Fees
| Item | Fee |
|---|---|
| Virtual card issuance | 10 USD |
| Physical card issuance | 100 USD |
| Annual fee | Free |
| Account maintenance | Free |
| Deposit fee | Free |
| Same-currency transaction | Free |
| Non-default currency transaction | 1.20% |
| Crypto conversion | 1.00% |
| ATM withdrawal (HKD card) | 2.00% |
| ATM withdrawal (USD card) | 2% up to 10,000 USD withdrawn per month; 3% above |
| Virtual card replacement | 5 USD first time, 10 USD thereafter |
| Small authorisation | First 5 per card per month free, then 0.2 USD each |
| Declined transaction | First 3 per card per month free, then 0.5 USD each |
| Physical card shipping | Standard post free; DHL varies by country |
| Select-merchant transaction | 1.50% (minimum 0.50 USD); first 3 per card per month waived |
Limits
| Balance limit | No cap |
|---|---|
| Per-transaction limit | 100,000 USD |
| Daily transaction limit | 1,000,000 USD |
Who can apply
Residents of both Taiwan and Hong Kong can apply. Issuance fees are usually non-refundable, so walk the app as far as the KYC step before paying anything.
Where these numbers come from
Every figure above was read from the issuer’s own page: https://helpcenter.redotpay.com/en/articles/10339271-redotpay-card-limitations-fees. We last read it on 2026-08-04.
Checking note
Checked item by item on 2026-08-04 against the official fee table: all 13 fees and 9 limits match, nothing needed correcting. The table is published as an image and is marked "Effective from December 1, 2025". Newly added this round: the 1.5% select-merchant fee, documented in a separate official article (10339275), which applies to Facebook Ads, Discord and several game top-up platforms.