Open across major global compliant jurisdictions (accepted by 150M+ Visa merchants)
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Transparent real-time conversion spreads; zero hidden FX markups; 0 account maintenance fee.
- Debit / Deduction Model
- Custodial/hybrid digital asset instant settlement card: supports 300+ crypto assets and stablecoins with millisecond POS conversion
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Requires standard compliance identity verification (KYC), supporting valid international IDs.
- Officially supported countries and regions
- Open across major global compliant jurisdictions (accepted by 150M+ Visa merchants)
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa Platinum (Virtual & physical metal cards, supports Apple Pay and Google Wallet)
- Issuer Arrangement / Payment Rails
- Rain (rain.xyz Visa Principal Member & clearing gateway). The card BIN is not public, and this page does not speculate about it.
- Apple Pay / Google Pay
- Supports provisioning to Apple Wallet for contactless POS checkout worldwide.
- Overseas AI Subscriptions
- Cleared under genuine Visa Platinum BINs, supporting overseas SaaS and mainstream AI tool subscriptions.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Up to 1.5% purchase rewards plus Visa Platinum travel insurance and concierge privileges.
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.
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa Platinum
- Issuer arrangement / BIN
- Rain (rain.xyz Visa Principal Member & clearing gateway). The card BIN is not public, and this page does not speculate about it.
- Apple Pay
- ✅ Explicitly stated in official materials: supports provisioning to Apple Wallet for contactless POS checkout worldwide.
- Google Pay
- ✅ Explicitly stated in official materials: fully compatible with Google Wallet.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: cleared under genuine Visa Platinum BINs, supporting overseas SaaS and mainstream AI tool subscriptions.
Compatibility information for this card was verified on 2026-10-15 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 161 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
- Lydian Wallet (TPG Payments Inc)
- Web Portal Support
- Full Web Portal (Cards Supported) — cards.lydian.com supports web onboarding (5-step process: select residence country and connect wallet) and dashboard card management (freeze/unfreeze, transaction history, statements, repayments); Lydian Wallet App also supports card application, top-ups, and balance views; web frontend configuration contains a restricted timezones list including Mainland China, Hong Kong, and Macau (exact enforcement unverified).
- Apple App Store
-
App Store Official Download ↗ Includes Mainland China; Not available across all 27 EU member states (key missing markets: Germany, France, Spain, Italy, 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
-
Explicit GDPR Compliance
International Card Terms (effective 2025-12-01) feature a dedicated "GDPR and Local Privacy Compliance" section: pledges adherence to EU GDPR and equivalent privacy laws, providing rights of access, rectification, erasure, restriction, and consent withdrawal (email support@lydian.com) with cross-border safeguards; card issuer Third National is an affiliate of Rain (Signify Holdings), whose privacy policy (updated 2026-07-16) details rights under EU GDPR, UK GDPR, Swiss law, and Brazil LGPD, appointing an EU representative; US cardholders receive GLBA financial privacy notices (transaction sharing with affiliates without opt-out). Lydian's main privacy policy (Lydian.com, Inc., 2026-09-01) heavily mirrors standard e-commerce templates (referencing merchants and portals), generically stating access or deletion rights "as permitted by law", without hyperlinking referenced Data Privacy Queries; claims participation in the EU-US/UK/Swiss Data Privacy Framework (DPF), governed by Delaware law, with no explicit retention period.
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Lydian main policy specifies no retention period; card issuer Rain retains data per service requirements and AML, KYC, banking, sanctions, and tax obligations, purging biometric data within 3 years of last interaction where applicable by biometric laws; wallet addresses and transaction amounts recorded on public blockchains cannot be deleted.
- App Store Privacy Label
- No tracking data; Linked to you: 2 categories; Not linked to you: 0 categories
- Google Play Data Safety
- Shared: App info and performance, Device or other IDs, Location, Personal info; Collected: 5 categories; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
No self-service deletion option; US card terms state cardholders may call or write to request account closure (does not cancel outstanding balances); international terms and privacy policy permit email requests to support@lydian.com for data access or erasure; Google Play confirms deletion can be requested; Lydian Wallet is self-custodial (deleting only removes local data).
Verified on 2026-10-15. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Institutional-Grade Security & Issuing Architecture
Leveraging Rain official Visa principal issuing status and Tether deep liquidity network ensures robust settlement stability for high-volume corporate and travel spending. [1] [2]
Multi-Asset Instant Conversion Advantage
Supports 300+ tokens converted at spot market rates into local fiat at the point of sale, bypassing manual USDT conversion steps. [1]
Frequently asked questions
In which countries can Lydian Card be used?
Can be used globally at any online or physical terminal accepting Visa; eligible residents of supported regions may apply.
Does Lydian Card charge monthly or deposit fees?
Provides 0 monthly fee options; POS transactions are cleared at real-time Visa spot rates with no hidden FX markups.
📜 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 Lydian Card on X; search results may change over time.
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