The crypto com card is a prepaid Visa, not a credit card, and in Singapore the headline 'up to 5% back' is doing a lot of work. To earn anything above 0% you either lock up CRO tokens for 12 months or pay a subscription, the reward lands in CRO rather than cash, and a November 2025 rule change tied your rate to keeping that stake alive. This guide gives the numbers that matter in 2026: the SGD stake behind each tier, the monthly spend caps that quietly limit your earnings, the fees and the S$20,000 wallet ceiling MAS imposes, and an honest read on whether the card pays once you price in CRO's volatility (tiers and caps as shown on Crypto.com's Singapore site, as of October 2026).
The card is a prepaid Visa issued to Singapore users under the Payment Services Act and supervised by the Monetary Authority of Singapore (MAS). You load it from your Crypto.com app wallet, then tap or swipe anywhere Visa is accepted. It is not a line of credit: there is no borrowing, no interest, and no credit-bureau reporting, so it will not build a Singapore credit file the way a real card does.
Rewards come back as CRO, Crypto.com's own token, paid into your app wallet. That single fact reshapes everything below. A '3% cashback' card that pays you in a volatile token is not the same as a 3% cashback card that pays Singapore dollars, and the gap between the two is where most of the disappointment lives. If you are still deciding whether to hold any crypto at all, our guide to buying bitcoin in Singapore covers the MAS rules and real SGD fees first.
Update, 13 October 2026: Ruby Steel now pays 1.5% on the first USD 750 of monthly spend (we listed 2% up to S$25 of cashback), Royal Indigo pays 2.5% on the first USD 1,500 (we listed 3% up to S$75), Rose Gold needs S$65,000 of CRO, not S$650,000, and pays 3.5%, and Obsidian pays 4.5%. There are five card tiers in Singapore, which the app now groups into four Level Up plans: Basic, Plus, Pro and Private. Each paid tier is unlocked by locking a set amount of CRO for 12 months, and Crypto.com quotes the stake in SGD on its Singapore site. Since September 2025, Ruby Steel and Royal Indigo can be paid for by subscription instead, at S$5.99 or S$39.99 a month; Rose Gold and Obsidian still need a stake. The table below uses the SGD figures shown for Singapore as of October 2026; CRO's price moves, so the token quantity behind each SGD figure shifts day to day.
Read the cashback column with the cap beside it, not on its own. Ruby's 1.5% applies only to the first USD 750 you spend each month, so the most it pays is USD 11.25 of CRO a month. Everything you tap after that earns nothing extra, while Rose Gold and Obsidian drop to 0.5% and 1% past their caps.
| Tier | CRO stake or subscription | Cashback (CRO) | Spend that earns it | Headline perks |
|---|---|---|---|---|
| Midnight Blue | None | 0% | n/a | Virtual card, basic spend |
| Ruby Steel | S$650 stake or S$5.99/month | 1.5% | First USD 750/month | 3 months Spotify and Truth+ |
| Royal Indigo / Jade Green | S$6,500 stake or S$39.99/month | 2.5% | First USD 1,500/month | 6 months Spotify, Netflix and Truth+, priority support, lounge for annual subscribers (2 visits a year) |
| Rose Gold / Icy White | S$65,000 stake | 3.5% | First USD 3,000/month, then 0.5% | Permanent streaming rebates, lounge, priority support |
| Obsidian | S$650,000 stake | 4.5% | First USD 5,000/month, then 1% | Permanent streaming rebates, lounge, priority support |
Crypto.com restructured card rewards through late 2025. From 2 November 2025 it removed several non-staking rebates that older high-tier cards used to get, including Amazon Prime, Expedia, Airbnb and X Premium reimbursements, and tightened the link between your CRO stake and your cashback rate. The plain version: rewards are now something you rent by keeping CRO locked, not something you own once you hit a tier.
The earlier September 2025 move let Plus and Pro holders pay a monthly or yearly subscription instead of staking, though anyone already staked can switch only after their 365-day lock ends. That lowers the upfront commitment but means you pay a recurring fee for the privilege. Neither change made the card cheaper to run. If anything, the effective cost of the rewards went up once you account for what was taken away.
Update, 13 October 2026: from 1 September 2026 Crypto.com charges a 2% foreign transaction fee on Midnight Blue (was 0.5%) and on Ruby, Royal Indigo and Jade Green spend abroad above S$600 and S$1,200 a month (was free), and the inactivity fee went from S$5 to S$6 a month. Because the card runs under the Payment Services Act, MAS caps how much e-money it can hold. Since 15 December 2023 MAS has allowed e-wallets to hold up to S$20,000 and send out up to S$100,000 a year, and Crypto.com applies both limits to the card wallet. Overseas ATM withdrawals have a separate Crypto.com limit of S$30,000 a calendar year (S$10,000 on Midnight Blue). The catch that surprises everyone: Singapore-resident cardholders cannot withdraw cash from a local Singapore ATM at all. Overseas ATMs work, up to that annual cap and your tier's monthly free allowance, after which a 2% fee applies.
