Yearly cost at three spending levels
| Monthly spend | RedotPay | Plutus |
|---|---|---|
| $500 | $146.40 Standard | ≥ $23.13 Starter (€6.99 a month) |
| $2,000 | $369.60 Standard | ≥ $113.13 Starter (€6.99 a month) |
| $5,000 | $816 Standard | ≥ $293.13 Starter (€6.99 a month) |
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 | Plutus Starter (€6.99 a month) |
|---|---|---|
| Top-up and conversion fees | $264 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $57.60 | $120 |
| ATM fees | $48 | Not disclosed |
| Annual, monthly and subscription fees | $0 | $94.22 |
| Cashback | -$0 | -$101.09 |
| Yearly cost | $369.60 | $113.13 |
Fees
RedotPay charges 1% to convert or top up and 1.2% on spending in a foreign currency. Plutus charges 0% and 2.5%.
The conversion fee applies to every dollar you load, so Plutus'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%; Plutus 2.5%.
A virtual card costs $10 with RedotPay and nothing with Plutus. A physical card costs $100 and €9.99. Neither card has an annual fee on its base tier.
Cashback and rewards
RedotPay cashback: 0% to 3%. Plutus cashback: 3%.
RedotPay tiers: Standard: 0%; Pro ($12.90 a month): 3% on the first $600 a month, capped at $18 a month.
Plutus tiers: Starter (€6.99 a month): 3% on the first €250 a month; Everyday (€9.99 a month): 3% on the first €500 a month; Premium (€19.99 a month): 3% on the first €1,000 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.
Plutus: Rewards are paid in PLU. Holding more PLU raises the rate from 3% up to 9% and unlocks perks. Plan prices include a promotional discount shown on Plutus's plans page; the fees shown are the same in GBP.
Availability and KYC
RedotPay is offered in 202 countries and territories and excludes 47, including India, Indonesia, Singapore, Turkey and United States.
Plutus does not publish a country list. Plutus offers EUR and GBP cards and does not publish a country list on its fees page.
RedotPay needs full KYC and Plutus 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.
Plutus publishes a daily spending limit of €500,000 and a monthly limit of €1,000,000.
RedotPay works with Apple Pay and Google Pay, and Plutus does not list either. RedotPay and Plutus 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.
Plutus scores 44/100. 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. Plutus refers to a banking partner for its card but does not name the issuer on its fees and plans pages.
Full reports: RedotPay safety check and Plutus 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.
Plutus Card is a custodial Visa card from Plutus (Block Code Ltd, UK; Block Code LT UAB, Lithuania). It tops up with EUR and GBP and its balance is held in EUR.
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.
Plutus fits if
- Most of your spending is in your home currency, where its lower conversion fee counts most.
Read more: RedotPay fees and details · Plutus fees and details · RedotPay review