -$540 Core |
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 | ether.fi Cash Core |
|---|---|---|
| Top-up and conversion fees | $264 | Not disclosed |
| Spending fees | $0 | Not disclosed |
| Foreign exchange markup | $57.60 | $72 |
| ATM fees | $48 | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | -$0 | -$720 |
| Yearly cost | $369.60 | -$648 |
Fees
RedotPay charges 1% to convert or top up and 1.2% on spending in a foreign currency. ether.fi Cash charges Not disclosed and 1.5%.
ATM withdrawals: RedotPay 2%; ether.fi Cash not disclosed.
A virtual card costs $10 with RedotPay and nothing with ether.fi Cash. A physical card costs $100 and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
RedotPay cashback: 0% to 3%. ether.fi Cash cashback: 3% to 4%.
RedotPay tiers: Standard: 0%; Pro ($12.90 a month): 3% on the first $600 a month, capped at $18 a month.
ether.fi Cash tiers: Core: 3% on the first $2,000 a month; Luxe: 3% on the first $10,000 a month; Pinnacle: 3% on the first $50,000 a month; VIP: 4% on the first $50,000 a month.
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.
ether.fi Cash: Membership levels also add category cashback (10% to 30% on AI, streaming and food, capped monthly), travel discounts and account balance protection against smart contract exploits of $10,000 to $500,000, which is not deposit insurance.
Availability and KYC
RedotPay is offered in 202 countries and territories and excludes 47, including India, Indonesia, Singapore, Turkey and United States.
ether.fi Cash is offered in 91 countries, including Argentina, Australia, Brazil, Canada, France, Germany, Indonesia, Italy, Malaysia and Mexico. ether.fi lists these jurisdictions. In the US the card is available in 31 states and Washington D.C. only. Belgium and Ireland are eligible, but physical cards are not delivered there. In some countries (including Argentina, Indonesia, Mexico, Nigeria and the Philippines) the first virtual card costs $10.
RedotPay needs full KYC and ether.fi Cash 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.
ether.fi Cash publishes ATM withdrawals of up to $5,000 a day.
RedotPay works with Apple Pay and Google Pay, and ether.fi Cash works with Apple Pay and Google Pay. RedotPay issues 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.
ether.fi Cash scores 60/100. 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. ether.fi describes Cash as a non-custodial account. The ATM fee on Core is not published as a fixed figure.
Full reports: RedotPay safety check and ether.fi Cash 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.
ether.fi Cash Card is a self-custody Visa card from ether.fi. It tops up with USDC and ETH.
Which card fits you
RedotPay fits if Recommended
- You spend in foreign currencies often, since its FX markup is lower.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- 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.
ether.fi Cash fits if
- You want to keep crypto in your own wallet until each payment.
- You want a higher cashback ceiling (up to 4%).
Read more: RedotPay fees and details · ether.fi Cash fees and details · RedotPay review