# 欢迎来到DeCard 我们很高兴您选择了 DeCard。无论您是刚开始使用，还是已经有一定经验，我们都将为您提供支持。欢迎查阅常见问题（FAQ），或通过回到首页>点击右上角机器人图标，我们将尽力协助您解决问题。 ### 常见问题
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开始使用了解如何使用 DeCard/files/kchWnN8NSpxxCKouLfsl/pages/Zvukm7MAGL6ooitMTmpY
账号及安全学习如何管理你的账号及保护账户安全/files/4qo0axyhIYXxO7S11YYj/pages/7aUFmnCMx9m4smGncsXL
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DeCard开启您的消费之旅/files/Nklbh8CbT2DVACHMIeuO/pages/qkxCJ5fVaATGvEC7XtUT
奖励计划使用 DeCard 消费并赚取奖励。了解 DePoints/files/JT3px1ke1T0o1NtVZksI/pages/VBs8bPCgoFfTZb4zR5JK
DeCard Luminaries全新产品，专为 Web3 的远见者打造/files/h0H2lJV23VFr5nqa4Vp7/pages/VoaFTtoSlT2Y29npHmXT
# 关于 DeCard 不活跃账户费公告 我们在此通知您，自 **2026 年 2 月 13 日起**，DeCard 将对符合条件的卡片收取 **不活跃账户费**。 如某张 DeCard 在连续 **90 天内无任何交易**，该卡将被视为不活跃卡片。对于持续不活跃的卡片，将根据适用的收费标准收取相应的不活跃账户费。 如需了解更多信息，请参阅 [不活跃账户费 FAQ](/decard/decard-bu-huo-yue-zhang-hu-fei)。 # DCS x RAVEDAO 早鸟注册开启
**🎉 早鸟注册开启**\ 🗓️ **7月23日 – 8月3日** 抢先预注册，获取 TOKEN2049 + F1 周**最大型 Web3 室内电音派对**的早鸟门票与专属折扣！\ 本次活动由全球排名第9的 DJ —— **Vintage Culture** **首次空降新加坡**，人气爆棚，门票预计售罄！ *** #### 🔥 DCS DeCard 专属福利： * ✅ **GA 门票 5 折优惠** – *限前 100 名 DeCard 持卡人* * ✅ **GA 门票 9 折优惠** – *所有其他 DeCard 持卡人* * ✅ **限量活动 NFT** – *DeCard × RaveDAO 联名发行* * ✅ **优先 GA 入场 & 快速啤酒通道** *** ▶️ **立即预注册**：\ 🔗 **了解更多**：\ [www.dcscc.com/DeCard/RaveDAO](https://www.dcscc.com/DeCard/RaveDAO) # DCS x RAVEDAO 免费 RaveDAO 门票
#### **🎫 免费 RaveDAO 门票（价值 S$228）** 🗓️ **7月23日 – 9月23日** 专属福利：**DeCard 持卡人**于**7月23日至9月23日**期间累计消费满 **S$5,000+**，\ 即可**免费兑换 GA 门票**一张（仅限前 100 张，先到先得）。 尊享 TOKEN2049 + F1 周**最大 Web3 室内电音派对**入场资格，\ 活动由全球排名第9的 DJ —— **Vintage Culture** **领衔演出**！ 消费还可赚取 **DePoints**，解锁更多精彩奖励！ *** #### 🔥 DCS DeCard 专属福利： * ✅ **DeCard × RaveDAO 限定活动 NFT** * ✅ **优先 GA 入场 & 快速啤酒通道** 🔗 **了解更多**：\ [www.dcscc.com/DeCard/RaveDAO](https://www.dcscc.com/DeCard/RaveDAO) # DCS x RAVEDAO 早鸟票限时开抢
#### **🎟️ 早鸟票限时开抢** 🗓️ **8月4日 – 8月31日**\ 🕛 **开售时间：8月4日 中午12点（GMT+8）** **RaveDAO 早鸟票**将于 **8月4日中午12点正式上线**！\ 仅限 **前100名 DeCard 持卡人**可享 **GA 门票 5 折优惠**。 别错过这场即将售罄的电音盛会，\ 由全球排名第9的 DJ —— **Vintage Culture** **首次登场新加坡演出**，\ 盛况空前，为 **TOKEN2049 + F1 周**最燃的 Web3 室内派对！ *** #### 🔥 DCS DeCard 专属福利： * ✅ **GA 门票 5 折优惠** – *前100名 DeCard 持卡人* * ✅ **GA 门票 9 折优惠** – *所有其他 DeCard 持卡人* * ✅ **DeCard × RaveDAO 联名限量 NFT** * ✅ **优先 GA 入场 & 快速啤酒通道** ▶️ **立即购票**：\ 🔗 **了解更多**：\ [www.dcscc.com/DeCard/RaveDAO](https://www.dcscc.com/DeCard/RaveDAO) # DCS x RAVEDAO 普通票开放购票
#### **🎫 普通票开放购票** 🗓️ **9月1日 – 10月3日** 距离 **TOKEN2049 + F1 周**新加坡**最大型 Web3 室内电音派对**仅剩 **1 个月**！\ **仅限 DeCard 用户**享受 **GA 门票 9 折优惠**。 与全球超级巨星 DJ —— **Vintage Culture**（全球排名第9）一起嗨翻全场，\ **首次登陆新加坡，独家演出**，不容错过！ *** #### 🔥 DCS DeCard 专属福利： * ✅ **GA 门票 9 折优惠** – *所有 DeCard 持卡人* * ✅ **DeCard × RaveDAO 联名限量 NFT** * ✅ **优先 GA 入场 & 快速啤酒通道** ▶️ **立即购票**：\ 🔗 **了解更多**：\ [www.dcscc.com/DeCard/RaveDAO](https://www.dcscc.com/DeCard/RaveDAO) # 什么是 DeCard Hub? DeCard Hub 将您的卡片申请和管理集成到一个轻量化、简洁的平台，方便在移动设备上查看。该平台包括D-Vault账户，您可以将数字资产转入到该账户，并与您的DeCard卡片关联，以便高效管理您的消费限额。 # 哪些人可以申请 DeCard？ DeCard 目前面向居住在新加坡、澳大利亚、日本、韩国、马来西亚、菲律宾、台湾、泰国及越南的个人开放申请。 # 如何注册并激活 DeCard? **第一步：通过 DeCard Hub 注册成为 DeCard 用户。** 使用手机号注册，需要验证您收到的短信验证，验证通过后，设置好您的密码就可以完成账号的注册。 **第2步**：**完成卡的申请。** 当您注册后，进入“卡”页面，将会进入卡的申请流程（新用户还将在流程中完成身份验证）: * 首先需要选择卡类型 * 选择卡类型后会进行身份验证，可以选择以下2种验证方式 * 新加坡公民和永久居民也可以使用Singpass。 * 上传护照和地址证明：适用于在新加坡的其他外国人。 * 身份验证后，您需要填写并确认您的个人信息、居住信息及工作信息。确认无误后即可提交申请。 **第3步： 转入资金提升消费能力。** 当您通过DeCard的审核后，您将获得一张虚拟卡，初始信用额度以DCS分配为准，可转入资金以增加消费额度。 # 如何从移动主屏幕访问DeCard Hub？ 只需几个步骤即可将DeCard Hub添加到您的移动主屏幕，随时随地轻松访问！按照以下步骤设置Android和Apple设备： **安卓：** {% embed url="" %} **iOS：** {% embed url="" %} 如需帮助，请通过 Telegram 联系我们的客服团队（[@TheDeHelpBot](https://t.me/TheDeHelpBot)）。 # 什么是邀请码？ 如果您从朋友那里获得了 DeCard 邀请码，在即将推出的产品更新中，我们将提供更多与邀请码相关的优惠活动。 # 如何修改密码？ 前往“账户”页面，选择“安全中心”。按照提示先确认您当前的密码，然后设置新密码。 # 如何更新我的手机号？ 前往“账户”页面，选择“安全中心”。按照提示更新您的手机号码：需要验证您的出生日期、邮箱验证码以及新手机号的验证码。 # 什么是 D-Vault? D-Vault 将您的所有资产汇总到一个账户中，使您能够轻松转入资金并提高消费限额。 # 数字资产转入教程 1. 在 D-Vault 页面，找到资金转入按钮。 2. 选择“数字资产（USDC, USDT）”，并选择您要使用的网络。 1. UDST支持的网络：Ethereum、Solana、Polygon、Arbitrum、BNB Smart Chain、Morph 2. USDC支持的网络：Ethereum、Solana、Polygon、Arbitrum、BNB Smart Chain、Morph、BASE 3. 若您是首次转账，在转账前需根据合规要求填写个人信息（再次转入时无需重复填写）。 4. 完成以上步骤后，DeCard将会返回您的专属地址。 5. 您只需将数字资产充值到您的地址即可（该兑换服务由 FOMO PAY 提供）。 6. 一旦链上检测到交易完成，FomoPay将按照实时汇率将您的数字资产转换为SGD，系统将为您的账户增加对应的SGD法币金额。 如果您的转账在 30 分钟内未到账，欢迎联系客户服务团队。 {% content-ref url="/pages/6c3L8cdK9e2AE5SCAhAG" %} [数字资产转入未到账怎么办？](/d-vault/shu-zi-zi-chan-zhuan-ru-wei-dao-zhang-zen-me-ban) {% endcontent-ref %} # 数字资产转入教程 1. 在 D-Vault 页面，找到 按钮 2. 选择“数字资产（USDC, USDT）”，输入您想充值金额 3. 在充值前需根据合规要求填写个人信息
4. 完成上述动作，系统将跳转至 FOMO PAY 页面 （**充值兑换服务由 FOMO PAY 提供）** 5. 在 FOMO PAY 页面，选择您希望充值的加密货币 6. FOMO PAY 将提供充值的目标地址和充值数量 {% hint style="warning" %} **请务必按照页面指定的充值数量（精确到6位小数）充值到目标地址，确保扣除手续费后的充值数量与 FOMO PAY 指定的充值数量一致。数量不正确将导致充值无法到账** {% endhint %} {% hint style="warning" %} **请不要保存充值地址和二维码，充值地址是会变化的** {% endhint %}
7. 一旦链上检测到充值完成，系统将为您的账户增加对应的SGD法币金额。 若在充值1小时后仍未到账，请查看 {% content-ref url="/pages/6c3L8cdK9e2AE5SCAhAG" %} [数字资产转入未到账怎么办？](/d-vault/shu-zi-zi-chan-zhuan-ru-wei-dao-zhang-zen-me-ban) {% endcontent-ref %} # 数字资产转入未到账怎么办？ 如果您的转账在区块链上已完成，但超过 30分钟 仍未到账，请及时联系客服处理。为加快问题解决，请提前准备以下信息： * 交易 ID 或 Hash ID * 您发起交易的币种（USDT、USDC）及转账的网络（Ethereum、TRON、Solana） * 您登录用的手机号 提供完整信息后，客服团队将尽快协助您解决问题。 # DeCard 是否支持 USDT 或其他数字货币？ 是的，DeCard 支持 USDT、USDC 等稳定币。您可以将这些数字资产充值到您的卡中，并在全球商户处使用。 # 使用数字资产（稳定币）转账时，需要自己将稳定币兑换成新加坡元吗？ 不需要。只需将 USDT 或 USDC 充值到您的 DeCard，即可在全球商户处使用。 # 什么是 DeCard？ DeCard 是一个新一代卡片品牌，旨在实现稳定币在现实世界中的无缝支付。DeCard 让用户能够通过实体卡支付和二维码支付等方式，在全球广泛的商户网络中轻松完成支付，使稳定币真正成为日常可用的支付方式。 其旗舰产品包括 **DeCard**，专为简单、日常消费而设计；以及 **DeCard Luminaries**，这一高端产品面向 Web3 远见者打造，提供更高阶的体验、专属礼遇和更丰富的奖励。 DeCard 由 **DCS** 提供支持，并依托超过 50 年的发卡经验，将可信赖的金融基础与 Web3 创新相结合。DCS 源自 **新加坡大来卡（Diners Club Singapore）**，如今已发展为新一代全球支付服务提供商，致力于提供安全、合规且创新的支付解决方案。 了解更多，请访问： ，并关注我们的社交媒体：[X](https://x.com/DCS_DeCard)、[LinkedIn](https://www.linkedin.com/company/thedecard)、[Instagram](https://www.instagram.com/dcs_decard/)、[Facebook](https://www.facebook.com/DCSDeCard/)。 # 如何申请 DeCard？ **第1步**：**开始申请卡片** 当您注册后，进入“卡”页面，将会进入卡的申请流程（新用户还将在流程中完成身份验证） * 首先需要选择卡类型 * 选择卡类型后会进行身份验证，可以选择以下2种验证方式 * 新加坡公民和永久居民也可以使用Singpass。 * 上传护照和地址证明：适用于在新加坡的其他外国人。 * 身份验证后，您需要填写并确认您的个人信息、居住信息及工作信息。确认无误后即可提交申请。 **第2步： 转入资金，提升消费额度** 转入资金提升消费能力。当您通过DeCard的审核后，您将获得一张虚拟卡，初始信用额度以DCS分配为准，可转入资金以增加消费额度。 # 与 D-Lite 卡有什么不同？ DeCard 是 DCS 现有 D-Lite 卡的品牌升级。除了全新的卡面，我们还增加了一个方便易用的网站，您可以在不打开 DCS 应用的情况下管理您的 DeCard。同时，我们推出了新的奖励活动和推荐活动。 如果您是现有的 D-Lite 卡持有者，当您的 D-Lite 卡需要续订时，将会发给您一张 DeCard。如果您希望在此之前切换到 DeCard，请通过 Telegram 联系我们的客服团队（[@TheDeHelpBot](https://t.me/TheDeHelpBot)）。 # ATM 取现 - DeCard **Q1. 使用 DeCard 在 ATM 取现会收取哪些费用？** 每笔 ATM 取现将收取取现金额的 1% 或 $5 (以较高者为准）的手续费。\ 此外，部分 ATM 运营方可能会收取额外的服务费或附加费用（如适用），并会在交易前于 ATM 屏幕显示相关信息。这些费用不受 DeCard 控制。 **Q2. DeCard 的 ATM 取现次数有限制吗？** 有的。DeCard 持卡人每天最多可进行 20 次 ATM 取现，且每月最多 30 次。 **Q3. 使用 DeCard 在 ATM 最多可以取多少钱？** * 单笔最高取现金额：$3,000 * 每日最高取现金额：$10,000 * 每月最高取现金额：$100,000 # DeCard 不活跃账户费 **Q1：如果我持有多张 DeCard，“不活跃账户费”将如何计算和收取？** "不活跃账户费”是按卡收取的。若您名下有多张 DeCard，每张卡都会根据其各自的账户状态独立判断是否收取该费用。\ 如果您有不再使用的卡片，建议您主动申请注销，仅保留需要继续使用的卡片，以避免产生不必要的费用。 **Q2： 什么情况下 DCS 会收取客户“不活跃账户费”？收取规则是什么？** 如果卡账户连续 90 天没有任何客户主动发起的交易（不限金额；不含退款），DCS 将向客户收取“不活跃账户费”。 对于符合此条件的账户，每个账单周期将收取每卡 SGD 5 或 USD 5（根据卡 BIN 币种决定）的不活跃账户费。扣费规则如下： * **账户余额 > SGD 5 或 USD 5**\ 系统将进行每月审核。如果账户连续 90 天保持无主动交易，将扣除当月不活跃账户费。 * **账户余额 ≤ SGD 5 或 USD 5**\ 当月将扣除账户全部剩余余额。若下个月仍持续满足 90 天不活跃条件，卡片将被关闭。 * **账户余额 = 0**\ 若账户连续 90 天无任何交易记录，卡片将立即被关闭。 # 什么是DeCard 美元卡？ DeCard 美元卡是 DCS 首张正式推出的美元信用卡，专为 Web3 及跨境消费场景设计。 以美元计价，更贴近以 USD 作为主要交易货币的数字资产生态，能够减少汇率转换带来的额外成本，使支付体验更加透明稳定。 **主要优势：** * 美元账单，美元消费不收取 FX 手续费 * 稳定币转账直接折算为美元 * 更适用于 Web3 与海外消费 # DeCard 美元卡和新元卡有什么不同？ | 類別 | DeCard 新元卡 | DeCard 美元卡 | | ------------------ | ----------------- | ----------------- | | **卡片结算币种** | 新元 (SGD) | 美元 (USD) | | **外币转换费（FX）** | 非新元定价的交易会收取FX | 非美元定价的交易会收取FX | | **美元/新元消费** | 新元消费不收FX | 美元消费不收FX | | **积分规则（DePoints）** | 1 USD = 1 DePoint | 1 USD = 1 DePoint | # 是否支持使用美元银行转账？ 支持。DeCard 支持美元银行转账，但目前仅限新加坡用户使用。 # 如果已经有DeCard 新元卡，是否能申请美元卡？ 目前已有 DeCard 新元卡的用户暂时无法申请美元卡。 # DeCard USD 卡是否参加 “邀请有礼” 活动？ 可以，DeCard USD卡同样享有现有的推荐活动！无论好友申请 SGD 卡或 USD 卡，都计入有效推荐，满足条件即可获得奖励。 # 如何通过推荐赚取奖励？ 邀请您的好友注册使用DeCard ，您和您的朋友都将获得 $5 的奖励! 1. **复制您的邀请码链接给到您的朋友**\ 在 D-Vault - Referral 可以查看您的邀请码，复制并分发给您的朋友。
2. **关系绑定** 被邀请人必须是新的 DeCard 用户，并且在注册后 30 天内完成 $50 或以上的转账，邀请方和被邀请方才能获得奖励。
3. **奖励发放**\ 达标后，奖励将于次月10号发放至双方的账户中。
您可以邀请任意数量的好友——邀请的好友越多，您获得的奖励也越多。如果被邀请人在规定时间内未达到消费要求，您和被邀请人都将无法获得奖励。 想了解如何通过推荐好友开始赚取奖励，请阅读我们的[相关文章](https://www.thedecard.com/dcscc/zh/landing/contents/detail?id=njka3kjel5a0hdw0gu6m84nm)。 # 什么是DePoints? DePoints 是 DeCard 奖励计划的一部分，旨在让您每次消费都能获得更多价值。 您每使用 DeCard 消费 1 美元，即可获得 1 个 DePoint。\ （注意：消费金额中的“美分”部分将不计入积分计算。） DePoints 会在交易清算后自动存入您的账户，自入账日起有效期为两年。 您可使用 DePoints 兑换合作商户提供的礼遇、折扣及专属优惠。 