TL;DR
This card suits anyone in Taiwan who wants to pay for everyday small purchases with crypto. It’s similar to Crypto.com’s debit card, but you don’t have to lock up a chunk of money, and you don’t have to convert your coins to SGD when you spend. Just top up RedotPay with your coins (USDT / USDC / ETH / BTC / SOL) and it deducts automatically at checkout, at a reasonable exchange rate.
The barrier to entry is fairly low: 10 USD for a virtual card, 100 USD for a physical card, and in early 2026 they launched a Solana Card too. It supports Apple Pay, Google Pay, Line Pay and Binance Pay. Everyday spending — PChome, Momo, Foodpanda, Uber, Steam and so on — can all be paid with crypto. The virtual card is plenty for daily use, but if you have spare cash the physical card is nice for spending abroad or for anyone who likes tapping a physical card. There’s also fee-free internal transfer, so you can use it as a simple wallet.
Referral link: RedotPay referral sign-up link (Referral ID: 5k2w0)
Enter referral code 5k2w0 to earn $5 USD.
Scan the QR with your phone to open it directly:
What RedotPay is
RedotPay is a Hong Kong fintech company focused on blockchain technology, offering crypto users a convenient payment solution. It launched the RedotPay VISA card, which you can apply for online instantly to spend crypto on everyday purchases.
On the back of its approach, RedotPay holds an MSB (Money Services Business) license and is officially authorized by VISA. The RedotPay VISA card comes in virtual and physical versions, both of which support Apple Pay, Google Pay and Line Pay, making everyday payment more seamless. RedotPay charges no annual fee, which further lowers the cost to users.
Here’s what the app looks like:
More info: RedotPay official site
Supported deposit coins
Deposits currently support USDT, USDC, BTC, ETH and SOL.
Chains supported for USDT
- Ethereum (ERC20)
- Tron (TRC20)
- BNB Smart Chain (BEP20)
- Arbitrum One
Chains supported for USDC
- Ethereum (ERC20)
- Tron (TRC20)
- BNB Smart Chain (BEP20)
- Arbitrum One
- Polygon
- Solana
Unlike Crypto.com’s card, you don’t have to convert crypto to SGD before spending — just keep USDT, USDC, BTC, ETH or SOL in the card and it deducts automatically at checkout. You can also set the deduction priority across your coins.
The per-transaction limit is handy too. I sometimes set a small limit to cap losses from fraud — if a charge exceeds that amount it just shows “Declined.” Just remember to turn this off or raise the limit when you actually need to make a bigger purchase yourself.
Application flow
The flow is simple: download the app, register an account (referral code 5k2w0), verify your identity, and apply to open a card — it’s quick. There are two card types to choose from, virtual and physical. If you’ll only spend online or via Apple Pay / Google Pay / Line Pay, the virtual card is enough.
Card opening fees
| Card type | Fee |
|---|---|
| Virtual | 10 USD |
| Physical | 100 USD |
Real-world spending
I basically only keep Tether USDT in it, so everything is deducted in USDT.
Official rates (2026)
| Scenario | Rate |
|---|---|
| Default-currency spend (USD) | 1.00% |
| Non-default currency (incl. TWD) | 1.20% |
| Some merchants | 1.50% (first 3 each month waived) |
Actual online spending records
- A foreign service for 14.95 USD, deducted 15.0995 USDT (1% fee)
- Foodpanda for 441 TWD, deducted 14.3218 USDT (at that day’s rate, roughly 1.5–2% fee)
- PChome for 1,111 TWD, deducted 36.1075 USDT (at that day’s rate, roughly 1.5–2% fee)
- I’ve also used this card on Steam and the Meta Store for games — most of it works
Spending in physical stores via Line Pay and Apple Pay hasn’t hit a “can’t use it” case either; I’ve used it at Ikea and chain restaurants.
Official limitations and fee info
Referral code and link
If you’re interested in trying RedotPay, you can sign up with the referral link:
RedotPay referral sign-up link (Referral ID: 5k2w0)
Or scan the QR code with your phone to open it directly:
My take
The RedotPay debit card is quite handy for small payments — keep a small balance in it, or top up crypto only when you need it, which also limits losses if it gets skimmed. I usually keep the limit on and treat this as my “entertainment spend” card.
If friends are all using it, you can also do internal transfers via RedotPay ID — it’s a bit like using JKOPay or Line Pay, except what’s stored inside is crypto. The app also has a multi-currency wallet, fiat withdrawal (in some regions), P2P exchange, credit-collateral spending, Earn and more, which I don’t use myself; check the official site if you’re curious.
Through Line Pay and Apple Pay the usable channels are already very broad, but in practice some online channels still won’t take this card. Overall I’m fairly satisfied with it.
FAQ
Q: How much does it cost to apply for RedotPay? 10 USD for the virtual card, 100 USD for the physical card, no annual fee. If you only spend online or via mobile payment, the virtual card is enough.
Q: Which coins can I deposit to RedotPay? Do I need to convert first? USDT / USDC / BTC / ETH / SOL, with USDT on chains like ERC20 / TRC20 / BEP20 / Arbitrum. Unlike Crypto.com, you don’t convert to SGD first — just keep the coins in and the card deducts automatically at checkout.
Q: What’s the fee for spending in Taiwan with RedotPay? Official rates: default currency (USD) 1%, non-default (incl. TWD) 1.2%, some merchants 1.5% (first 3 each month waived). In my own testing, TWD spending lands around 1.5–2%.
Q: Does RedotPay work in Taiwan? Can I link Line Pay? You can link Apple Pay / Google Pay / Line Pay, and PChome, Momo, Foodpanda, Steam, IKEA and others all go through for me. If you want a card where your assets never leave your own wallet, see the Ready Card review.