RedotPay / Card review

Virtual & physical · Crypto spending

RedotPay Pro

Use supported crypto assets through virtual and physical card options.

Check regional terms
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Official brand image; the selected plan may look different.

Before you apply

Selected tier / planOptional monthly / annual membershipRedotPay Pro

Select where you live, not your travel destination.

Check regional terms

Choose your residence first

Important to check

  • Citizenship, access location, residence/billing and delivery have separate restrictions.
  • One list alone does not establish eligibility.

Regional availability is not individual approval. Figures refer to the selected card/plan; check tier, identity-document and delivery conditions.

Documents & application →

Features & benefits

A paid upgrade for regular Apple Pay or Google Pay spending.

Rewards · first band
3% Apple/Google Pay; 18 USDs/month cap
Spending preferences
Spend available balance
Custody model
Service account / loaded balance

Read the conditions behind the figures · Fees & benefit conditions ↓

A good fit if

  • Choose Pro if eligible mobile-wallet spending and prompt reuse of USDs justify membership; annual membership also waives physical issuance once.

The tradeoff

  • Rewards cap at 18 USDs/month and expire after 30 days.
  • Use them for future card spending; no withdrawals, transfers or payment of card issuance fees.
  • Only eligible Apple/Google Pay purchases earn rewards.
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
  • Official guidance lists assets including USDT, USDC, BTC and ETH.
  • Check asset-specific deposit networks and minimums.
View cards & plans3

Fees & benefit conditions

Card issuance fee
Monthly virtual / annual physical issuance waived once
Maintenance / subscription
$129/year or $12.90/month
Foreign-currency fee
Check purchase FX in app; ATM rate is separate

Read the conditions behind the figures

  • Only eligible Apple Pay/Google Pay purchases qualify.
  • Limit 18 USDs/month; refunds reverse rewards.
  • Membership is separate from card format.
  • Membership fees are nonrefundable; renewal is attempted 48 hours before expiry.
  • Manage it in Pro → Manage membership → Auto-renewal.
  • The annual plan waives RedotPay ATM fees on the first $1,000 withdrawn per monthly billing cycle; ATM-operator/local-bank fees are separate.

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

Fields reviewed · 2026-09-09

Documents & application

Documents to prepare

  • Standard RedotPay identity checks apply.
  • $12.90/month waives virtual issuance once; $129/year waives physical issuance once.
  • Membership payments are non-refundable.

Steps on the official site or app

  1. Complete identity verification in RedotPay.
  2. Open RedotPay Pro and compare monthly/annual benefits and price.
  3. Select a plan and review renewal terms before subscribing.
  4. Use its one-time issuance waiver when applying for the eligible card.

The official site opens in a new tab. Select the product and tier shown above. Identity checks and the final application take place with the provider.

Full details & support

Full details

Practical payment facts

Narrow by supported features · brand guidance, subject to regional and tier conditions.

Funding / spending assets
USDC · USDT · BTC · ETH
Supported networks
Official confirmation needed
Balance / billing currency
USD for new cards; legacy HKD cards exist
Conversion timing
At payment
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
Cancellations, refunds and support
Ask the merchant directly for a refund. Authorized is a temporary hold and Cleared is settled; merchant confirmation alone is not a credited refund, so check the RedotPay refund notification and account credit.
How long does it take?
Failed-payment holds usually return in 2–5 days. Merchant refunds can take 30+ days; RedotPay states crediting within 2–15 days after receipt. If delayed, obtain the merchant’s processing date and ask support to trace it.
Where is it returned?
Refunds return to the RedotPay account, but the official card-refund guide does not specify the returned crypto. Ask support which balance receives the credit; the merchant refund excludes the original transaction fee.
Cancellation and subscriptions
Card → Settings → Delete card removes the card; cancel merchant subscriptions with the merchant. For Pro, turn off Pro → … → Manage membership → Auto-renewal separately; paid membership fees are non-refundable.
Declined or unfamiliar transactions
If the app transaction shows an error, send a screenshot to RedotPay support. With no transaction record, ask the merchant about its rejection; if an amount is held, distinguish Pending from Declined before retrying.
What to prepare for support
Use support in the official app or help center with the error, date, amount and merchant refund confirmation. For an unresolved merchant charge, ask about chargeback eligibility and procedure.
Official help and support ↗Official information · helpcenter.redotpay.com ↗
Official information · helpcenter.redotpay.com ↗
Official information · helpcenter.redotpay.com ↗
Official information · helpcenter.redotpay.com ↗
Official information · helpcenter.redotpay.com ↗
Official information · helpcenter.redotpay.com ↗
Official information · helpcenter.redotpay.com ↗
Official information · helpcenter.redotpay.com ↗
Brand and custody
Card issuer / operator
Official confirmation needed
Custody of funded balances
Custodian Account users: Red Dot Trust Limited or appointed concurrent/successor custodians. Assets use pooled custody and individual internal ledgers; this description does not apply to a separate self-custody wallet.

