Yearly cost at three spending levels
| Monthly spend | RedotPay | MetaMask Card |
|---|---|---|
| $500 | $146.40 Standard | $42 Virtual (free) |
| $2,000 | $369.60 Standard | -$12 Virtual (free) |
| $5,000 | $816 Standard | -$120 Virtual (free) |
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 | MetaMask Card Virtual (free) |
|---|---|---|
| Top-up and conversion fees | $264 | $132 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $57.60 | $48 |
| ATM fees | $48 | $48 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | -$0 | -$240 |
| Yearly cost | $369.60 | -$12 |
Fees
RedotPay charges 1% to convert or top up and 1.2% on spending in a foreign currency. MetaMask Card charges 0.5% and 1%.
The conversion fee applies to every dollar you load, so MetaMask Card's lower rate matters most for everyday spending in your home currency. On $1,000 of spending, the gap is $5.
ATM withdrawals: RedotPay 2%; MetaMask Card 2%.
A virtual card costs $10 with RedotPay and nothing with MetaMask Card. 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%. MetaMask Card cashback: 1% to 3%.
RedotPay tiers: Standard: 0%; Pro ($12.90 a month): 3% on the first $600 a month, capped at $18 a month.
MetaMask Card tiers: Virtual (free): 1%; Metal ($199 a year): 3%.
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.
MetaMask Card: Paid in mUSD. The Metal tier pays 3% on the first $10,000 spent each year and 1% after that, removes the 1% cross-border fee and adds $1,200 a month of free ATM withdrawals. Metal card orders have been paused since 2 June 2026.
Availability and KYC
RedotPay is offered in 202 countries and territories and excludes 47, including India, Indonesia, Singapore, Turkey and United States.
MetaMask Card is offered in 45 countries, including Argentina, Brazil, Canada, France, Germany, Ireland, Italy, Mexico, Netherlands and Portugal. MetaMask lists these countries on its card page. Sign-ups in the US and UK are temporarily closed.
RedotPay needs full KYC and MetaMask 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.
MetaMask Card publishes a daily spending limit of $15,000 and ATM withdrawals of up to $1,000 a day.
RedotPay works with Apple Pay and Google Pay, and MetaMask Card works with Apple Pay and Google Pay. RedotPay and MetaMask 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.
MetaMask Card 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. Funds stay in the user's own MetaMask wallet until each payment. US cards are issued by Cross River Bank, Member FDIC; the issuer for the countries listed here is not named on MetaMask's site.
Full reports: RedotPay safety check and MetaMask 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.
MetaMask Card is a self-custody Mastercard from MetaMask (Consensys). It tops up with USDC, USDT, mUSD, wETH, EURe and GBPe.
Which card fits you
RedotPay fits if Recommended
- 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.
MetaMask Card fits if
- You want to keep crypto in your own wallet until each payment.
- 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.
Read more: RedotPay fees and details · MetaMask Card fees and details · RedotPay review · MetaMask Card review