想了解更多关于 DePoints 以及如何将其兑换奖励，请阅读我们的[相关文章](https://www.thedecard.com/dcscc/zh/landing/contents/detail?id=qa7v0h1peiveqj1py7eyxe96)。 # 什么是 DeCard Luminaries？ DeCard Luminaries 是由 DCS 发行的高端信用卡，专为 Web3 的开拓者打造。支持 USDT/USDC 转入，并提供高额消费额度。持卡人还可享有多重专属权益与体验，例如消费返现活动、免费机场贵宾室使用，以及高达 1,000,000 美元的旅行意外保险保障。 # 如何申请 DeCard Luminaries？ **第 1 步：注册并登录。** 在 DeCard App 中注册并登录，然后进入“卡片”页面，选择 DeCard Luminaries。 **第 2 步：完成卡片申请。** 填写表单以确认您是否为 C-level 高管或关键意见领袖（KOL）。初步资格审核通过后，即可开始卡片申请和身份验证流程。您可以选择以下两种身份验证方式： * Singpass：适用于新加坡公民和永久居民 * 上传护照及地址证明：适用于外国人 身份验证完成后，您需要填写并确认个人信息、居住信息及工作信息。 **第 3 步：转入资金。**\ 一旦您的 DeCard Luminaries 申请获得批准，您将收到一张虚拟卡，初始信用额度由 DCS 分配。转入资金操作如下： * 进入 D-Vault 页面并点击“Pay to card”。 * 选择您要转入的货币或稳定币。 * 按照屏幕提示完成操作。 # DeCard Luminaries 的年费是多少？ DeCard Luminaries 需预缴 388 美元\* 年费。只有在缴纳年费后，卡片（包括虚拟卡）才会被激活。此年费不可减免。 \*DeCard Luminaries 卡以新加坡元计价，所有费用将以新加坡元收取。因此，最终入账金额可能会因 DCS 在入账时适用的汇率不同而有所差异。 # ATM 取现 - DeCard Luminaries **Q1: 使用 DeCard Luminaries 在 ATM 取现会收取哪些费用？** 使用 DeCard Luminaries 在 ATM 取现时，每笔将收取取现金额的 1% 或 $ 5 以较高者为准）的手续费。此外，ATM 运营方可能会收取其自行设定的服务费或其他附加费用（如有），并会在交易前于 ATM 屏幕显示相关信息。 **Q2: DeCard Luminaries 的 ATM 取现次数有限制吗？** 有的。DeCard Luminaries 持卡人每周最多可进行 50 次 ATM 取现。 **Q3: 使用 DeCard Luminaries 在 ATM 最多可以取多少钱？** DeCard Luminaries 的 ATM 取现限额如下： * 单笔最高取现金额：$10,000 * 每周最高取现金额：$50,000 # 消费返现活动 **Q1: 返现是如何计算的？** \ 使用 DeCard Luminaries 消费越多，返现比例越高，最高可达 10%，每月上限为 200美元^。每季度成为顶尖消费用户，解锁神秘好礼！返现按月累计消费金额计算，具体按照分级标准执行。 | 每月消费累计 (MCS) | 返现比例 | | ---------------------- | ----- | | < 2000 USD | 2.0% | | 2000 <= MCS <=5000 USD | 3.0% | | MCS > 5000 USD | 10.0% | 举例: | **月消费** | 返现金额 | | -------- | ----------------------------------------------------------------------------------- | | US$2,500 | (US$2,000 x 2%) + (US$500 x 3%) = **US$55** | | US$8,000 | (US$2,000 x 2%) + (US$3,000 x 3%) + (US$3,000 x 10%), capped at US$200 = **US$200** | ^由于 DeCard Luminaries 卡以新加坡元计价，所有费用将以新加坡元收取。因此，最终入账金额可能会因 DCS 在入账时适用的汇率不同而有所差异。 **Q2: 什么时候可以收到返现金额？** \ 符合条件的交易将按自然月计算，即从每月的第一天到该月的最后一天。返现将在每个自然月结束时计算，并于次月 10 日存入您的账户。 \ **Q3: 如果发生退款怎么办？** \ 如您退货或收到退款，该笔交易对应的返现将被扣除。可退回的返现金额按退款金额的 2% 计算，具体以[条款与细则](https://static.dcscc.com/cms/250209_De_Card_and_Luminaries_and_Privileges_Terms_and_Conditions_Final_851cfb31b0.pdf)为准。 \ **Q4: 哪些交易符合返现条件？** \ 交易是否符合返现条件以卡片条款与细则为准。请参考最新的[条款与细则](https://static.dcscc.com/cms/250209_De_Card_and_Luminaries_and_Privileges_Terms_and_Conditions_Final_851cfb31b0.pdf)获取完整说明。 \ **Q5: 返现活动会持续多久？** \ 返现活动的具体细则将按季度进行评估与更新，DCS 保留随时调整的权利。 # \[NEW] DeCard Luminaries新权益 ### **DeCard Luminaries 尊享卡有哪些全新权益？** 自 2026年7月13日起，我们将全面升级我们的尊享卡 DeCard Luminaries 会员权益，为您带来更丰厚的奖励机制与顶级的奢华生活礼遇。在畅享无缝衔接的稳定币消费体验之余，您还将解锁更高级别的专属特权，包括全球 0% 外币交易手续费、免费使用全球机场贵宾室以及 24/7 全天候专属客服服务。此外，您还可以通过全新的“双重奖励系统”灵活掌控您的收益，在日常消费中同时将返现与 DePoints 积分奖励最大化。 ### The Luminaries Evolution：全球 0% 外币交易手续费+双重重磅奖励 在 DeCard Luminaries 尊享卡上的每一笔消费，都在为您积蓄更高价值。我们专为您的全球旅行量身打造的顶级消费体验，助您在体验全球 0% 外币交易手续费的同时，自动解锁“消费返现 + DePoints 积分”的双重奖励跃升。 #### Q1：双重奖励机制是如何运作的？ 您的入账消费将自动同时累积两项奖励。奖励比例将根据您在单月内的累计消费总额按阶梯递增： | **月消费额** | **现金返还 %** | **DePoints 积分累积** | | ----------------- | ---------- | --------------------- | | **前 US$2,000** | 2% | 每消费 US$1 赚取 1 DePoint | | **接下来的 US$3,000** | 3% | 每消费 US$1 赚取 1 DePoint | | **超过 US$5,000** | 10% | 每消费 US$1 赚取 1 DePoint | | **上限** | **US$200** | **无上限** | *\*注：分角（cents）不计入 DePoints。* **双重收益示例：** 若您当月的月度消费总额为 US$6,000： * 获得的返现：(US$2,000 × 2%) + (US$3,000 × 3%) + (US$1,000 × 10%) = US$230 \ (触发每月上限，最终获得 US$200) * 获得的 DePoints 积分： 每消费 US$1 即可赚取 1 积分 = 6,000 DePoints 积分。 * 当月奖励总计： US$200 现金返还 + 6,000 DePoints 积分。 *\*对于以新币（SGD）结算的银行卡，返现金额将以新加坡元形式存入。由于入账时需采用 DCS 决定的适用汇率，最终到账的实际金额可能会有所变动。* #### Q2：0% 外币交易手续费是如何运作的？ 为了确保您的资金在全球范围内享有最高的灵活性，DeCard Luminaries 全面提供全球 0% 外币交易手续费。您在海外旅行、购物及进行跨国交易时，均可享受零外币交易费、零隐性加价成本。结账时看到的金额，即为您账户扣除的最终金额。 #### Q3：我的消费返现和 DePoints 积分何时到账？ 合规交易将按日历月（即每月第一天至最后一天）进行统计。您的双重奖励将在月底结算完毕后，于次月 10 日前直接存入您的账户。 #### Q4：我的 DePoints 积分有效期多长？可以用来兑换什么？ * **有效期：** DePoints 积分自存入您账户之日起，有效期为 2 年（24 个月）。 * **兑换方式：** 您可以随时随地打开 DeCard App 内的 DePoints 奖励目录，即刻将您的积分兑换为独家合作伙伴礼遇、高端餐饮礼券、奢华生活方式特权或跨境旅行权益。 #### Q5：如果交易发生冲正（逆转）或退款会怎样？ 如果合规消费发生交易冲正、取消或退款，DeCard 将自动扣回该笔原始交易此前所产生的对应返现金额及特定数量的 DePoints 积分。 #### Q6：哪些交易可以获得积分和现金返还？ 使用 Scan-and-Pay 完成的交易将无法获得 DePoints 或现金返还。交易是否符合资格将根据卡片条款及条件确定。请参考最新[条款及条件](https://static.dcscc.com/cms/De_Card_Luminaries_Privileges_Terms_and_Conditions_130326_3_16c2fee85a.pdf)了解详细信息。 #### Q7：这个奖励计划会持续多久？ 奖励计划将每季度审查并更新。DCS 保留自行修改计划的权利。 # 免费龙腾(Dragonpass)机场贵宾厅 **Q1：我有多少次贵宾厅权益？** \ 作为 DeCard Luminaries 持卡人，您可享有 2 次免费的机场贵宾厅权益（“机场贵宾厅 基本权益”）。请前往 DeCard App 的「卓越权益」页面查看兑换详情。 \ \ 此外，您还可以选择额外 3 次免费的机场贵宾厅通行作为您的开卡礼（“机场贵宾厅 开卡礼”）。请前往「卓越权益」页面下的「选择开卡礼」栏目进行选择。
