Singapore has a counterintuitive position in these products: it appears on both supported-market and card-issuance-restriction lists, often for different versions of a product.
Our review found Singapore explicitly listed for ether.fi Cash, Ethena Pay, Exa Card, Avici Card, and Oobit Card. RedotPay, by contrast, includes Singapore on its current issuance-restriction list. Different conclusions for the same country often reflect different issuing entities: a Singapore-facing version may be issued by another licensed institution, with different fees and limits.
So the first step when choosing a card in Singapore is not comparing fees; it is confirming which issuer and regional version the terms you are reading apply to.
Cards with Singapore eligibility statements
| Card | Official market statement | KYC | Main published fees | Notes |
|---|---|---|---|---|
| ether.fi Cash | Singapore is on the official supported list. | Required | About 1% base FX on non-USD/EUR spending, plus a membership surcharge. | Current membership page lists $60 including delivery for the Core physical card. |
| Ethena Pay | Singapore appears in the jurisdiction terms. | Required | About 1% card-network FX on non-USD spending; no additional Ethena markup. | Eligible non-US persons only. |
| Exa Card | Singapore appears on the eligibility page. | Required | Free issuance; 1.5% FX on non-USD transactions. | Visa acceptance in 180+ countries does not mean applicants from every country qualify. |
| Avici Card | Singapore is officially supported. | Required | First Platinum virtual card: $15; 0% FX markup on spending. | A 0.4%–1% Visa cross-border fee may still apply. |
| Oobit Card | Singapore is among its compliant Asian markets. | Required | No issuance or monthly fee; 1% transaction fee per card purchase (minimum $0.25). | 2.5% for contactless ATM withdrawals. |
| Reap Card | For businesses registered in Singapore and other markets. | Required | About 1.95%–2% FX on cross-border spending in a non-local currency. | Businesses completing KYB only; individuals cannot apply. |
| RedotPay | Singapore is on the issuance-restriction list. | Required | Virtual card $10; physical card $100. | Singapore residents should not currently treat this as an available application option. |
Why one country can have two different eligibility results
These cards are usually not issued by the crypto company itself. They are offered through Banking-as-a-Service providers and licensed card issuers. A brand may connect to different issuers in different markets, each with its own license and jurisdiction.
The result is that a brand may say “Singapore supported” while a specific card program excludes Singapore. We preserve this difference rather than collapsing it into one general conclusion.
Use this simple check:
- Open the actual application flow in the app and check its eligible-market list, rather than relying on the website's marketing page.
- Find the issuing entity's name in the card agreement or terms, then check whether it is licensed for your market.
- Confirm that the fee schedule matches your residence; limits and rates often vary by region.
Checks for applicants in Singapore
- Proof of residence: most products require proof of address. Work-pass, student-pass, permanent-resident, and citizen status may be treated differently.
- Tax residence: applicants are usually asked to declare their tax residence when opening an account; this is relevant to CRS information exchange.
- Settlement currency: everyday spending in Singapore is in SGD; a card settling in USD converts SGD to USD for each transaction.
- ATM withdrawals: local Singapore ATMs may charge fees for foreign cards. Combined with the card provider's fee, total costs can be much higher than paying by card.
- Subscriptions: if your main use is AI subscriptions or overseas SaaS, review evidence of Stripe compatibility before comparing cashback rates.
Frequently Asked Questions
Can Singapore residents use RedotPay?
The materials we reviewed include Singapore on RedotPay's current issuance-restriction list. This could change in the future, but it should not currently be treated as an application option. Check the actual application flow in the app.
Can an individual apply for Reap Card?
No. Reap Card is for companies registered in Hong Kong, Singapore, and other compliant jurisdictions. It requires KYB and is not available to individuals without a company.
How much does spending with a stablecoin card in Singapore cost?
It depends on the card's settlement currency. If the card settles in USD and you pay a Singapore merchant in SGD, costs may include the network FX spread (about 0.4%–1%) plus an issuer FX markup (0%–1.5% in the products we reviewed). Check the official fee schedule for the card; we do not provide a fixed figure without confirmation.