DiCard
DigiFinex · Mastercard
The advertised figure holds up: nothing is lost along the way here.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
Data verified on unchanged since personalise the calc the sources
DiCard is the Mastercard crypto card from the DigiFinex exchange, letting users spend crypto without manual fiat conversion and earning points redeemable for USDT (100 points = 1 USDT, roughly 1% cashback). Offered in Lite and Premier tiers with a 5 USD issuance fee and no annual fee. The FX spread is not publicly documented: no foreign-exchange markup is stated. The card does not support ATM withdrawals. Funds remain custodial with DigiFinex, a Seychelles-registered exchange.
Data & conditions
| Network | Mastercard |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | €5 |
| Annual fee | Free |
| ATM withdrawal | not declared |
| FX markup | 0% |
| Cashback | 1% in USDT · Nessuno |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | UK, EEA, LATAM, APAC · 150+ countries |
| Funding / solidity | DIGIFINEX LIMITED è l'entità legale dietro DigiFinex, exchange di criptovalute fondato nel 2017 e registrato alle Seychelles. Opera in oltre 150 paesi escludendo mercati come Stati Uniti, Singapore, Canada e Cina. |
| Estimated net annual cost | €0/year |
| Regulator | FSA (Financial Services Authority) delle Seychelles |
| Segment | B2C |
| Funding / solidity | DIGIFINEX LIMITED is the legal entity behind DigiFinex, a cryptocurrency exchange founded in 2017 and registered in Seychelles. It operates in more than 150 countries, excluding markets such as the United States, Singapore, Canada and China. |
| MiCA / License status | DigiFinex is registered in Seychelles, a jurisdiction that since 2024 requires a VASP licence from the FSA for virtual-asset services. The exchange's regulatory standing has been flagged as irregular by third-party sources and no EU payments licences are on record. |
Plans & pricing
Strengths
- 1% cashback in points redeemable for USDT, no staking required.
- No annual fee and a low issuance fee (5 USD).
- Virtual Mastercard with instant issuance.
- No notable sovereignty advantage documented.
Weaknesses
- Custodial: funds stay with DigiFinex, a Seychelles-based exchange.
- No ATM withdrawals allowed.
- FX spread not publicly documented and team not independently verified by third parties.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (DigiFinex is registered in Seychelles, a jurisdiction that since 2024 requires a VASP licence from the FSA for virtual-asset services. The exchange's regulatory standing has been flagged as irregular by third-party sources and no EU payments licences are on record.): reporting to authorities and freezes on order.
Verdict
Low protection: funds are held by DigiFinex, an exchange registered in Seychelles with a weak regulatory framework and no European payments licence. There are no guarantee schemes protecting customers if the issuer fails.
Very low sovereignty: a fully custodial card with mandatory full KYC, funds under the exchange's control and no self-custody option.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used DiCard, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
History not verifiedWe have not yet completed the incident search for this service: no entries here does not mean no events.
Public reviews
-
Google Play ↗
2.8/5
3,247 reviews
JSON-LD structured data of the Google Play page (com.digifinex.app): ratingValue 2.769, ratingCount 3247. Count taken from structured data, not the visible label. This too covers the exchange app, not DiCard alone.
-
App Store ↗
3.3/5
59 reviews
Rating of the 'DigiFinex - crypto exchange' app (id 1397735851, US storefront) via the iTunes lookup API: 3.31 average across 59 ratings. Refers to the DigiFinex exchange app as a whole, not to the DiCard product alone.
Weighted average across 2 public review platforms (3,306 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Who issues the DiCard?
DiCard is issued within the DigiFinex ecosystem (DIGIFINEX LIMITED, registered in Seychelles) and is a Mastercard product.
How does DiCard cashback work?
The card credits points worth about 1% of spend, at a ratio of 100 points = 1 USDT. No staking is required.
Sources
- support.digifinex.com Card issuance fee · Annual card fee · Cashback · Plans & pricing Data verified on Jul 10, 2026
- cryptovanguards.com Paesi num · Italia disponibile Data verified on Jun 23, 2026
- wikibit.com Regulator · Regulatory framework · Azienda info Data verified on Jun 23, 2026
- crunchbase.com Legal name · Registered office · Founded Data verified on Jun 22, 2026
Show 1 more source
- todey.xyz Payment network · Custodial · Regioni · Kyc · +2 Data verified on Jun 22, 2026