Crypto.Com Card Benefits Review

So, you heard about the popularity of the Crypto card and became curious about how great it is. The short answer is that it is an excellent crypto card with great benefits. But if you want a detailed answer, read along with this card benefits review to learn them all. We’ll also discuss its different types and some limitations. So, let’s get into the details.

What is a Crypto.Com Card?

The card is a prepaid VISA debit card that can be loaded in fiat and cryptocurrencies. It is linked with a account, enabling users to spend their crypto worldwide without converting it into fiat or cashing out. So, you can use the card for multiple purposes, like shopping, transactions, payments, subscriptions, and more.

Since you don’t need to convert the crypto into fiat before using it, the card automatically converts it on your behalf, allowing you to make instant transactions. Remember, it converts it according to the current market value, so keep a vague idea about the market price to understand whether the product falls under your budget.

The card is also famous among over 80 million registered platform users, and the reason is mainly due to the card’s multiple perks. So, let’s take a quick look at the card benefits review.

How to Get a Card?

Before we get into the card benefits review, let’s discuss how you can obtain it. The signup process is simple and relatively quick. Follow the steps below to get your metal card in a shot duration:

  1. Go to your phone’s application store and download the Crypto.Com mobile app. You can only register via the app, so this step is essential.
  2. Signup on the platform by entering your email address and password.
  3. Next, complete the KYC verification. Provide basic and personal information to be verified on the platform. Also, fill in the correct address section, as the card will be delivered to your doorstep.
  4. Get Cronos (CRO) in your account enough to buy a specific card type to lock them for 180 days.
  5. Select the card you want to order. Enter the delivery address and confirm your order.
  6. The team will deliver the card to your house. Usually, it will take 1-2 weeks. But in Singapore, it is delivered within a week; in some regions, it can take up to three weeks.

Crypto.Com Card Categories

Crypto.Com VISA cards are categorized into five different categories. Each category has its perks according to a person’s usage and budget. The lowest category is Midnight Blue, while the highest type is Obsidian. Below are the highlighted perks of each type in our Crypto.Com card benefits review.

Midnight Blue

  • It doesn’t have any CRO lockup.
  • It doesn’t have any CRO rewards.
  • The ATM withdrawal limit is $5,000 per month.

Ruby Steel

  • It requires a CRO lockup of $400.
  • The CRO reward is only 1%.
  • The monthly CRO reward cap is $25.
  • It provides a Spotify subscription for up to 6 months.
  • The ATM withdrawal limit is $10,000.

Royal Indigo & Jade Green

  • You must hold $4,000 worth of CRO for 180 days.
  • You get 2% CRO rewards on staking.
  • The monthly cap is $50 on CRO rewards.
  • It provides Spotify & Netflix subscriptions for up to 6 months.
  • The ATM withdrawal limit is $10,000.
  • You get $800 worth of ATM withdrawals free of charge.

Frosted Rose Gold & Icy White

  • You must hold $40,000 worth of CRO for 180 days.
  • You will get a 3% CRO reward on the staking.
  • There’s no reward cap which means your profit will keep adding. You can use a profit calculator to estimate the values.
  • They offer multiple subscription perks, like Spotify, Netflix, Amazon Prime, Expedia, and Airbnb.
  • You can have special airport lounge access for up to one more guest.
  • The ATM withdrawal limit is $10,000 per month.


  • It has a CRO lockup limit of up to $400,000 for six months.
  • The CRO reward is up to 5% without any monthly cap.
  • It also provides subscription benefits to Spotify, Amazon Prime, Netflix, Expedia, and Airbnb.
  • Other perks include airport lounge access (with one extra guest), private reward, exclusive merchandise welcome pack, and a private jet partnership.
  • It shares the ATM monthly withdrawals with the Rose Gold and Icy White category, i.e., a $10,000 monthly limit with $1,000 without a fee.

Crypto.Com Card Benefits Review

Now, it’s time for the card benefits review. Below, we’ve discussed the top perks of the card that you will get on the platform.

