YOUR DAILY SPEND Turn your crypto into everyday purchases TOP UP. TAP. GO
Virtual Card
Start quickly; ideal for subscriptions, travel bookings, online marketplaces.
Physical Card
For in-store retails purchases and cash withdraw at supported Visa ATMs.
Mobile Wallets
Faster checkout; helpful at terminals that prefer contactless.
Cost Awareness
See Top-Up Fees clearly — Fixed or % Charges shown before you confirm
Transparent FX & Conversion with Live Quotes displayed at checkout
Optimize Total Cost — Batch Transactions to cut Repeated Fees instantly
RedotPay CARD Common Scenarios Anytime, Anywhere
- Online Subscriptions: Use a virtual card; set spending alerts to catch renewals.
- Travel POS: Ensure the terminal charges in local currency if prompted; keep a balance buffer.
- Refunds: Refund timing depends on merchant and scheme; keep the receipt and card number handy.
🌍 Merchants Worldwide
⚡ Transaction Speed
🔒 Security Uptime
👥 Users & Growing
ALWAYS SAFE
ALWAYS READY
Is there an annual fee?
Many card programs waive annual fees; other fees may still apply (FX, ATM, etc.).
How fast can I start?
Virtual cards are typically available after verification; physical card delivery varies. Once your card is ready, log in to RedotPay via the app to activate and start spending.
Where can the RedotPay card be used?
Generally anywhere major card networks are accepted—online and in-store. Actual acceptance can vary by the card’s billing address/region, merchant category (MCC), and the merchant’s own rules.
Any known exceptions?
Based on user reports, some services may decline or block top-ups/subscriptions, including ChatGPT / OpenAI, Spotify, and Wise. Policies can change—please try a small test payment first.
How do I use my RedotPay card for transactions?
- Online: Enter your card number, expiry date, CVV, and billing address at checkout, then complete any 3-D Secure/OTP steps.
- Wallets & platforms: Where supported, link your RedotPay card to third-party wallets or payment platforms (e.g., PayPal) to pay online or in-store.
- In-store: Use your physical card to tap/insert/swipe at terminals that accept your card’s network.
Card Usage Fees
1. Card Application Fees
| Fee Type | Amount | Notes |
|---|---|---|
| Virtual card application | 10.00 USD | |
| Physical card application | 100.00 USD | |
| Mailing of physical card | Waived | |
| Reissue of virtual card | 5.00 USD (first update) 10.00 USD (each consecutive update) |
2. Transaction Fees
| Fee Type | Amount | Notes |
|---|---|---|
| Default currency transaction | Waived | |
| Non-default currency transaction | 1.20% | |
| ATM withdrawal fee | 2.00% | |
| Transaction fee | 1.00% | Cryptocurrency conversion fee |
| Small auth transaction fee | Waived for first 5 per card per month 0.20 USD per transaction after |
Applies to transactions between 0.00–1.00 USD |
| Declined transaction fee | Waived for first 3 per card per month 0.50 USD per transaction after |
Reasons include: insufficient balance, frozen card, lost card, incorrect card information |
3. Account Fees
| Fee Type | Amount | Notes |
|---|---|---|
| Account maintenance | Waived | Including monthly and annual fees |
| Card cancellation | 2.00 USD per card | Applicable to both virtual and physical cards |
Effective October 25, 2024
4. Card Limits & BIN Fees
| Fee / Limit | HKD BIN | USD BIN | Notes |
|---|---|---|---|
| Deposit fee | Free | Free | Zero fee when depositing crypto into wallet |
| Balance limit | Unlimited | Unlimited | |
| Transaction limit (per transaction) | 800,000 HKD | 100,000 USD | |
| ATM withdrawal (times) | 5/day · 75/month | 5/day · 75/month | |
| ATM withdrawal (daily limit) | 800,000 HKD | 100,000 USD | |
| ATM withdrawal (monthly limit) | 1,600,000 HKD | 200,000 USD | |
| Default currency transaction | Free | Free | |
| Non-default currency transaction | 1.20% | 1.20% | 1.2% forex fee charged for foreign transactions |
| ATM withdrawal (forex fee) | 2% | 2% | Additional 1.2% forex fee for foreign currency withdrawals |
| Conversion of crypto to fiat | 1% | 1% | Off-ramp fee |
| Annual fee | Free | Free | |
| Transaction history enquiry (app) | Free | Free | |
| ATM withdrawal enquiry | Free | Free | |
| Card renewal fee | Free | Free | Free renewal 90 days before expiry. Postage required for physical card. |
| Card replacement (virtual) | 10 USD | 10 USD | |
| Card replacement (physical) | 100 USD | 100 USD | |
| Inactivity fee | Free | Free | |
| Card termination fee | Free | Free | |
| Card expiry fee | Free | Free |