Crypto.com Visa Card

Plans (5)

• R€nd

  Posted 15h ago

  Purchased

  Obsidian Black

  I'm pro but hardly use my card when overseas. Lounge access not bad but recently need to sign up once again very troublesome. 🙏

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• Benedict Lim

  Posted 23 Apr 2022

  Purchased

  Royal Indigo & Jade Green

  [Features] Rebates, rebates and rebates! By staking MCO, you are able to save more on your subscription like Spotify, Netflix and Amazon Prime to AirBnb and Expedia. Earn min. 2% rebates off anywhere where the card is accepted both offline (retail purchase) and online wherever Visa and Visa Paywave is accepted just with a min. 50 MCO staked. Receive a cool Metal card in amazing Ruby Steel (50), Jade Green/Royal Indigo (500), Icy White/Frosted Rose Gold (5000) and an Obsidian (50000) metallic card by staking MCO coins! Little to no fees on exchange rates between fiat currencies and the rates are very competitive. [Referrals] One of the most attractive referral program! 50 USD for both parties (you and your friend/family) just by staking min. 50 MCO while enjoying the features of the card. [UI] Easy to use and clean interface, makes buying cryptos a breeze! Multiple currencies available enables one to exchange instantly and with instant and secure deposits via other credit/debit cards or even via your crypto wallet all in one place.

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• William Seow

  Posted 06 Apr 2022

  Purchased

  Ruby Steel

  [Tips] Good to use this for your Gojek, online purchases and restaurants visits as you get the cashback directly into your CRO card almost immediately. For transit - sometimes there will be an error when you tried the day after as their backend has yet to calculate the total amount you have spend on transit the day before. So always have a spare transit card with you. Maximise your CRO coins! Use the Crypto Defi Wallet and connect both your CDC App with your Crypto Defi Wallet (require 24 hours to formalise the connection). You can transfer all the CRO you have earned through your spend on the App over to the Defi Wallet, and from there, you can choose to put your Cronos to 'Earn' up to 12%.

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• Terence Ho

  Posted 20 Mar 2022

  Purchased

  Ruby Steel

  [UI] Easy to understand interface, suitable for beginner [Customer Support] Customer support response to your query within 24 hours!

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• ShawdowRay

  Posted 01 Jan 2022

  Purchased

  Royal Indigo & Jade Green

  Applied for the Royal Indigo card and it arrived in 1 week! 3% cashback, no minimum spend, free spotify, free netflix, 10%pa interest paid in CRO and it feel good in hand. I use this as my main card whenever Visa is excepted.

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  ShawdowRay

  Edited 27 Feb 2022

  Hi,

  1) Best way is to use Grab Mastercard or revolut card: free application and no fees to top up.

  2) Charge your Spotify bill to another card (not CDC card) then send the receipt to in app support. Rebates will come in monthly without you needing to do anything. This is because Spotify processes payment outside Singapore and CDC card is pending license from MAS to allow international payment.

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• Kitcat

  Posted 21 Dec 2021

  Purchased

  Frosted Rose Gold & Icy White

  I have used this card for 3 years. The card is the reason why I started investing in crypto. There were teething problems at the start where the company changed their policies frequently, angering users. Nowadays, they seemed to have settled down into a well evolved eco system of products, always innovating and always improving. No regrets remaining with this company through the ups and downs.

