Crypto.com is cheaper on every fee that is published: 0.5% on foreign transactions at the entry Midnight tier and nothing at higher tiers, against RedotPay’s flat 1.2%, and a free virtual card against 10 USD. Two things to weigh against that. Its physical card is priced in Singapore dollars (4.99 SGD for Midnight, 39.99 for Ruby), which we do not convert to compare against RedotPay’s 100 USD. And topping up costs 0–2% depending on how you do it, where RedotPay is free.
In 30 seconds
Foreign transaction feeCrypto.com — 0.5% at entry tier, nothing above it, against 1.2%
Topping upRedotPay — free; Crypto.com charges 0–2% depending on method
Physical cardPriced in different currencies — we do not convert
Cashback rateNeither publishes one you can calculate with
Full comparison
Read straight from the same database as each card’s review.
We mark a winner only when one card’s worst case still beats the other’s best case —
where the ranges overlap we say so instead of picking for you.
Where you can apply
Item
Crypto.com
RedotPay
Taiwan
Available — we applied ourselves
Available — we applied ourselves
Hong Kong
Available — inferred from the issuer’s documents
Not on the issuer’s exclusion list
The card
Item
Crypto.com
RedotPay
Network
Visa
Visa
Card type
Prepaid
Prepaid
Physical card
Yes
Yes
Fees
Item
Crypto.com
RedotPay
Annual feeSame
Free
Free
Virtual card issuance
betterFree
10 USD
Physical card issuanceDifferent currencies — we do not convert
Midnight SGD 4.99; Ruby SGD 39.99 (free for annual Level Up Plus subscribers, monthly subscribers of 6+ months, or an active lockup)
100 USD
Foreign transaction fee
betterMidnight 0.5% (purchases and ATM); no fee on other tiers
1.20%
Top-up / deposit feeRanges overlap — depends on tier or where you spend
Debit card top-up 0%; credit card 1%; via Apple Pay 2%
Free
Crypto conversion
Not published
1.00%
ATM withdrawal
2% above the monthly free allowance; allowance is SGD 200 Midnight / 400 Ruby / 800 Indigo-Jade / 1,000 Icy-Rose-Obsidian
2% up to 10,000 USD withdrawn per month; 3% above
Cashback
Item
Crypto.com
RedotPay
Base cashback
The issuer does not publish a base rate
Not published
Cashback cap
1,250 USD/month — Basic none / Plus 1,250 / Pro 2,500 USD / Private uncapped
Not published
Hands-on in Taiwan
Item
Crypto.com
RedotPay
Apple Pay
We have not tested this
We have not tested this
Google Pay
We have not tested this
We have not tested this
LINE Pay
We have not tested this
We have not tested this
7-11
We have not tested this
We have not tested this
FamilyMart
We have not tested this
We have not tested this
Verification
Item
Crypto.com
RedotPay
Last checked
2026-08-05
2026-08-04
“Not published” and “we have not tested this” are different things, and neither means zero.
We do not fill gaps to make the table look complete.
Crypto.com Visa Card suits you if
You will fund the card by debit card, where the top-up fee is 0%
You already use Crypto.com for trading or staking
You accept that the cashback rate depends on a Level Up plan rather than the fee schedule
RedotPay Card suits you if
You want one rate that does not move with tiers — 1.2% is 1.2%
Your funding method varies and you do not want to be charged for it
You want the issuer to at least publish which countries it will not serve
So which one?
If you fund by debit card and stay inside the Crypto.com ecosystem, it is meaningfully cheaper per transaction. If you fund by credit card (1%) or Apple Pay (2%), much of that advantage goes back out the door. Neither issuer publishes a cashback percentage you can do arithmetic with, so leave rewards out of this decision entirely — decide on the fees you can actually see.
Some links on this site are affiliate links. If you sign up through one, we may be paid a commission. It does not change what you pay, and it does not change our ranking — cards we have no partnership with are compared on the same page, on the same terms.
Crypto.com Visa Card 
RedotPay Card