These are the two cards we hold and have actually tested, and the fees land close together: no annual fee on either, both 10 USD to issue a virtual card, foreign transactions at 1–1.5% for ether.fi against a flat 1.2% for RedotPay. Those ranges overlap, so we do not claim one is cheaper. The real split is the model — ether.fi spends against collateral that stays on-chain, RedotPay spends a balance you loaded first.
In 30 seconds
Foreign transaction feeRanges overlap — we do not call a winner
Virtual card issuanceIdentical at 10 USD
Spend without sellingether.fi — credit against collateral
Simpler to operateRedotPay — load it, spend it
Cashback publishedether.fi at 3% on the first 2,000 USD a month; RedotPay publishes nothing
We have held bothYes — the only pair on this site where that is true
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
ether.fi
RedotPay
Taiwan
Available — we applied ourselves
Available — we applied ourselves
Hong Kong
Not on the issuer’s exclusion list
Not on the issuer’s exclusion list
The card
Item
ether.fi
RedotPay
Network
Visa
Visa
Card type
Debit
Prepaid
Physical card
Yes
Yes
Fees
Item
ether.fi
RedotPay
Annual feeSame
Free
Free
Virtual card issuanceSame
10 USD (Core / Luxe / Pinnacle); free for VIP
10 USD
Physical card issuanceRanges overlap — depends on tier or where you spend
Core 50 USD; Luxe and Pinnacle 100 USD; free for VIP (covers the card and shipping)
100 USD
Foreign transaction feeRanges overlap — depends on tier or where you spend
FX base rate of about 1%, plus a tier margin: Core +0-0.5% / Luxe +0-0.25% / Pinnacle and VIP no margin
1.20%
Top-up / deposit fee
Not published
Free
Crypto conversion
Not published
1.00%
ATM withdrawal
Supported; the issuer does not publish a rate
2% up to 10,000 USD withdrawn per month; 3% above
Cashback
Item
ether.fi
RedotPay
Base cashback
3%
Not published
Maximum cashback
3%
Not published
Cashback cap
2,000 USD/month — 3% on the first 2,000 USD, 1% from 2,001–3,000 USD, 0.5% above that
Not published
Hands-on in Taiwan
Item
ether.fi
RedotPay
Apple Pay
Works
We have not tested this
Google Pay
Works
We have not tested this
LINE Pay
Works
We have not tested this
7-11
Declined in testing
We have not tested this
FamilyMart
Works via Apple Pay
We have not tested this
Verification
Item
ether.fi
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.
ether.fi Cash Card suits you if
You hold on-chain assets you want to keep earning while you spend
Your monthly spend lands under 2,000 USD, where the full 3% applies
You are comfortable with collateral and liquidation mechanics
RedotPay Card suits you if
This is your first crypto card and you want the fewest moving parts
You do not want to think about collateral ratios at all
You value a rate that does not move with your tier — 1.2% is 1.2%
So which one?
If you are already in DeFi with assets on-chain, ether.fi lets you spend without selling, and RedotPay simply cannot do that. If this is your first card, or you just want to park an amount and draw it down, RedotPay’s simplicity is a feature rather than a limitation. On rewards there is a real gap: ether.fi publishes 3% with a stated cap, RedotPay publishes nothing at all — which is not the same as paying nothing, but it does mean you cannot do the maths before you apply.
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.
ether.fi Cash Card 
RedotPay Card