Why DeCard Makes Spending Simple

Traditionally, converting stablecoins into usable currency involves multiple steps:

1. Tranfer coins from your wallet to an exchange
2. Convert coins into local currency
3. Withdraw funds to a bank account

Each step takes time and may incur fees, especially for users who earn or hold stablecoins regularly. 

DeCard streamlines this process by allowing you to spend stablecoins directly at merchants worldwide, with no conversion hassle and exceptionally low FX rates. Whether it's paying for a meal, picking up groceries, or traveling abroad, your stablecoins are ready to use instantly.

To accommodate different spending habits and lifestyles, DeCard offers two card options:

• DeCard, designed for practical every spending
• DeCard Luminaries, built for Web3 visionaries seeking premium perks, elevated experiences, and enhanced rewards, all built on the same foundation

DeCard: Everyday Stablecoin Spending

DeCard is built for users who want a clean, practical way to spend their stablecoins in the real world.

Key features

• Pay for dining, shopping, travel, and more with your stablecoins (USDT/USDC)
• No annual fee
• Exceptionally low FX fees
• Accepted worldwide for purchases and ATM withdrawals
• Easily manage your DeCard any time in-app or on our mobile-friendly site

DePoints: Rewards for everyday spending

DeCard also rewards users through DePoints:

• Earn 1 DePoint for every US$1 spent
• Redeem DePoints for a variety of rewards, including cash, travel, dining, lifestyle perks, and exclusive offers

More details on DePoints can be found here.

DeCard Luminaries: Premium Experiences and Exclusive Rewards

DeCard Luminaries is a premium evolution of DeCard, built for users seeking premium experiences and rewards.

Key features

• Tiered cashback up to 10%, capped at US$200 per month
  • First US$2,000 spent: 2% cashback
  • Next US$3,000 spent: 3% cashback
  • Above US$5,000 spent: 10% cashback
• Higher spending limits
• 2 complimentary airport lounge visits via DragonPass
• Travel insurance up to US$1,000,000 when airfare is charged to the card
• Visa Infinite card benefits, including 24/7 concierge support

DeCard Luminaries metal card

For users who want a premium touch, DeCard Luminaries is available as a metal card. Crafted from a precision-engineered 22-gram metal alloy and finished with personalized laser engraving, every detail reflects the sophistication behind DeCard Luminaries.

Umy Diamond Membership

DeCard Luminaries users also enjoy an upgrade to Umy Diamond Membership, a Web3 travel platform offering global hotel and flight bookings:

• 5% discount on hotel bookings
• 1 point earned per US$1 spent
• Dedicated customer service
• Bonus coupons for new users and spending thresholds

More details on the Umy Diamond Membership can be found here.

Choosing the Right DeCard for You

Both cards offer simple, seamless stablecoin spending at merchants globally, with low FX rates and no conversion hassle.

The choice depends on the value you want from your card. For straightforward, everyday spending, the regular DeCard fits perfectly. If you're after a premium experience with enhanced rewards and benefits, DeCard Luminaries is the one to go for.

FAQ

• What is the main difference between DeCard and DeCard Luminaries?
  • DeCard focuses on practical, everyday spending and rewards users with DePoints, redeemable in the DePoints catalog, with no annual fee. DeCard Luminaries builds on this foundation — it is an evolution of DeCard designed for the visionaries of Web3, unlocking exclusive privileges, elevated experiences, and limitless possibilities. DeCard Luminaries carries a US$388 annual fee and offers tiered cashback along with a range of travel perks, delivering an overall premium experience.
     
• Can I earn rewards with both cards?
  • DeCard users earn DePoints for every US$1 spent, which can be redeemed for cash, travel, dining, and other lifestyle rewards. DeCard Luminaries users enjoy tiered cashback and additional travel benefits, including complimentary airport lounge visits, travel insurance, concierge services, and more.
     
• Is there an annual fee for DeCard?
  • There is no annual fee for DeCard. DeCard Luminaries carries an annual fee of US$388, and this annual fee cannot be waived.
     
• Can I upgrade from DeCard to DeCard Luminaries later?
  • Yes you can. Users can apply for DeCard Luminaries separately when they wish to enjoy the premium rewards and benefits.

Special Welcome Offers

No matter which card suits your lifestyle, getting started has never been easier and more rewarding. 

• All new DeCard and DeCard Luminaries users will receive a S$5 welcome bonus upon successful registration. T&Cs apply. More details here.
• Additionally, new DeCard Luminaries users can select a premium welcome gift:
  • A bottle of vintage wine worth S$300 (Singapore delivery only), or
  • 3 additional complimentary airport lounge visits via DragonPass worth US$105
  • T&Cs apply. More details here.

Click here to start your DeCard journey today, and spend your stablecoins seamlessly!