The issuer lists 24 unsupported regions: 9 in Africa, 8 in Asia, plus Belarus, Russia, Ukraine, Cuba, Haiti, Nicaragua and Venezuela.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Card price: Basic virtual card $90 one-off (including $10 of balance), Plus virtual card $100, physical card $500. Rate table: 2% top-up (2.5% for Plus), transaction fee $0.35 + 1.5% (virtual) or $0.10 + 1.5% (physical), 1.5% FX, 2% ATM on the physical card; the official “Total (Percentage Fees)” row of 5.0% (5.5% for Plus, 7.0% including ATM) is only a percentage-fee subtotal and excludes the fixed per-transaction fee.
- Debit / Deduction Model
- One-time purchase with stablecoin top-up: USDT or USDC is loaded to the card balance and spent, with the card itself paid for once by tier and no subscription
Application Eligibility & KYC
- KYC Identity Verification
- Not stated by the provider. The official page does not use the word KYC, saying only "Minimal data collection. We only ask for what is strictly necessary"; the issuer also does not say whether identity verification is required or which documents are accepted. This site records it as "the issuer does not say" and does not write it up as no identity verification.
- Officially supported countries and regions
- The issuer lists 24 unsupported regions: 9 in Africa, 8 in Asia, plus Belarus, Russia, Ukraine, Cuba, Haiti, Nicaragua and Venezuela.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Not published by the issuer: the page only says "Accepted worldwide wherever major card networks are supported" and does not name a card network
- Issuer Arrangement / Payment Rails
- The issuer does not publish the issuing institution or BIN ownership; funds are held by a "licensed and regulated custody partner". The card BIN is not public, and this page does not speculate about it.
- Apple Pay / Google Pay
- The issuer's card feature list gives Google Pay and Apple Pay as features common to all three card types.
- Overseas AI Subscriptions
- The issuer says nothing about AI subscriptions; the card can be used for online purchases, but whether a charge goes through depends on the merchant gateway, so the actual charge result is what counts.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- The issuer does not publish a cashback rate. The referral reward on the page is a fixed amount ($5 per order for virtual cards, $30 per order for physical cards); it is an acquisition reward, not spend cashback.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Detailed Facts
- The issuer's own total is 5% to 7%
- The bottom of the rate table says “Total (Percentage Fees)”: virtual card 5.0% (Plus 5.5%), physical card 5.0% (7.0% including ATM). That row only adds up percentage fees and excludes the fixed per-transaction fee ($0.35 for virtual, $0.10 for physical), so the actual effective cost is higher and varies with transaction size. [1]
- The card has to be bought outright
- Virtual Basic is $90 (including $10 of credit), Plus $100 and physical $500. There is no monthly fee, but the upfront cost is far higher than subscription-based cards of the same kind, which suits low-frequency users who want a one-time purchase and do not want to be tied to a monthly fee. [1]
- Prohibited uses include buying crypto and petrol
- The terms list Cryptocurrency Purchases, Gambling, Sports Betting, Petrol, Military Supply, Gaming Credits and others as prohibited uses. The ban on buying crypto rules out using the card to top up other platforms. [1]
- Self-custodial and custodian-partner statements coexist
- One part of the page says "Self-Custodial — You stay in full control. Load only what you need", and another says "Your funds are held by our licensed and regulated custodian partners". The two statements contradict each other; this site records both side by side and does not choose for the issuer. [1]
- The issuer does not address KYC
- The issuer says only "Minimal data collection", never uses the word KYC and does not say whether identity verification is required. This site records it as "the issuer does not say" and does not infer that no identity check applies. [1]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- The issuer does not publish this
- Issuer arrangement / BIN
- The issuer does not publish the issuing institution or BIN ownership; funds are held by a "licensed and regulated custody partner". The card BIN is not public, and this page does not speculate about it.
- Apple Pay
- ✅ Explicitly stated in official materials: The issuer's card feature list gives Google Pay and Apple Pay as features common to all three card types.
- Google Pay
- ✅ Explicitly stated in official materials: The same list includes Google Pay; actual availability still depends on wallet support in the user's region.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: The issuer says nothing about AI subscriptions; the card can be used for online purchases, but whether a charge goes through depends on the merchant gateway, so the actual charge result is what counts.
Compatibility information for this card was verified on 2026-10-30 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 230 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- Web app at app.agora.cards (no store app)
- Web Portal Support
- Web Portal / PWA Only — Register with an email address at app.agora.cards and manage the card there; there is no store app
- Apple App Store
- No iOS App
- Google Play
- No Google Play App
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
No Explicit Data Rights Clauses Found
There is no privacy policy or terms of service (agora.cards/privacy, /terms and the corresponding pages on the app subdomain all return 404); only llms-full.txt states that KYC is not required, sign-up is by email, and funds on the card are held by a "licensed and regulated custodian"
- Official Privacy Policy
- —
- Data Retention
- Not Publicly Disclosed
- App Store Privacy Label
- —
- Google Play Data Safety
- —
- Account Deletion Flow
-
Does not publish a deletion or account-closure method
Verified on 2026-10-24. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
High cost, but the best disclosure in its category
A percentage fee starting at 5% is high for this category, and it still excludes the fixed per-transaction fee; the issuer publishes every rate and the percentage subtotal, so readers can check the arithmetic themselves. That level of disclosure is rare among the cards we list; the point of including it is comparability, not a recommendation. [1]
Where the outright-purchase model fits
An outright purchase means no subscription and no monthly maintenance fee, which suits users who need a card only for a short period and do not want a subscription on record. But with card prices from $90 plus a 5% fee rate, the cost only spreads thin if spending is large enough. [1]
Frequently asked questions
How much does Agora Card cost?
Virtual Basic $90 one-time (including $10 of credit), virtual Plus $100, physical $500; no monthly fee.
What is Agora Card's total cost?
The official “Total (Percentage Fees)” row is 5.0% for the virtual card (5.5% for Plus) and 5.0% for the physical card (7.0% including ATM), but that row contains only percentage fees and excludes the fixed part of each transaction charge ($0.35 + 1.5% for virtual, $0.10 + 1.5% for physical); the actual effective cost varies with transaction size.
Can Agora Card be used to buy cryptocurrency?
No. The terms list Cryptocurrency Purchases as a prohibited use; gambling, sports betting and petrol are on the prohibited list as well.
Agora Card: Is identity verification required?
The official page never uses the word KYC, says only "Minimal data collection" and does not say whether identity verification is required; this site records it as "the issuer does not say".
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of Agora Card on X; search results may change over time.
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