Top-ups are free by debit card and carry a 1% admin fee by credit card, with a 2% fee for Apple Pay funding and a minimum top-up of S$20 (per Crypto.com's Singapore fees page, as of October 2026). The figures below are the SGD fees and limits Crypto.com publishes for Singapore-resident users; confirm the live numbers in the app's Fees and Limits section, since they vary by tier and change over time.
| Item | Figure |
|---|---|
| Wallet balance cap (MAS) | S$20,000 |
| Yearly spending and overseas ATM cap (MAS) | S$100,000 |
| Overseas ATM limit per calendar year (Crypto.com) | S$30,000 (S$10,000 on Midnight Blue) |
| Local Singapore ATM withdrawal | Not allowed |
| Top-up: debit / credit / Apple Pay | 0% / 1% / 2% |
| Minimum top-up | S$20 |
| Free overseas ATM/month (by tier) | S$200 to S$1,000 |
| ATM fee above free limit | 2% |
| Foreign transaction fee | 2% on Midnight Blue; Ruby free to S$600/month and Indigo/Jade to S$1,200/month, then 2%; none on higher tiers |
| Inactivity fee (after 12 months) | S$6/month |
Two things separate the advertised rate from what lands in your pocket. First, you stake real money in a volatile token. Lock S$6,500 of CRO for the Indigo tier and the token can fall well below that before you earn a cent of cashback, a loss that is entirely separate from any rewards. Crypto.com does pay a reward on the locked CRO from Royal Indigo up (3% a year at Indigo since 10 September 2026, down from 4%), but nothing at Ruby. Second, the cashback itself pays in CRO, so a '2.5%' rate is only 2.5% if the token holds its value from the day you earn it to the day you sell.
Run the maths on the Ruby Steel tier. You stake S$650 and spend USD 750 a month to use the whole reward allowance, which earns USD 11.25 in CRO a month, or USD 135 a year. That assumes you spend exactly to the cap every month and that CRO neither rises nor falls. A 20% drop in CRO takes S$130 off the stake, which cancels most of a year's rewards. Paying the S$59.90 yearly fee instead avoids the stake risk, but that fee comes straight off the same rewards. To stress-test what a locked, volatile balance does over time, model it in the compound interest calculator with a negative return and see how fast the downside compounds.
For most people, a Singapore-dollar cashback card with no token exposure is the cleaner comparison. Our cashback credit card guide lays out rates that pay in cash, not in a coin you have to time the market to monetise.
Applying is in-app: download Crypto.com, complete identity verification (NRIC or passport), choose your tier, stake the required CRO or start a subscription, and order the physical card once your virtual card is issued. The physical card costs S$4.99 on Midnight Blue and S$39.99 on Ruby for monthly subscribers in their first six months; it is free for Ruby annual subscribers or with an active stake. There is no income check or credit assessment because it is prepaid, so approval hinges on KYC and your stake, not your salary.
The card makes sense for someone already holding CRO who wants to spend crypto conveniently and is comfortable with the token risk, or a heavy traveller at a higher tier who values the lounge access and is spending enough to clear the caps. Royal Indigo includes lounge access only for annual subscribers, two visits a year, and from 1 September 2026 foreign spend on Ruby and Indigo above S$600 and S$1,200 a month costs 2%. It is a poor fit if you want a true rewards card for everyday local spend, want rewards in cash, or expect it to behave like a credit card. If a Visa you can use abroad with transparent FX is the real goal, weigh it against a multi-currency option in our Revolut card breakdown before you lock up any CRO.
No. It is a prepaid Visa card loaded from your Crypto.com app wallet, regulated under the Payment Services Act. There is no borrowing, no interest, and no credit-bureau reporting, so it will not help or hurt your Singapore credit score the way a real credit card does.
The free Midnight Blue tier earns 0%. As of October 2026, Ruby Steel needs S$650 of CRO staked for 12 months for 1.5% cashback, Royal Indigo needs S$6,500 for 2.5%, Rose Gold needs S$65,000 for 3.5% and Obsidian needs S$650,000 for 4.5%. Ruby and Indigo can instead be paid for at S$5.99 or S$39.99 a month. Stake figures are quoted in SGD and the token quantity shifts with CRO's price.
No. Singapore-resident cardholders cannot make local ATM withdrawals because of the card's Payment Services Act terms. You can still withdraw at overseas ATMs, up to Crypto.com's yearly overseas limit of S$30,000 (S$10,000 on Midnight Blue), with a 2% fee once you pass your tier's monthly free allowance.
It depends on CRO's price and how much you spend. Cashback is paid in CRO and only applies to the first USD 750 of monthly spend at Ruby and USD 1,500 at Indigo, and you must keep the stake locked or keep paying the subscription. If CRO falls, the loss on your staked tokens can outweigh the rewards, so a plain SGD cashback card is often the safer return.
This is general financial information for Singapore, not personal financial advice. Figures change, so verify current rates against the official sources above before acting. See our full disclaimer.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).