请注意： * 您的 DragonPass 权益 和 DragonPass 欢迎礼遇将分别对应不同的会员编号（Membership Number）和激活码（Activation Code）。 * 因此，在您的 DragonPass App 中会显示两个独立的会员账户：一个用于 2 次免费贵宾室访问，另一个用于 3 次欢迎礼遇访问。 **Q2：我已有 Dragonpass 账户，如何在我的账户中兑换？** \ 您需要登录现有账户，点击「Membership」标签并选择「Add Membership」。同一个账户可以绑定多个会员。 或者，您也可以选择「Activate Membership」，并输入Membership number 和 Activation code。完成后，新会员将会加载到您的 Dragonpass 账户中。 \ **Q3：为什么会Membership number 或 Activation code 无法使用？** \ 可能有以下原因： * **Activation code 已过期**：激活码可能在一段时间后失效。如过期，请联系 龙腾客服中心协助刷新或延长。 * **Activation code 已被注册**：如果提示激活码已被注册，可能是之前已被使用。如您本人未使用，请联系 龙腾客服中心寻求帮助。 * **输入错误**：请确认Activation code 输入正确，如输入有误将显示错误提示。 若问题仍未解决，请联系龙腾客服中心获取协助。 \ **Q4：我已选择机场贵宾厅作为开卡礼，理论上应有 5 次权益，但我只看到 2 次，怎么办？** \ 请注意，**机场贵宾厅**基本权益和 开卡礼的Membership number及Activation code 是两套不同的号码，您需要分别输入两套号码才能享有 5 次权益。\ \ 如果您已输入两套Membership number及Activation code，请在 App 内切换两个会员账户，查看各自的贵宾室通行次数。 \ **Q5：如何联系龙腾客服中心？** \ 请前往 Dragonpass App 内的「Customer Support」或「Help」栏目。 # 免费旅行保险 安心出行，享有高达 1,000,000 美元的旅行意外保险保障。只需使用您的 DeCard Luminaries 卡全额支付机票费用，即可享受此免费保障。 了解更多详情请点击[这里](https://static.thedecard.com/decard/Complimentary%20Travel%20Insurance%20for%20DeCard%20Luminaries.pdf)。 # 24/7 Visa 礼宾服务 轻松帮您预订餐厅、度假住宿、机票及各类活动。全天候为您提供即时协助。
国家服务热线邮箱其他
新加坡1800 8232 049SGInfinite@concierge-asia.visa.comWhatsApp (+65) 800 4481 292
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马来西亚1800 805 574MalaysiaInfinite@concierge-asia.visa.comWhatsApp (+60) 1800 805 572
菲律宾

Globe: 1800 8908 6593

PLDT: 1800 1441 0080

PHInfinite@concierge-asia.visa.comViber
台湾0080 1103 966TaiwanInfinite@concierge-asia.visa.comLINE @visaconcierge_tw (including "@")
泰国0018 00441 1252ThailandInfinite@concierge-asia.visa.comLINE @visaconcierge_th (including "@")
越南

Mobifone: 121020032

Viettel: 12280780

Vinaphone: 12011169

VietnamInfinite@concierge-asia.visa.comViber
