DiCard
DigiFinex · Mastercard
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 (recorded here as 5 EUR for equivalence) and no annual fee. The FX spread (fx_markup_pct) is set to 0 because it is not publicly documented: the source does not state any foreign-exchange markup, so the real value remains unverified. The card does not support ATM withdrawals. Funds remain custodial with DigiFinex, a Seychelles-registered exchange.
The number that matters
The banner cashback isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
Data & conditions
| Network | Mastercard |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | €5 |
| Annual fee | Free |
| ATM withdrawal | Free |
| 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 e l'entita 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 flagged as unverified 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.
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
- cryptovanguards.com Paesi num · Italia disponibile Data verified on Jun 23, 2026
- support.digifinex.com Card issuance fee · Annual card fee · Cashback · Plans & pricing 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