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• Lee Jun Yi

  Posted 16 Aug 2021

  Purchased

  Royal Indigo & Jade Green

  [Disclaimer] The moment you consider getting this card or is reading this review, you should already be opened to the idea of cryptocurrency and its volatility. If you can accept the risk and nature of cryptocurrency, this is definitely the one card you have to get. [Application Process] Straight forward just like any of the cryptocurrency platform (e.g. Celsius). Apply for an account using your email, and do a KYC (Know Your Customer) by taking the front and back of your identity documents like your Identity Card or Passport, and then do a selfie using the camera on your phone, while following the instructions in the CryptoDotCom application. Verification period varies, for my mum and mine, it took about a day. For my dad's it took about 4 working days, including one failure application because of his selfie. You then either buy to stake or apply for a free card and just wait. The sweetest spot is definitely Royal Indigo or Jade Green (S$5,000 worth of CRO), more to be covered later in this review. [Features] The main catch of this card is definitely the perks, free Spotify, Netflix, and cashback, all depending on the tier that you applied for. Midnight Blue (Free!): 1% cashback for all spending (in CRO). Ruby Red (S$500 worth of CRO): 2% cashback for all spending (in CRO), and free Spotify (reimbursed in CRO, up to a maximum of USD 12.99 equivalent). Royal Indigo/Jade Green (S$5,000 worth of CRO): 3% cashback for all spending (in CRO), free Spotify and Netflix (reimbursed in CRO, up to a maximum of USD 12.99 equivalent), and airport lounge access via LoungeKey. Additionally, a 10% interest for your CRO staked with CryptoDotCom, which will be paid to you in CRO every 7 days. Icy White/Rose Gold (S$50,000 worth of CRO): 5% cashback for all spending (in CRO), free Spotify, Netflix, and Amazon Prime (reimbursed in CRO, up to a maximum of USD 12.99 equivalent), 10% cashback for Expedia (in CRO, up to a maximum of USD 50 equivalent), and airport lounge access with +1 Guest via LoungeKey. Additionally, a 12% interest for your CRO staked with CryptoDotCom, which will be paid to you in CRO every 7 days, and additional 2% interest on fixed-term deposits, paid in CRO, but not applicable for CRO deposits. Obsidian Black (S$500,000 worth of CRO): 8% cashback for all spending (in CRO), free Spotify, Netflix, and Amazon Prime (reimbursed in CRO, up to a maximum of USD 12.99 equivalent), 10% cashback for Expedia (in CRO, up to a maximum of USD 50 equivalent), 10% cashback for Airbnb (in CRO, up to a maximum of USD 100) and airport lounge access with +1 Guest via LoungeKey. Additionally, a 12% interest for your CRO staked with CryptoDotCom, which will be paid to you in CRO every 7 days, and additional 2% interest on fixed-term deposits, paid in CRO, but not applicable for CRO deposits. All CRO will be staked for a period of 6 months, which cannot be unstake/moved until after 6 months (180 days). During the period, you can only upgrade, with the help of customer service, and to get a new card you have to pay 50 SGD (unless there is a promotion for card upgrade waiver). After 6 months (180 days), you can either unstake or leave it staked to continue getting the interest (10% for Royal Indigo/Jade Green, or 12% for Icy White/Rose Gold and Obsidian Black). Other features including the fixed-term deposit mentioned above, and CRO pay. [Referrals] Probably the best referral program out there. 25 USD in form of CRO for both the referrer and referent, when the referent staked at least S$500 worth of CRO. [Transparency] If everything is paid in the base currency (in this case SGD), then everything is fine. Else the exchange rate is not very transparent, although they said that the rate follows the VISA exchange rate, and it does not show the rate used in the transaction details. Apart from them, the company's performance (P&L) is not very transparent as well, but they are a private company so.. there is nothing much we can do except to trust them. [UI] Pretty user friendly, many banners to help new comers get used to the application. But the number of wallets might be confusing to many people out there, e.g. money in VISA wallet cannot be used to buy cryptocurrency in the application, but it is the only place that you can top up using your credit/debit card, and money in Fiat wallet can only be topped up using Xfers or SEPA bank transfer. CryptoDotCom is constantly updating the UI of the application tho, getting and listening to feedback from users. [Analytics] It is currently impossible to track your monthly expenses and see your current top up allowance, but many people are currently requesting that feature so we might be able to see it soon. [Tips] Always make use of current promotion, e.g. now there is a 3% cashback for groceries spending/food deliveries (for Midnight Blue cardholders, up to a maximum of 20 SGD, in form of CRO), and 12% cashback for groceries spending/food deliveries (for all metal cardholders, up to a maximum of 50 SGD, in form of CRO). And previously there was this upgrade fee waiver which allows you to upgrade your stake and get a new card at no cost (which costs 50 SGD during normal times). [Withdrawals] It is no longer possible to do ATM withdrawal to withdraw your money from your VISA wallet locally, with effect from 28 January 2020. It is still possible to withdraw overseas tho, the withdrawal limit is limited by the card tier (200 USD for Midnight Blue, 400 USD for Ruby Red, 800 USD for Royal Indigo/Jade Green, and 1000 USD for Icy White/Rose Gold and Obsidian Black). [Customer Support] Used to be great, they used to answer any inquiries within an hour or two, but as the card gets released elsewhere in the world, the waiting time is now a few days, not deal breaking as many questions can be found online or asked in Telegram groups where the community are very active in. Icy White/Rose Gold and Obsidian Black will have priority customer service as part of their perks in CryptoDotCom Private, which will reply in minutes or within an hour. [Summary (tl;dr)] You are definitely looking at the best card if you can accept the risk and nature of cryptocurrency. Stake S$5,000, and enjoy a 10% interest for your CRO (Ruby Red just gets staked and it does not earn you interest) and also enjoy the free Spotify, Netflix and 3% Cashback. And remember to make use of the current promotion to get a maximum of 12% cashback for your groceries spending/food deliveries, more details to be found on their website.

