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Crypto.com / Card review
Regional programs · Prepaid card
Crypto.com Obsidian
A prepaid card that uses a balance you load before spending.
Before you apply
Selected tier / planLevel Up Private — $500,000Crypto.com Obsidian
Select where you live, not your travel destination.
New applications are restricted. Check products currently accepting applications.
Important to check
- Account availability does not establish card availability.
- Brazil and other regions require their own program checks.
Regional availability is not individual approval. Figures refer to the selected card/plan; check tier, identity-document and delivery conditions.
Other cards for my residence →Features & benefits
An exceptional CRO commitment for users who already value Private's top tier.
- Rewards · first band
- 4.5% first $5,000/month, then 1%
- Spending preferences
- Preload card balance
- Custody model
- Service account / loaded balance
Read the conditions behind the figures · Fees & benefit conditions ↓
A good fit if
- Consider Obsidian only if a $500,000 CRO commitment already fits your plans and you can use benefits beyond everyday cashback.
The tradeoff
- Twelve-month CRO lockup/staking carries price risk; general rewards fall from 4.5% to 1% after $5,000 monthly.
- Brazil caps remain unconfirmed.
- Virtual card
- Listed · check region and plan
- Physical card
- Listed · check region and plan
- Apple Pay
- Listed · check region and plan
- Google Pay
- Listed · check region and plan
How the card works
- The European program spends a EUR card balance.
- Verify available fiat and crypto funding routes in regional guidance and the app.
Fees & benefit conditions
- Card issuance fee
- Private first physical issuance: check regional quote
- Maintenance / subscription
- No card annual fee; separate CRO lockup requirement
- Foreign-currency fee
- 0% card FX surcharge; other fees/spread separate
Read the conditions behind the figures
- Requires a 12-month $500,000 CRO lockup/stake.
- Locked capital is not an issuance or annual fee and remains exposed to CRO price changes.
Figures refer to the selected card and plan. Do not combine them with benefits of another pictured or listed tier.
Items to verify and where to check · 1
- Card issuance feeCheck regional / product termsThe reviewed European fee table does not specify initial Private physical issuance. Higher-plan upgrade reissuance waivers are distinct from first issuance and shipping.
Fields reviewed · 2026-09-09
Documents & application
New applications are restricted. Check products currently accepting applications.
Other cards for my residence →Full details & support
Full details
Practical payment facts
Narrow by supported features · brand guidance, subject to regional and tier conditions.
- Funding / spending assets
- BTC · ETH
- Supported networks
- Official confirmation needed
- Balance / billing currency
- Regional fiat; EUR in EU, GBP in UK
- Conversion timing
- At funding
- Virtual card
- Listed · check region and plan
- Physical card
- Listed · check region and plan
- Apple Pay
- Listed · check region and plan
- Google Pay
- Listed · check region and plan
- Recurring payments
- Listed · check region and plan
Refunds & support
A fixed processing time and return currency were not established for this program. Check the transaction and contact official support using the steps below.
- Cancellations, refunds and support
- Request a cancellation or return from the merchant and obtain a confirmation or refund reference. Record whether the card transaction is pending or settled.
- Cancellation and subscriptions
- Cancel subscriptions in the merchant account and check the next billing date. Freezing or closing a card does not cancel the merchant subscription.
- Declined or unfamiliar transactions
- Check the decline reason, balance, limits and activation status. For an unfamiliar payment, use the available card-lock control and notify official support promptly.
- What to prepare for support
- Prepare the merchant, date, amount, currency, transaction ID, status and refund reference. Ask support for the destination, expected posting date and dispute deadline. Do not send a full card number or wallet secret.
Brand and custody
- Card issuer / operator
- Official confirmation needed
- Custody of funded balances
- Official confirmation needed
Freeze through Card → More → Freeze Card and contact in-app support. Card balance is separate from the Cash Account; EU/UK top-ups cannot be transferred back to the Cash Account.
An alternative to compare
Choose Icy/Rose if its Private benefits suffice and the tenfold CRO commitment is hard to justify.
Invitation / application conditionsOfficial documentation & sources
Official sources
유럽 충전 · EU top-ups ↗
Brazil USD program ↗
Prepaid lineup ↗
Private benefits ↗
Reward caps ↗
EU fees and limits ↗
Basic subscription ↗
Application fees ↗
Virtual card and physical activation ↗
Google Wallet regional support ↗
Freeze a Crypto.com card ↗
Brazil/LATAM regional fees — July 31, 2026 ↗
Official information · Crypto.com Obsidian ↗
Catalog dated 7 Sep 2026 · supplemental facts checked 8 Sep 2026
Official terms reviewed · 2026-09-21
The review date applies to the fields below. Check the source for regional and tier differences and later changes.
- Europe ATM / top-up
- Europe: free monthly ATM allowance €200 Midnight, €400 Ruby, €800 Jade/Indigo and Icy/Rose, €1,000 Obsidian; excess 2%. Credit/debit card top-ups 1%.
- 2026-10-01 changes
- From 1 October, the inactivity charge after 12 months changes from €5 to €6/month. Ruby and Jade/Indigo non-EUR FX terms also change; distinguish current and upcoming terms.