Fees
| Item | Fee |
|---|---|
| Physical card issuance | Core 50 USD; Luxe and Pinnacle 100 USD; free for VIP (covers the card and shipping) |
| Non-default currency transaction | FX base rate of about 1%, plus a tier margin: Core +0-0.5% / Luxe +0-0.25% / Pinnacle and VIP no margin |
| Virtual card issuance | 10 USD (Core / Luxe / Pinnacle); free for VIP |
| Annual fee | Free |
Limits
| Daily transaction limit | Core 30,000 USD/day; Luxe 50,000; Pinnacle 100,000 |
|---|---|
| ATM withdrawal limit | 500 USD per withdrawal; max 3 per rolling 24 hours (1,500 USD) |
Cashback
Tiered by calendar-month spend: Core 3% on the first 2,000 USD, 1% to 3,000, 0.5% above; Luxe 3% on the first 10,000; Pinnacle 3% on the first 50,000. EUR spend uses a separate ladder
Who can apply
Confirmed available to residents of Taiwan and Hong Kong. Issuance fees are usually non-refundable, so walk the app as far as the KYC step before paying anything.
Hands-on in Taiwan
Tested by our editor with the card in hand. The issuer does not publish any of this, so the source here is actual use, not documentation.
| Apple Pay | Works |
|---|---|
| Google Pay | Works |
| Line Pay | Works |
| 7-Eleven | Declined in testing |
| FamilyMart | Works with Apple Pay |
| Online and restaurants | Mostly accepted |
Where these numbers come from
Every figure above was read from the issuer’s own page: https://help.ether.fi/en/articles/303623-what-are-the-transaction-limits-and-fees-for-personal-cash-credit-cards. We last read it on 2026-08-05.
Checking note
Re-checked 2026-08-04 and found one real error: we had recorded the foreign-currency fee as "Core 0-0.5%", but the official wording is that ether.fi applies the prevailing FX base rate (~1%) and may add a margin on top of that. The 0-0.5% is only the margin, so our figure understated the real cost. Both layers are now shown. This round also adds the 50 USD physical card fee (Core, shipping included) and the tiered cashback. Virtual card issuance and annual fee are still not published, so they stay blank. 2026-08-12, hands-on update: FamilyMart now reads "Works with Apple Pay" — our earlier "declined in testing" was overturned by a retest. 7-Eleven still declines. The aggregate "Convenience stores: not supported" row was removed, because the two chains no longer behave the same and one line covering both would be untrue. Fees were not re-checked; checkedAt stays 2026-08-05.