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  Kenny McGrady

  17 Aug 2021

  Thanks for clarifying! i will go check it out!

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• Wong Yu Sim

  Posted 22 Jul 2021

  Purchased

  Frosted Rose Gold & Icy White

  Cashback feature is great, they are also very generous with their referral rewards. Useful to have if you’re an avid CRO user

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• JH Ng

  30 Jun 2021

  Purchased

  Royal Indigo & Jade Green

  [Features] The MCO is a debit visa card that have great cashback features. There is cashback for both Spotify and Netflix subscription if you stake a certain minimum number of their MCO tokens. There are more cashback benefits if you stake even more tokens but note that staking tokens means the cash is locked in during the entire period where you get to enjoy the special cashback (Spotify, Netflix, Amazon Prime etc.) However, if you choose to unstake them, you will lose a significant portion of your benefits. A good starting point to start will be just 50 MCO tokens which value fluctuates at around S$200+ to S$450 depending on the current price. However, staking 50 tokens only give you the spotify cashback benefit and not Netflix. And currently from April to June 2020, there is a promotion of 10 to 20% cashback on groceries and food deliveries respectively capped at US$50 a month which is great. The cashback is given in MCO tokens and can be easily converted to USD at their beta exchange. The negative is that you can only top up your debit card using selected tokens such as MCO, BTC and some other tokens. At the moment, you cannot use USDT to top up the debit card directly. Ability to withdraw cash from ATM worldwide without fees up to a cap depending on your card levels. However, note that you cannot withdraw cash from local ATM due to the recent changes of regulations locally. [Customer Support] Customer Support service is great in the app as their staff will respond to me when I had issues topping up the debit card with credit or when I wanted to increase the MCO staking tokens. [Referrals] Referral program of theirs is great as upon having your referral sign up and stake a minimum of 50 MCO tokens, both of you get US$50 worth of MCO tokens which can be used to top up your debit card. [UI] User interface of the application of mobile has improved over the past year that I am using the card and it looks great and has become slightly more user friendly. [Analytics] The app on mobile also show you the prices of cryptocurrencies such as BTC, LTC and many more which is a great feature if you are looking to buy some cryptocurrencies.

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• Adam Ihsan

  21 Jun 2021

  Purchased

  Frosted Rose Gold & Icy White

  Usage in Singapore is capped at $30,000 SGD/year as per MAS Payment Service Act. Rebates are sweet as CRO has been going up in price in the last quarter. 5% rebates turned into 10%. Customer Support is lackluster but you can get communal support from the Singapore telegram group.

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