Our verdict
Best for: High-volume spenders in Asia and ME/Africa who prioritise limits over cashback
RedotPay's headline stat is its spending limits: $100K per transaction, $1M per day, by far the highest on the site. With 6M+ users and $10B+ in processed volume it's proven at scale. No cashback at all, and a 1.2% FX markup. This isn't a card you choose for rewards, it's for users who need maximum throughput with minimal friction. Particularly strong in Asia and the Middle East where alternatives are thinner.
Specifications
| Card network | Visa |
|---|---|
| Provider | Red Dot Technology Limited (Hong Kong) |
| Funding model | Pre-funded debit (you load crypto/stablecoins to spend) |
| Settlement currency | USD |
| Available in | 100+ countries (Asia, EU, LatAm, ME, parts of Africa) |
| Supported chains | Ethereum, Tron, BSC, Arbitrum, Polygon, Solana |
| Supported assets | BTC, ETH, USDT, USDC, SOL + 20 more |
| Issuance fee | $10 |
| Monthly fee | $0 |
| FX markup | 1.2% |
| ATM fee | 2% |
| Top-up fee | 1% |
| Foreign transaction fee | 2.2% |
| Cashback | None |
| Daily spend limit | $1000000 |
| Monthly spend limit | , |
| Daily ATM limit | $116250 |
| Last verified | 2026-04-30 |
What to watch out for
- Highest spending limits in market ($100K/transaction, $1M/day)
- 6M+ users, $10B annualised volume
- Coinbase Ventures/Lightspeed/Pantera/Galaxy backed
- unicorn status post Sep 2025
- Fireblocks custody, Circle USDC partnership
- PCI DSS 4.0 certified
- Telegram Mini-App for instant USDT top-ups on TON
Editorial notes
- Virtual card $10, physical $100
- 1% conversion + 1.2% FX = 2.2% on foreign currency, 0% on USD
- ATM 2% with no free allowance
- Apple/Google/Samsung Pay supported
- new Solana Card launched Feb 2026 enables direct SOL spending
- daily limits exceptional but no cashback is the main drawback
- some merchants (Netflix, app stores) may decline
Frequently asked questions
Where is the RedotPay available?
As of 2026-04-30, RedotPay is available to residents of Europe, Latin America, Asia-Pacific, and Middle East & Africa. Specific country list: 100+ countries (Asia, EU, LatAm, ME, parts of Africa).
What are the fees on the RedotPay?
RedotPay has an issuance fee of $10, no monthly fee, a 1.2% FX markup on non-settlement-currency spend. See the spec table above for ATM and top-up fees.
Does RedotPay hold my crypto?
Yes. RedotPay is a pre-funded card. You transfer crypto or stablecoins to a balance held by the provider, which the card then spends from. This is custodial: the issuer controls the funds while they sit there.
Last verified 2026-04-30. Rates and availability change frequently. Always confirm with the issuer before signing up. See our methodology for how we collect and verify this data.