Most mainstream global countries and regions (excluding Mainland China and internationally sanctioned jurisdictions)
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Issuance fee ranges from $29 (Visa Universe) to $50 (Mastercard Business) depending on card tier; top-up fee approx. 2.0%–3.5%; zero monthly maintenance fees ($0 monthly fee); non-USD foreign exchange settled at card network benchmark rates.
- Debit / Deduction Model
- Multi-chain stablecoin liquidity direct settlement: Cardholders deposit USDT directly, with payment networks matching real-time FX rates to settle instantly at transaction time.
Application Eligibility & KYC
- KYC Identity Verification
- Verification may be required by the issuer Lightweight passport verification (typically completed within 10 minutes); restricted in sanctioned countries and territories; no proof-of-address required.
- Officially supported countries and regions
- Most mainstream global countries and regions (excluding Mainland China and internationally sanctioned jurisdictions)
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa / Mastercard (instant virtual card issuance; official Apple Pay and Google Pay support)
- Issuer Arrangement / Payment Rails
- ExCards partner licensed international compliant financial institutions. Card BIN undisclosed; this page does not speculate on exact BINs.
- Apple Pay / Google Pay
- Official Apple Pay support: cardholders can push mainstream card tiers like Visa Universe to iOS devices for in-person contactless POS payments.
- Overseas AI Subscriptions
- Verified stable support for OpenAI ChatGPT Plus, Claude Pro, Cursor, Midjourney, AWS, and global SaaS tool subscriptions.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Dynamic BIN rotation optimizes transaction success rates, supporting high-frequency SaaS and advertising debits with zero monthly maintenance fee burden.
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
- Instant Multi-Chain USDT Top-Up Rails
- Supports direct top-ups via TRC-20, ERC-20, Polygon, Arbitrum, BNB Chain, and more, instantly converting deposits into card balance without wire delays. [1]
- Tiered BINs Tailored to Spending Scenarios
- Tailored BIN tiers for daily spending (Visa Universe, 2% top-up fee), cross-border subscriptions & ad spend (Visa E-commerce, no daily cap), and corporate expenditure (Mastercard Business) maximizing authorization success. [1] [2]
- Seamless Management via Telegram Mini App and Web
- No standalone app installation required: cardholders can apply, top up, view card credentials, and manage freeze states directly inside Telegram via the official bot mini app. [1] [2]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa / Mastercard
- Issuer arrangement / BIN
- ExCards partner licensed international compliant financial institutions. Card BIN undisclosed; this page does not speculate on exact BINs.
- Apple Pay
- ✅ Explicitly stated in official materials: Official Apple Pay support; cardholders can push mainstream BINs like Visa Universe directly to iOS devices for in-person contactless POS checkout.
- Google Pay
- ✅ Explicitly stated in official materials: Official Google Wallet support for NFC-enabled Android devices.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: Verified stable support for OpenAI ChatGPT Plus, Claude Pro, Cursor, Midjourney, AWS, and global SaaS subscriptions.
Compatibility information for this card was verified on 2026-11-02 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 233 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
- app.excards.io web client (PWA) + Telegram Mini App (website button links to @excards_bot; About page states @ex_cards_bot)
- Web Portal Support
- Web Portal / PWA Only — No native app: app.excards.io is an installable PWA for home screen, with the identical UI running as a Telegram Mini App; the web client runs on a third-party white-label platform (assets hosted on cdn.csbpanel.com with page title "NI Frontend"), with tenant configuration defaulted to Russian (switchable to English), enabling virtual cards, Apple Wallet / Google Wallet, QR code login, biometric auth, SBP QR payments, and taxi/travel modules, while social login is disabled (Apple sign-in marked "coming soon"); FAQ notes account recovery relies on linked Telegram login
- Apple App Store
- No iOS app (not found on App Store; App Store URL in web client config is blank)
- Google Play
- No Google Play app (not found on Google Play; Google Play URL in web client config is blank)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
General Data Rights / Regional Regulations
The website privacy policy (excards.io/privacy.html, dated 2026-05-17) remains a placeholder stating the official document would be published in May–June 2026 and has not been updated since, naming neither a data controller nor governing law; it lists collection of passport scans (light KYC), country of residence, email, and USDT wallet address, disclaims storing biometric data, notes sharing with card issuers, KYC vendors, and card networks, disclaims selling to advertisers, and states access, rectification, and deletion can be requested via app.excards.io (subject to statutory retention). The in-app privacy policy (v2, updated 2026-10-27) is a generic Telegram Mini App template naming Costa Rican developer 3-102-895421 S.R.L. (San José), covering collection of name, ID number, gender, date/place of birth, nationality, address, income source, occupation, credit history, phone, email, transaction records, blockchain addresses, and location data; users may request data copies, deletion (except required legal retention), rectification, processing restriction/objection, and consent withdrawal; however, it permits sharing data with marketing/advertising partners (e.g., social networks), monetizing anonymized data, transferring data outside the user's country, and treats policy consent as opt-in to promotional communications; no direct contact info or governing law is specified. The terms of service (2026-10-01) name a different operator, Costa Rican entity 3-102-084697 S.R.L. (Escazú), governed by Costa Rica law. GDPR is only referenced incidentally on the contact page (listing access, correction, deletion, portability, restriction requests) and security page (72-hour breach notification).
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Website privacy policy: KYC records are retained per issuer compliance rules, typically 5–7 years following card closure depending on jurisdiction; KYC page states records are kept for at least 5 years after business relationship termination (referencing FATF Recommendation 11) with details updated every 24 months; in-app privacy policy states retention "as needed for intended purposes" and continued preservation for legal obligations and dispute resolution
- App Store Privacy Label
- —
- Google Play Data Safety
- —
- Account Deletion Flow
-
Self-service deletion currently unavailable: web client features a "Delete account" button under Profile → Security, but frontend source code shows it merely triggers a "This section will be available soon" modal; website privacy policy states data erasure requests may be submitted via app.excards.io (subject to statutory retention), and terms of service state closure can be requested per platform procedure if available once pending charges clear; practically, users must contact in-app chat at app.excards.io or Telegram @excards_support; card issuance, top-up, and authorization fees are non-refundable
Verified on 2026-11-02. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Solving AI Developer & Digital Nomad Subscription Pain Points
Addressing frequent card declines when using domestic cards on AI platforms (e.g., OpenAI, Anthropic) and SaaS services, ExCards delivers reliable payment rails backed by reputable international BINs and native 3D Secure verification, while zero monthly fees minimize costs for low-frequency users. [1] [2]
Risk Controls and Compliance Guidelines
The platform strictly prohibits fraud, money laundering, and high-risk gambling; triggering chargeback fraud flags may result in automatic card locks without fee refunds. Users are advised to top up as needed for legitimate transactions. [1]
Frequently asked questions
Which cryptocurrencies are supported for ExCards deposits?
Primary funding is USDT across multiple blockchains (TRC-20, ERC-20, Arbitrum, Polygon, BNB Chain, etc.), credited automatically upon on-chain confirmation.
Does the card have a monthly maintenance fee?
ExCards charges zero monthly management fees ($0 monthly fee) across all card tiers; cardholders only pay one-time issuance fees and deposit markups.
Can I bind the card to Apple Pay for in-person store purchases?
Yes. Mainstream ExCards tiers (like Visa Universe) support provisioning to Apple Pay and Google Pay for contactless tap-to-pay at POS terminals globally.
📜 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 ExCards on X; search results may change over time.
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