1.     Crypto Rewards

You will receive rewards when you stake CRO or purchase using the Crypto.Com card above the Ruby Steel category. Usually, the higher-level cards are a better choice since the lower two tiers have monthly caps. However, these rewards encourage people to stake and purchase more. A quick recap of these rewards is as follows:

  • Ruby Steel: 1% (the monthly cap is $25)
  • Royal Indigo & Jade Green: 2% (the monthly cap is $50)
  • Frosted Rose Gold & Icy White: 3% back
  • Obsidian: 5% (maximum)

2.     Reimbursement

Each card provides free monthly subscriptions on streaming platforms like Netflix, Amazon Prime, and Spotify. These reimbursements are different for each card type. However, they cover a specific limit, around $14 for Netflix and Spotify and $15 for Prime.

Ruby Steel supports only the Spotify subscription for six months. On the other hand, Jade Green /Royal Indigo also support Netflix with Spotify for six months. The other two (Frosted Rose Gold, Obsidian, and Icy White) have unlimited support and include Amazon Prime in the plan.

3.     Easy Crypto Payments

You can conveniently make crypto payments worldwide using the card. The card connects to your digital wallet and automatically converts the crypto coins to fiat currencies of that particular region. So, let’s say you buy something in the US using a card. It doesn’t matter if you have BTC, USDT, LTC, or DOGE in your wallet. The purchase will always be in USD.

4.     No Fee

One of the significant advantages of the Crypto.Com card benefits review, you don’t need to worry about paying additional charges like maintenance fees. Several cards charge you monthly or yearly maintenance fees, which only adds to the misery. However, each of Crypto.Com card doesn’t have such billing.

5.     Free ATM Withdrawals

You can also cash out the crypto from any ATM around the world. On the one hand, the withdrawal limits are high enough; on the other hand, the platform offers a part of the withdrawal free of charge every month. Below is the breakdown of the free withdrawals according to the card type:

  • Midnight Blue: 200 USD
  • Ruby Steel: 400 USD
  • Royal Indigo / Jade Green: 800 USD
  • Frosted Rose Gold / Icy White: 1,000 USD
  • Obsidian: 1,000 USD

After you reach your limits, each ATM withdrawal will cost you a 2% fee for every transaction. So, even the fee is not that high and doesn’t refrain users from going to ATMs.

6.     Travelling Ease

The top card categories grant you a special LoungeKey, unlimited access to relaxing airport lounges. It is accessible to more than 1,100 lounges from 500+ airports. Although some other credit cards offer access to even better airport lounges, they charge a hefty annual fee.

Furthermore, you can get spending credits from the top two cards (Gold, White & Obsidian) on platforms like Airbnb and Expedia. These credits are 10% of purchases. But the monthly limit is $100 for Airbnb and $50 for Expedia.


Although the Crypto.Com cards provide multiple benefits, it also has some limitations. A few of them are discussed below:

  • It may be offering different rewards, but it lacks signup bonuses. These bonuses behave as a token of motivation to the users to attract more users while providing value. However, doesn’t have any.
  • Again, it has many rewards, but the merchants are not great enough. Other crypto card providers offer better merchants but are limited on this platform. Moreover, these rewards also don’t include business or personal insurance policies.
  • Although the higher cards have high enough limits, the lower ones are significantly low in limits. For instance, Midnight Blue only supports the maximum balance of $25,000 and allows only $15,000 worth of purchases monthly. On the other hand, the reward cap on level 1 and 2 cards are only $25 and $50, respectively (which is too low).
  • The staking requirement is a prominent limitation that lowers the Crypto.Com card benefits review. You must stake a certain amount of CRO for 180 days to unlock most card features. But it would help if you kept them staked, depending on the card type.
  • It also has another limitation. Since CRO is an average cryptocurrency instead being a stablecoin, it is susceptible to the volatile nature of the crypto world. And since you need to lock your CRO for six months, your (say) $4,000 CRO staking may be worth $2,000 (or less) after this time.

Final Verdict

Crypto.Com VISA cards have gained quite an audience due to multiple perks. They offer sufficient card limits, premium subscriptions, airport lounge access, no maintenance fee, and free ATM withdrawals. Although it also has some limitations, each type is overall a decent pick. So, if you find this Crypto.Com card benefits review helpful, go and apply for the card.
There are always other great alternatives, such as the PlasBit crypto debit card, so you can always research before choosing your card provider.

Crypto.Com Card Benefits Review