What is the UPay Card and how does it work?

The UPay Card is a crypto‑enabled payment card that lets you spend your digital assets like Bitcoin, Ethereum, or USDT at merchants, online or offline, by converting crypto to traditional currency at the point of sale. You top up your UPay Wallet with crypto and use the card for everyday spending just like a normal debit/credit card.

What do I need to do to get a UPay Card?

To get a UPay Card, you first create an account on UPay, complete identity verification (KYC), then apply for a virtual or physical card through the app/website. After approval and funding your wallet with crypto, you can start using the card.

Where can I use my UPay Card?

The UPay Card is designed to be accepted worldwide wherever major card networks are supported — online stores, physical merchants, and ATM cash withdrawals (for physical cards). It uses established payment rails so you can shop or withdraw cash across regions.

What should I do if I have a problem with my card or wallet?

If you run into issues such as deposit delays, transaction failures, or KYC verification problems, UPay’s official Help Center has a dedicated FAQ section that covers wallet deposits, card setup, troubleshooting payments, and verification guidance.

UPAY CARD (PREMIER VIRTUAL)

Status: Active

Issued by Upay

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PREMIER VIRTUAL

Card Overview

Custody Type

custodial

Card Type

debit

Material

Virtual & Plastic

KYC

Standard

Pros

Multi-blockchain support

Operates In Multiple Regions

Instant Transaction

Pay Directly With Crypto, No Conversion

Credit-Mode

Cons

No Free Card

1.5% Fx Fee

Custodial Wallet

Cashback Currently Unavailable

Does Not Offer IBAN

ATM/daily limits not provided

Rewards & Staking

Max Cashback

No cashback rewards

On eligible purchases

Reward Token

N/A

Paid out monthly

Staking APY

N/A

On staked assets

Reward specifics

Boost Multiplier N/A

Monthly Cap N/A

Payout Frequency N/A

Welcome Bonus N/A

Referral Bonus N/A

Bonus APR N/A

Bonus Token N/A

Staking & Requirements

Required Token N/A

Min Stake Amount N/A

Fiat Value Req N/A

Lock-up Period N/A

Downgrade Penalty N/A

Supported Assets

Chains

BITCOIN

ETHEREUM

TRON

Card Options

Virtual Card: Instant digital issuance

Virtual Card

Issuance $32

Replacement N/A

Physical Card

Material Plastic

Issuance $98

Shipping Free

Replacement N/A

Lifestyle & Perks

Not Offered

Airport Lounge

Not Offered

Crypto Events Shuttle

Not Offered

Airport Transfers

Not Offered

Priority Boarding

Not Offered

Esim

Not Offered

Concierge Services

Not Offered

Golf Access

Not Offered

Fitness Membership

Not Offered

Exclusive Club

Not Offered

Exclusive Merch

Not Offered

Nft Drops

Not Offered

Crypto Token Deals

Fees & Limits

Fee Schedule

Fee Structure N/A

FX Fee 1.5%

ATM Withdrawal N/A

ATM (Domestic) N/A

ATM (Intl) N/A

Fee After Limit N/A

Inactivity Fee N/A

Top Up Fee N/A

Liquidation Fee N/A

Custody Fee N/A

Usage Limits & requirements

Daily Spend Limit N/A

Monthly Spend Limit N/A

ATM Withdrawal Limit N/A

Free ATM Limit N/A

Max Balance N/A

Min Balance N/A

Top Up Limits N/A

Technical Features

Integrations

Security

2FA Support

Biometric Auth

Card Freeze

Transaction Notifications

Dynamic CVV

Merchant Blocking

App & Usability

Spending Analytics

PIN Change in App

Spending Limits Control

Subscription Management

Budgeting Tools

Smartwatch Support

Recuring Payment Control

Dispute Filing

Receipt Capture

Split Bill

ATM Locator

Advanced & Global

Multi-currency Wallet

Crypto Auto-convert

Round-up Savings

QR Payments

Offline Mode

Carbon Tracking

Instant Card Details

Crypto Capabilities

Yield on Collateral

On-Chain History

Governance Rights

Credit Scoring

Banking & On-Ramp

Banking Features

Virtual Bank Account No

Account Type N/A

Direct Deposit No

Bill Pay No

Instant Issuance No

Self Custody No

Dual Mode (Switch) No

Funding & Withdrawals

On Ramp

Not Available

Off Ramp

Not Available

Operations & Support

Support Channels

Support Tier N/A

Support Type N/A

Hours N/A

Dedicated Manager No

Response SLA N/A

Geographic Availability

KYC Requirements

Standard

Email ID

Required

Phone Number

Required

Government ID

Required

Home Address

Required

Bank Statements

Not Required

Geographic Availability

Available

Not available

49 countries

View country list (49 countries)

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Markets where this card can be used. Hover red regions for the restriction reason.

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Quick Answers

Frequently asked questions about UPAY CARD (PREMIER VIRTUAL)

Direct answers to the questions people ask most before they compare or apply for this card.

Verification Pending This card's details are not verified and may be out of date. We are working with the provider to update them as soon as possible.

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