Use Cards → Freeze and manage card spending limits. Cancel subscriptions with the merchant to avoid failed recurring charges and possible fees. For spending without borrowing, use Balance payments and treat optional Credit separately.

An alternative to compare
RedotPay Virtual ↗

Choose virtual without Pro if you rarely use mobile wallets or cannot spend credits before expiry.

Check regional terms
Compare both cards →
Calculate for my spending (optional)

Sources checked · 2026.09.08

Same spending. What is left?

Three cases using published terms. Add your funding costs to see what remains of the reward.

Assumes you use 100% of the reward.

Adjust reward use (optional)

Leave 100 if you will use it all. If you expect to use $5 out of a $10 reward, enter 50. This is how much of your reward you will use, not the card’s earning rate. For expiring rewards, consider what you can use before expiry.

Add my actual costs

Blank means unknown. Enter 0 only for costs that do not apply.

Reward bands and caps applied

Reward value to use$18.00
Included costs$12.90
Subtotal after known costs$5.10

Final net is not calculated while costs remain unknown.

Monthly membership
$12.90
Issuance/shipping per month
$0.00
Published payment/FX costs
$0.00
Additional entered costs
$0.00

Monthly fee $12.90. Only eligible Apple/Google Pay earns 3%, capped at $18 after $600 spend. Reward USDs are card-spending credits expiring in 30 days. New virtual assumes a valid one-time waiver. Enter applicable purchase/FX fees; no universal rate is confirmed.

Assumptions and official evidence

Assumes an approved card and eligible retail purchases. Inputs are USD equivalents, without live FX. Taxes, ATM, borrowing, excluded merchants and refunds are outside this calculation.

One-time issuance and shipping are spread over 12 months for comparison. KAST virtual issuance varies $0–$2 by region.

Issuance/shipping per month: $100.00 ÷ 12

RedotPay — Pro membership and rewards ↗
RedotPay — Fees retained after refunds ↗

Official documentation & sources

Follow the official steps

Check the asset-specific networks and minimums on the Deposit screen. The amount after network fees must meet the deposit minimum; supported routes can change.

A subminimum deposit can be combined with a later deposit of the same asset on the same network that meets the minimum. Check the app’s current minimum before sending.

Use the official app/help center or support@redotpay.com. The official contact page states a reply within one business day, not a guaranteed resolution deadline.

Follow the official steps · RedotPay ↗
RedotPay Pro terms ↗
RedotPay Pro pricing ↗
Apply for a virtual card ↗
Apply for a physical card ↗
Deposit crypto to RedotPay ↗
Set payment currency order ↗
Identity verification requirements ↗
Unsupported citizenships/regions ↗
Minimum application age ↗
Manage card security ↗
Fraudulent charges and subscriptions ↗
New card settlement currency ↗
RedotPay card fees ↗
Optional RedotPay Credit ↗
RedotPay General Terms — custodian definition ↗
Custodian Account terms — Part A, pooled assets and individual records ↗
Official RedotPay contact details ↗

Based on official documentation · not a firsthand payment test

Official sources

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.

ATM
Physical card: HKD card 2%; USD card 2% up to $10,000/month and 3% above. ATM operator charges may be separate.
ATM FX / conversion
Within this ATM fee schedule: 1.2% for another currency and 1% crypto conversion. These rates are not substituted for purchase FX terms.
An editorial guide based on official documents ↗