Limited to residents of 9 APAC markets (Singapore, Australia, Japan, South Korea, Malaysia, Philippines, Taiwan, Thailand, Vietnam; C-suite executives or KOLs required)
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Luminaries physical metal card USD 388 annual fee (non-waivable); 0% cross-border FX fee (0% FX); global Visa ATM withdrawal fee SGD 5 or 1% (whichever is lower).
- Debit / Deduction Model
- D-Vault smart escrow settlement: deposited on-chain USDT/USDC backs credit lines, cleared and settled by Singapore MAS-regulated DCS Card Centre
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Complies with MAS AML guidelines; requires valid passport and Sumsub automated identity verification; open to eligible residents of Singapore, Australia, Japan, South Korea, Malaysia, Philippines, Taiwan, Thailand, and Vietnam, subject to verification as C-suite executives or KOLs.
- Officially supported countries and regions
- Limited to residents of 9 APAC markets (Singapore, Australia, Japan, South Korea, Malaysia, Philippines, Taiwan, Thailand, Vietnam; C-suite executives or KOLs required)
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (Visa Infinite physical metal and virtual cards, supports Apple Pay and Google Pay)
- Issuer Arrangement / Payment Rails
- DCS Card Centre (MAS-regulated licensed financial institution in Singapore) and Visa. Card BIN not disclosed; this page does not speculate on specific BINs.
- Apple Pay / Google Pay
- : Officially supports push provisioning to Apple Wallet, enabling tap-to-pay via iPhone and Apple Watch.
- Overseas AI Subscriptions
- : Supports international standard 3DS authentication, reliably supports ChatGPT Plus, Claude Pro, Midjourney, and other overseas subscriptions.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Advertised up to 10% cashback (capped at USD 200/month), earning 1 DePoint per US$1 spent; includes 2 DragonPass lounge passes and 24/7 Visa concierge.
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
- Issued directly by a Singapore MAS-regulated institution
- Issuer DCS Card Centre (formerly Diners Club Singapore) is strictly regulated under the Banking Act and Payment Services Act by the Monetary Authority of Singapore (MAS), providing robust legal and institutional safeguards for fund settlement. [1] [2]
- 0% FX markup for global spending
- Card spending incurs no additional foreign transaction fee (0% FX), settling losslessly at Visa international benchmark rates, ideal for global travel and high-value corporate procurement. [1]
- D-Vault smart asset escrow architecture
- User-deposited USDT and USDC are held in segregated D-Vault custody structures, strictly isolated from platform operating assets, triggering real-time bill deductions upon card spend. [1]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa Infinite
- Issuer arrangement / BIN
- DCS Card Centre (MAS-regulated licensed financial institution in Singapore) and Visa. Card BIN not disclosed; this page does not speculate on specific BINs.
- Apple Pay
- ✅ Explicitly stated in official materials: Officially supports push provisioning to Apple Wallet, enabling tap-to-pay via iPhone and Apple Watch.
- Google Pay
- ✅ Explicitly stated in official materials: Officially supports Google Wallet, compatible with Android NFC contactless offline payments.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: Supports international standard 3DS authentication, reliably supports ChatGPT Plus, Claude Pro, Midjourney, and other overseas subscriptions.
Compatibility information for this card was verified on 2026-10-18 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
- DCS DeCard (DCS Card Centre Pte Ltd)
- Web Portal Support
- Pending Verification — Help Center describes DeCard Hub as a mobile-optimized lightweight platform (including D-Vault) that can be added to the home screen, with support routes referencing DeCard Web or App; however, official onboarding and login links (thedecard.com/dcscc/en/signup, /login, etc.) currently redirect to the Luminaries mobile app download area, with no active web login portal; Luminaries application is documented to take place within the DeCard App.
- Apple App Store
-
App Store Official Download ↗ Excludes Mainland China; key missing markets: United States, United Kingdom.
- 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
DCS Card Centre Pte. Ltd. (Singapore) privacy policy under Singapore PDPA 2012: consent withdrawal permitted via written notice (may terminate service), with opt-out options for digital advertising, remarketing, and analytics; access, rectification, or removal requests directed to pdpa@dcscc.com; with consent, contacts and usage data shared with ad platforms, social media, marketing partners, credit bureaus, and affiliates; cross-border data transfers to affiliates pledged at PDPA-equivalent standards; no data portability or supervisory complaint channels specified; App Store privacy link opens Terms PDF rather than privacy policy.
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Retained only during fulfillment of collection purposes or as required by law/business; tax and accounting data retained per statutory mandates, followed by deletion, destruction, or de-identification; specific duration unstated.
- App Store Privacy Label
- Used for tracking: Contact info, Diagnostics, Identifiers, Usage data; Linked to you: 4 categories; Not linked: 1 category.
- Google Play Data Safety
- Shared: App activity, App info & performance, Personal info, Photos & videos; Collected: 8 categories; Deletion can be requested; Data encrypted in transit.
- Account Deletion Flow
-
Privacy policy and Help Center lack account deletion procedures; card cancellation only: contact customer service via Live Chat 90 days post-issuance; card immediately deactivated upon cancellation, reapplication permitted; data erasure requests submitted to pdpa@dcscc.com (subject to statutory retention); Google Play indicates deletion can be requested.
Verified on 2026-10-18. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Regulatory advantages of Singapore-licensed issuance
Unlike white-label prepaid cards registered in offshore jurisdictions, DeCard relies on Singapore's DCS Card Centre with decades of issuing history, delivering premier BIN stability. [1] [2]
Application Requirements & Client Verification Notes
Luminaries metal card targets premium commercial travel; applicants must be 21–65 and verified as C-suite executives or KOLs. Official signup links redirect to app downloads with web login pending verification; iOS labels indicate tracking across contact info, diagnostics, identifiers, and usage data. [1] [2]
Frequently asked questions
Who issues DeCard Luminaries?
Issued under the hood by DCS Card Centre, an institution regulated by the Monetary Authority of Singapore (MAS), in official partnership with Visa, utilizing premium international Visa Infinite card ranges.
What documents and qualifications are required for DeCard?
Requires a valid passport and facial biometrics via Sumsub, verified as C-suite executives or KOLs; restricted to eligible residents of 9 APAC markets.
Does DeCard support Apple Pay?
Yes. Both virtual and physical cards support one-click provisioning to Apple Pay and Google Pay for global contactless POS payments.
📜 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 DeCard Luminaries on X; search results may change over time.
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