Central America (Panama, Costa Rica, Guatemala, etc.); limited to legal residents of supported countries.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Zero fee on daily card purchases subsidized by platform; free issuance or physical shipping cost only; global ATM cash withdrawals supported; crypto conversions settle at real-time exchange rates.
- Debit / Deduction Model
- Settles directly against crypto and spot balances (BTC, USDT, USDC) in the Lulubit app; supports configuring primary and backup currencies.
Application Eligibility & KYC
- KYC Identity Verification
- KYC required Requires real-name KYC verification, currently available to legal residents of Central American nations including Panama, Costa Rica, and Guatemala.
- Officially supported countries and regions
- Central America (Panama, Costa Rica, Guatemala, etc.); limited to legal residents of supported countries.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Mastercard (physical and virtual cards, accepted at global Mastercard merchants and ATMs)
- Issuer Arrangement / Payment Rails
- Central American Licensed Financial Partners / Lulubit LLC. Card BIN is not public; this profile does not infer a specific BIN.
- Apple Pay / Google Pay
- Community and help center report support for Apple Pay contactless payments (may require regional device settings depending on issuance batch).
- Overseas AI Subscriptions
- Supports recurring billing on online merchants including OpenAI, Midjourney, and Netflix.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Offers platform reward points and merchant campaigns; no permanent fixed cashback schedule.
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
- Dual-Currency Smart Route Billing
- Cardholders can set a primary currency (e.g. USDT) and a fallback asset (e.g. BTC) in the app; if the primary balance falls short, the backup is automatically drawn. [1] [2]
- Direct Physical Card Delivery
- Order a physical Mastercard directly in-app, delivered via courier to registered addresses across Panama, Costa Rica, and Guatemala. [1]
- Global ATM Cash Withdrawals
- Withdraw local fiat cash at any Mastercard-branded ATM, ideal for day-to-day cash access across Latin America. [1] [2]
- Instant In-App Card Freeze
- Pause or resume card transactions anytime inside the Lulubit app with a single tap to protect against unauthorized charges. [1]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Mastercard
- Issuer arrangement / BIN
- Central American Licensed Financial Partners / Lulubit LLC. Card BIN is not public; this profile does not infer a specific BIN.
- Apple Pay
- ◐ Community feedback / Unconfirmed official mention: Community and help center report support for Apple Pay contactless payments (may require regional device settings depending on issuance batch).
- Google Pay
- ◐ Community feedback / Unconfirmed official mention: Supports mobile tap-to-pay via Google Wallet at POS terminals.
- AI subscriptions such as ChatGPT and Claude
- ◐ Community feedback / Unconfirmed official mention: Supports recurring billing on online merchants including OpenAI, Midjourney, and Netflix.
Compatibility information for this card was verified on 2026-11-05 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 242 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
- Lulubit: Compra Bitcoin Cripto (App Store developer Lulubit LLC; Google Play developer Lulubit)
- Web Portal Support
- Mobile App Only — Mobile app provides spot crypto trading, dual-currency route payments, and physical Mastercard management
- Apple App Store
-
App Store Official Download ↗ Excludes mainland China; listed only in 3 App Store storefronts: Panama, Costa Rica, and Guatemala
- 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
Privacy terms align with Central American territorial financial regulations, enumerating access, correction, and deletion rights while maintaining statutory AML records
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Compliance AML transaction logs and customer identity records are retained for statutory 5 years
- App Store Privacy Label
- Used to track you: Contact Info, Identifiers, Usage Data, Diagnostics; 4 categories linked to identity; 1 not linked
- Google Play Data Safety
- Shared: Device or other IDs; 3 categories collected; deletion requests supported; encrypted in transit
- Account Deletion Flow
-
Help center provides a dedicated guide ('Quiero borrar mi cuenta'); users can submit an in-app ticket or email soporte@lulubit.app to request account deletion
Verified on 2026-11-05. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Central America's Premier Crypto Mastercard
Operating across Panama, Costa Rica, and Guatemala, Lulubit fills the regional void for spending Bitcoin and stablecoins in daily commerce. The dual-currency routing prevents declined transactions from single-asset shortages, while physical card delivery and ATM access enhance everyday liquidity. [1] [2]
Frequently asked questions
Which cryptocurrencies can be spent with Lulucard?
Supports Bitcoin (BTC), USDT, USDC and major digital assets, with customizable primary and fallback spending priorities in the app.
What should I do if my card is lost?
No need to call customer support; simply tap 'Pausar' in the card dashboard in the Lulubit app to instantly lock the card.
Can users outside Central America apply?
Not at this time. Lulubit enforces local compliance KYC, limiting issuance to residents of Panama, Costa Rica, and Guatemala.
📜 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 Lulubit Lulucard on X; search results may change over time.
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