RedotPay / Card review

Virtual & physical · Crypto spending

RedotPay Virtual

Use supported crypto assets through virtual and physical card options.

Check regional terms
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Official product image · Designs may vary by country and tier.

Before you apply

Selected tier / planStandard virtualRedotPay Virtual

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

Choose virtual for online spending before paying for a physical card.

Rewards · first band
Standard cashback unspecified; Pro separate
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 the $10 virtual card if online or supported mobile-wallet payments suffice and you do not need ATM access.

The tradeoff

  • The issuance fee is not spendable balance; ongoing base cashback and purchase FX remain unverified here.
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
$10 virtual issuance
Maintenance / subscription
Card $0/year; optional Pro and personal funding-account fees separate
Foreign-currency fee
Check purchase FX in app; ATM rate is separate

Read the conditions behind the figures

  • Issuance payment is not spending balance.
  • Purchase FX could not be reverified from the readable public fee page.

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 · 2

Fields reviewed · 2026-09-09

Documents & application

Documents to prepare

  • Original physical ID valid for 3+ months, face scan, actual address and short questionnaire.
  • Additional documents if requested.
  • Age 18+.

Steps on the official site or app

  1. Complete identity verification in RedotPay.
  2. Choose Card → Apply for card • 10 USD.
  3. Enter an English billing address and fund the issuance fee.
  4. Review the application and non-refundable payment, then select Pay.

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 Physical ↗

Choose physical only if ATMs or merchants requiring a physical card justify $100 issuance.

Check regional terms
Compare both cards →

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 ↗
Download the RedotPay App ↗

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 ↗