DCS Card Centre · VISA
DeCard Luminaries Visa
Available
A premium DeCard program with tiered rewards, lounge visits and travel cover.
Documented terms
- Plan price
- US$388 annual fee; the fee schedule lists no inactivity fee for Luminaries
- Issuance and shipping
- Virtual issuance is free; physical issuance is US$100, with delivery priced by market
- Per-purchase fee
- Not yet verified
- FX and conversion
- 0% foreign-exchange fee from 13 July 2026 under the published Luminaries schedule
- Top-ups
- Funding fee is 0%; published digital-asset conversion markup is 0% at the market rate
- ATM
- 1% or US$5 per withdrawal, whichever is greater, plus ATM-operator fees; exact card limits are not published in the travel guide
- Rewards and limits
- Choose cashback or DePoints monthly: 2% on the first US$2,000, 3% on the next US$3,000, then 10%; cashback is capped at US$200/month and excludes Scan-and-Pay
- Eligibility
- Initial eligibility is limited to C-suite executives or Key Opinion Leaders; Singapore applicants verify through Singpass, while foreigners in Singapore submit passport and proof of address
- Custody
- Not yet verified
Published benefits
Terms can depend on tier, subscription, eligibility and region. Check the source and your offer before relying on a benefit.
Dragonpass airport lounges
Two complimentary visits are included for access to 1,400+ lounges. The current travel guide says three more may be available as a welcome-gift choice; check the offer and Dragonpass terms before relying on them.
Travel insurance
Coverage of up to US$1,000,000 applies when airfare is charged to the DeCard Luminaries card. Review the policy for covered events, limits and exclusions.
A plan with verified numerical rules has not yet been recorded for this profile.
Sources and dates
Each source states what it documents and when it was checked. An older reference does not confirm every current cost.
- DCS Card Centre / Visa: DeCard by DCS and Visa launch ↗
The May 2025 launch release identifies DeCard as a DCS-issued Visa micro-credit card starting in Singapore, funded through SGD or selected digital assets; MAS-licensed DPT partners convert USDT/USDC to fiat before settlement. It also documents no annual fee for standard DeCard, mobile wallets, and ATM cash withdrawal availability worldwide except Singapore.
Checked 2026-10-05
- DeCard: Spend Stablecoins Anywhere with DeCard ↗
Current application guide: Singapore citizens and permanent residents can verify with Singpass; other foreigners in Singapore submit passport or identity documents and proof of address. Approved cardholders receive a DCS-assigned credit limit and virtual card, can request a physical card, use Apple Pay or Google Pay, and fund through listed USDC/USDT networks or SGD bank transfer for Singapore users.
Checked 2026-10-05
- DeCard Help Center: What fees does DeCard and DeCard Luminaries charge? ↗
Published schedule separates SGD DeCard, USD DeCard and Luminaries: standard annual fee and virtual issuance are free; standard physical issuance is S$10 or US$10, Luminaries is US$388/year and US$100 physical issuance; delivery varies by market. Funding fee and digital-asset conversion markup are 0%. It lists 1.8% FX on standard cards, Luminaries 0% FX effective 13 July 2026, ATM fee of 1% or S$5/US$5 (whichever is greater), 28% annual interest terms and minimum-payment fees, plus the standard-card inactivity fee.
Checked 2026-10-05
- DeCard: How to Spend with DeCard Abroad: Fees, ATMs, and Travel Tips ↗
Current travel guide states standard DeCard has a 1.8% foreign-currency fee; DeCard Luminaries has 0% FX under its current pricing. Both charge 1% of an ATM withdrawal or US$5, whichever is greater, plus any ATM-operator fee. Luminaries has higher ATM limits, but this guide does not publish the amounts.
Checked 2026-10-05
- DeCard: Get Rewarded on Every Spend ↗
Current rewards guide: standard DeCard earns 1 DePoint per settled US$1, with cents excluded and points valid for two years. Luminaries cardholders choose between DePoints and cashback; cashback bands are 2% on the first US$2,000, 3% on the next US$3,000 and 10% above US$5,000, capped at US$200/month. Rewards exclude Scan-and-Pay and post by the 10th of the following month.
Checked 2026-10-05
- DeCard: How DeCard Luminaries Enhances Your Travel Experience ↗
Current Luminaries travel guide says the card includes two Dragonpass lounge visits for 1,400+ lounges worldwide, with three additional visits available as a welcome-gift choice. It also says travel insurance of up to US$1,000,000 applies when airfare is charged to the card. Fast Track is described as a future DePoints redemption, not a live card benefit.
Checked 2026-10-07
- DeCard Help Center: How to apply for DeCard Luminaries ↗
Luminaries applicants first complete an eligibility check for C-suite executive or Key Opinion Leader status. After approval they complete the card application and identity verification; Singapore citizens and permanent residents use Singpass, while foreigners in Singapore upload passport and proof of address. DCS assigns the credit limit after card approval.
Checked 2026-10-05
- Monetary Authority of Singapore: Financial Institutions Directory: DCS Card Centre Pte. Ltd. ↗
MAS lists DCS Card Centre Pte. Ltd. as a Singapore-incorporated Credit and Charge Card Licensee under the Banking Act; this is the card-issuer licence, distinct from DPT partners' digital-asset conversion permissions.
Checked 2026-10-05