Belo LUX Card

What belo LUX is

Belo LUX is the global Visa card from belo, an Argentine financial app. Where belo's Mastercard is designed for everyday spending in pesos inside Argentina, LUX exists to pay in dollars: travel, international online purchases, flights, hotels, subscriptions and software billed abroad.

Why Argentine users want it

Traditional Argentine cards typically add a surcharge when you pay in dollars. Belo positions LUX as removing that surcharge — it is not cashback or a rebate, it is the absence of the dollar markup. That is the whole value proposition: pay the dollar price you see.

How it works

You hold a balance in the belo app and request the virtual Visa card, which activates in minutes with no paperwork. Adding it to Apple Pay or Google Pay is done manually in the wallet app. The card requires at least USD 25 sitting in your belo account, which is a balance requirement rather than a fee.

What to watch

Always select USD at checkout. Belo warns that if a merchant or site charges you in another currency, an additional conversion fee applies — and it advises against using LUX to pay in pesos inside Argentina, where the local Mastercard is the better choice.

Belo's LUX card is a fully virtual dollar card that is free to request and free to maintain, aimed at Argentine users who need to spend abroad. The Takenos Card serves the same audience with a US-issued international card, and the Lemon Card adds Bitcoin cashback on top. Our crypto cards listing covers the Argentine options.

Free to request and free to hold

• No issuance fee and no maintenance fee.
• A minimum balance of USD 25 in the belo account is required to request it.

Instant virtual card

• Requested from the app and activated in minutes, with no paperwork and no waiting.
• Apple Pay and Google Pay supported through manual wallet linking.

Built for dollar spending

• Travel, flights and hotels billed in dollars.
• International online stores including Amazon, Shein, Temu and Steam.
• Streaming and software subscriptions such as Netflix, Spotify, HBO Max, Adobe, Canva and Midjourney.

Accepted worldwide

• Works at any merchant where Visa is accepted.
• No physical card — belo LUX is virtual only for now.

Funding through the belo account

Belo is an Argentine crypto app, so the dollars that fund LUX come from the belo wallet rather than from a bank account alone. Belo's card programme has been built around crypto since its Mastercard prepaid card, allowing users to move between pesos, bitcoin and dollar balances inside the app.

What the card itself spends

LUX spends dollars. You are not choosing a coin at checkout — the card draws on your USD balance, and the underlying conversion happens in the app when you fund it.

Card fees

• Issuance: free
• Monthly maintenance: free
• Minimum balance to request: USD 25 in the belo account (not a charge)

Currency conversion

There is no extra cost when the purchase is billed in USD. If the merchant charges in another currency, an additional conversion fee applies — which is why belo advises always choosing USD at both physical terminals and online checkouts.

Not published

ATM access, withdrawal fees and spending limits are not documented on the LUX page. Belo also does not name the card issuer or the licence behind the programme on that page.