Unavailable in 19 regions, including mainland China, Russia and Ukraine; the operating entity BKJ PAYMENT INC is registered in Canada and regulated by FINTRAC (MSB C10001249); cards are issued by licensed partner institutions in each region.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Virtual card issuance $10, physical card issuance $100; no monthly or annual fee. Spending in non-card currencies costs 1% to 1.5%, and Singapore cards carry an extra 1% transaction fee. The ATM withdrawal fee and top-up fee are not published by the issuer.
- Debit / Deduction Model
- Stablecoin top-up with real-time conversion: USDT or USDC is deposited on-chain and converted to fiat at the live rate, then spent online and in stores
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. The issuer's FAQ describes the application process as: download the BKJ App, complete registration and KYC verification, and once approved apply for and use the virtual card. The issuer does not list which documents are accepted or which countries are eligible.
- Officially supported countries and regions
- Unavailable in 19 regions, including mainland China, Russia and Ukraine; the operating entity BKJ PAYMENT INC is registered in Canada and regulated by FINTRAC (MSB C10001249); cards are issued by licensed partner institutions in each region.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- The BINs belong to different card networks and issuing locations: Singapore Visa virtual card (449924), US Mastercard (537100), Hong Kong Visa (493875), Singapore Visa physical card (493724); the home page and card page do not name them, and the information is in the help centre
- Issuer Arrangement / Payment Rails
- BKJ PAYMENT INC (registered in Canada, FINTRAC MSB C10001249); cards are issued by licensed partner institutions in each region by BIN. The card BIN is not published, and this page does not speculate about a specific BIN.
- Apple Pay / Google Pay
- The issuer's card page does not name Apple Pay or Google Pay; it only says the card can be used online and in stores wherever major credit cards are accepted.
- 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 5 USD shown on the page is a new-user sign-up reward ("Sign Up to Claim 5 USD"), an acquisition promotion, 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 card network is set out by BIN in the help centre
- The home page and card page say only that it can be used "in online and offline settings where major credit cards are accepted", without naming the card network; the help centre lists four cards by BIN: Singapore Visa virtual card (449924), US Mastercard (537100), Hong Kong Visa (493875), Singapore physical Visa (493724). Looking only at the home page, you would think the card network is not published. [1] [2]
- Issuance from $10; non-card-currency spending is charged an extra 1%–1.5%
- The help centre says virtual card issuance is $10 and physical card issuance $100, with no monthly or annual fee; spending in a non-card currency is charged 1% to 1.5%, and Singapore cards add a 1% transaction fee. The home page highlights only "zero annual fee" and gives no view of these items. [2]
- Top-up assets and chains
- The issuer says it supports top-ups in USDT and USDC, with Ethereum and Tron covered on-chain; funds are converted to fiat in real time for spending, and the card does not hold crypto assets. [1]
- The regulated entity is in Canada
- The footer states that BKJ PAYMENT INC is registered in Canada and regulated by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a money services business, licence number C10001249, permitted to carry on foreign exchange, money transfer, virtual currency and payment services; the card is issued by licensed partner institutions in each jurisdiction. [1] [2]
- The 5 USD is a sign-up reward
- The page says "Sign Up to Claim 5 USD" in several places; this is an acquisition reward. The issuer does not present it as spend cashback and does not publish a cashback rate. [1]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa and Mastercard (distinguished by BIN: Singapore Visa virtual card, US Mastercard, Hong Kong Visa, Singapore physical Visa)
- Issuer arrangement / BIN
- BKJ PAYMENT INC (registered in Canada, FINTRAC MSB C10001249); cards are issued by licensed partner institutions in each region by BIN. The card BIN is not published, and this page does not speculate about a specific BIN.
- Apple Pay
- — Not specified by official sources: The issuer's card page does not name Apple Pay or Google Pay; it only says the card can be used online and in stores wherever major credit cards are accepted.
- Google Pay
- — Not specified by official sources: The same page does not name Google Pay; the issuer does not publish a list of supported wallets.
- 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 2026-10-24 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
- BKJ: Crypto Card & Pay (BKJ TECHNOLOGY LIMITED)
- Web Portal Support
- Mobile App Only — bkj.com/sign is only an app download page, with no web registration or web management entry point
- Apple App Store
-
App Store Official Download ↗ Does not include mainland China; missing key markets: Turkey, the United States, Germany, France, Spain, Italy and the Netherlands
- Google Play
-
▶ Google Play Official Download ↗ All 174 storefronts (Google Play does not operate in Mainland China)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
General Data Rights / Regional Regulations
The privacy policy (2025-12-01) is written under Hong Kong's Personal Data (Privacy) Ordinance (PDPO): access and correction, opt out of direct marketing, withdraw consent, data portability; complaints go to compliance@bkj.com, acknowledged within 5 working days and answered in writing within 30 days, and if unsatisfied a complaint can be made to the Office of the Privacy Commissioner for Personal Data, Hong Kong; the terms of service are governed by Hong Kong law, with disputes referred to arbitration by the Hong Kong International Arbitration Centre (HKIAC)
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Transaction records and customer due diligence (CDD) materials are kept for at least 5 years
- App Store Privacy Label
- Claims "Data Not Collected"
- Google Play Data Safety
- No third-party data sharing; Claims no data collected; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
Apply by emailing support@bkj.com; there is currently no way to close a card yourself in the app; the Google Play data safety page says deletion can be requested
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.
The home page mentions only the zero annual fee; the fees are in the help centre
The card page stresses the physical card's zero annual fee, while the issuance fee and FX fee are in the help centre: virtual card $10, physical card $100, and 1%–1.5% for spending in non-card currencies. When comparing costs, spread the issuance fee over the period of use rather than looking only at the annual fee line. [2]
Money flow and the compliance boundary
Stablecoin top-ups are converted to fiat by the platform, and the card itself holds no crypto assets; the compliance entity is Canada's BKJ PAYMENT INC, and the cards are issued by locally licensed institutions by BIN. This means the party responsible in a dispute may differ by region, so you should confirm which issuer applies to you before applying. [1] [2]
Frequently asked questions
Is BKJ Card Visa or Mastercard?
Different card networks by BIN: Singapore Visa virtual card, US Mastercard, Hong Kong Visa and Singapore physical Visa. The home page and card page do not name them; the information is in the help centre.
What fees does BKJ Card charge?
Virtual card issuance $10, physical card issuance $100, with no monthly or annual fee; spending in a non-card currency is charged 1% to 1.5%, and Singapore cards add a 1% transaction fee.
Which currencies can be used to top up BKJ Card?
The issuer says USDT and USDC are supported, with Ethereum and Tron covered on-chain, and funds are converted to fiat in real time for spending after top-up.
Does BKJ Card hold a licence?
The footer states that BKJ PAYMENT INC is registered in Canada and holds FINTRAC money services business licence C10001249; the card is issued by licensed partner institutions in each region.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
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