DiCard

What DiCard is

DiCard is the card programme of DigiFinex, an exchange operating since 2018. It exists to close the gap between an exchange balance and everyday spending: the Platinum card debits your DigiFinex account balance in real time, while the Lite, Premier and Euro cards are topped up separately with stablecoins and used as standalone virtual cards.

The four cards

Platinum is the flagship for people who want to spend directly from trading balances. Lite is the entry-level virtual card for low-fee everyday use, compatible with Apple Pay and Google Pay. Premier is the high-limit virtual card with the largest ceilings - up to $1,000,000 a year - and support for Apple Pay, Google Pay and Alipay. The Euro card is a euro-denominated variant, currently marked as not available on DigiFinex's own comparison.

Transparent pricing, unusual structure

DigiFinex publishes a full comparison table, which is more than most card issuers do. The structure is worth reading closely: application fees are low at 1 to 5 USDT and there are no monthly or annual fees, but the Premier card carries a 1.3% deposit fee and a $0.50 charge on every transaction, while Platinum charges no deposit or withdrawal fee and 1.5% on non-USD transactions. Which card is cheaper depends entirely on how you spend.

Who it suits

Existing DigiFinex users get the most from it, particularly through the Platinum card's direct exchange-balance spending. Anyone already holding stablecoins and wanting a virtual card with published limits will find the fee table easier to evaluate than most competitors' marketing pages.

DiCard comes in several tiers, from a low-fee Lite card to a Platinum card that spends straight from a DigiFinex balance, mirroring how the CoinW Card and the KuCard work for their own exchanges. What changes between tiers is the fee schedule rather than the rewards, so check the crypto cards directory before picking one.

Cards

• Platinum Card: spends directly from your DigiFinex exchange account balance in real time, with no deposit or withdrawal fee.
• Premier Card: high-limit virtual card for daily spending, supporting stablecoin deposits and withdrawals plus Apple Pay, Google Pay and Alipay.
• Lite Card: low-fee virtual card for everyday use, funded with stablecoins, with Apple Pay and Google Pay support.
• Euro Card: euro-denominated virtual card, currently marked as not available.

Controls

• Control limits, freeze or unfreeze the card and track spending from the app.
• Instant notifications on card transactions.
• Crypto-to-cash withdrawal to local currency.

Applying

• Create a DigiFinex account, verify your details and submit a card application.
• Virtual cards are usable immediately after topping up.
• Free card issuance when you join the VIP programme.

Funding assets

DiCard cards are funded with stablecoins, with USDT serving as the reference asset - DigiFinex quotes application fees in USDT and describes Premier and Lite as stablecoin-funded cards. The Platinum card is different: it draws on your broader DigiFinex exchange balance in real time, so what you can spend is whatever you hold on the exchange.

Currencies

Cards are denominated in USD except the Euro Card, which is denominated in EUR. Non-USD transactions attract a 1.5% FX fee across the range.

Limits to watch

Premier allows $25,000 per transaction, $50,000 a day, $400,000 a month and $1,000,000 a year. Platinum is far tighter at $3,000 per transaction and $10,000 a day, which suits everyday spending rather than large transfers. DigiFinex does not publish the Lite card's limits in the same table.

Premier Card

• Application fee: 1 USDT
• Monthly and annual fee: 0
• Deposit fee: 1.3%, reduced to 0.3% for the first five deposits
• Withdrawal fee: 1.3%
• Spending fee: $0.50 per transaction
• FX fee: 1.5% on non-USD transactions
• Refund fee: 2% per transaction

Platinum Card

• Application fee: 5 USDT
• Monthly and annual fee: 0
• Deposit fee: 0
• Withdrawal fee: 0
• Spending fee: 0
• FX fee: 1.5% on non-USD transactions
• Refund fee: 2% per transaction

Euro Card

• Application fee: 5 USDT
• Monthly and annual fee: 0
• Crypto conversion fee: 1.3%
• Spending fee: 0
• FX fee: 1.5%

Read the deposit and spending fees together rather than in isolation: Premier looks cheapest on issuance at 1 USDT but charges $0.50 on every purchase and 1.3% to load the card, which makes it expensive for frequent small transactions. All cards are currently marked as unavailable in the Euro version.