DCS Card Centre · VISA
Available
A Singapore-issued Visa that converts USDC or USDT into real-world spending power.
Observed 2026-10-05
A standard DeCard with no customer-initiated transaction for 90 consecutive days can incur a S$5 or US$5 per-card fee at each billing cycle; refunds do not reset the inactivity period. If the account remains inactive at the next monthly review the card closes, and a zero-balance card closes immediately. Luminaries is not subject to this fee.
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Each source states what it documents and when it was checked. An older reference does not confirm every current cost.
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
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
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
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
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
A standard DeCard is inactive if no customer-initiated transaction (refunds excluded) occurs for 90 consecutive days. DCS may charge S$5 or US$5 per card at each billing cycle; if the card remains inactive at the next monthly review it will be closed. A zero-balance inactive card closes immediately. Luminaries is listed as not subject to this fee in the fee schedule.
Checked 2026-10-05
DeCard announced that its inactivity fee took effect on 13 February 2026; a card is considered inactive after 90 consecutive days without transactions and the amount follows the applicable fee schedule.
Checked 2026-10-05
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