如需卡片相关咨询，请联系 DeCard Luminaries 客服。 {% content-ref url="/pages/IuMEjuUGFjHoVKoRrKHX" %} [专属客服](/decard-luminaries/zhuan-shu-ke-fu) {% endcontent-ref %} # 专属客服 **Q1: DeCard Luminaries 客服服务时间？**\ 星期一至星期五，9am - 6pm。 \ **Q2: 如何联系 DeCard Luminaries 客服？** * 可以联系我们的Telegram： * 可以联系我们的 DeCard Luminaries 热线：+6565896000 * 或者在 DeCard App > 账号 > 联系我们 > 将会导到Luminaries 客服 Telegram 页面 \ **Q3: 卡有不寻常交易，或者需要先锁卡，怎么处理？** * 在客服营业时间内，可以联系客服。 * 超出客服服务时间，可以在 App > 卡 > 点击冻结。 \ **Q4: 若需要查询个人资料，会有验证流程吗？**\ 有的。 # 什么是新耀卡？ 新耀卡是一张金属实体卡，您可以在卡的正面雕刻您的签名。此卡申请为邀请制（需要邀请码）。我们会为新耀卡持卡人提供独家福利和特权，敬请期待！ # DeCard 信用卡如何还款？ DeCard 持卡人可在任何时间进行还款。如果您在账单到期日前提前还款，已还款金额将立即恢复为可用额度，您可继续消费使用。在每个账单周期结束时，系统会自动以您当期的所有还款金额抵扣账单应付金额。若仍有未清余额，您需在该账单周期内进行额外还款以完成结清。 # DeCard 和 DeCard Luminaries 会收取哪些费用？ | 费用项目 | DeCard 新币卡 | DeCard 美元卡 | DeCard Luminaries 卡 | | ------------ | ----------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------- | | 年费 | S$0 | US$0 | US$388 | | 虚拟卡开卡费 | S$0 | US$0 | US$0 | | 实体卡卡费（如适用） | S$10 | US$10 | US$100 | | 补卡费\* |

虚拟卡: S$0
实体卡: S$10

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虚拟卡: US$0
实体卡: US$10

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虚拟卡: US$0
实体卡: US$100

| | 邮寄费（如适用） | 邮寄费因市场不同而有所差异 | 邮寄费因市场不同而有所差异 | 邮寄费因市场不同而有所差异 | | ATM取现费 | 每笔 ATM 现金提取将收取提取金额的 1% 或 S$5（以较高者为准）；此外，ATM 运营方可能会就该次现金提取另行收取服务费或其他费用。 | 每笔 ATM 现金提取将收取提取金额的 1% 或 US$5（以较高者为准）；此外，ATM 运营方可能会就该次现金提取另行收取服务费或其他费用。 | 每笔 ATM 现金提取将收取提取金额的 1% 或 US$5（以较高者为准）；此外，ATM 运营方可能会就该次现金提取另行收取服务费或其他费用。 | | 外币交易手续费 (FX) | 所有以外币计价的交易将收取 1.8% 交易手续费。 | 所有以外币计价的交易将收取 1.8% 交易手续费。 | 自2026年7月13日起，所有外币交易均享 **0% 外币交易手续费**，且无任何隐藏费用。 | | 数字资产兑换费 | 0 加价，按市场汇率进行兑换。 | 0 加价，按市场汇率进行兑换。 | 0 加价，按市场汇率进行兑换。 | | 入金手续费 | 0% | 0% | 0% | | 不活跃账户费 | 若卡片在获批后连续 90 天未发生任何交易，将收取 S$5 的不活跃账户费用。 | 若卡片在获批后连续 90 天未发生任何交易，将收取 U$5 的不活跃账户费用。 | N.A. | | 利息 | 若未在到期还款日全额支付当前账单及上一期账单的结欠余额，则将按年利率 28% 对总欠款金额计收利息（不包括每笔现金预借的本金部分）。所有现金预借均不享有免息期。如应计利息金额低于 S$3，仍将按 每个账户每月最低 S$3 的利息费用收取。 | 若未在到期还款日全额支付当前账单及上一期账单的结欠余额，则将按年利率 28% 对总欠款金额计收利息（不包括每笔现金预借的本金部分）。所有现金预借均不享有免息期。如应计利息金额低于 US$3，仍将按 每个账户每月最低 US$3 的利息费用收取。 | 若未在到期还款日全额支付当前账单及上一期账单的结欠余额，则将按年利率 28% 对总欠款金额计收利息（不包括每笔现金预借的本金部分）。所有现金预借均不享有免息期。如应计利息金额低于 US$3，仍将按 每个账户每月最低 US$3 的利息费用收取。 | | 逾期还款费 | 如未能在到期还款日前收到最低还款额，将收取 S$50 的逾期还款费用。 | 如未能在到期还款日前收到最低还款额，将收取 US$50 的逾期还款费用。 | 如未能在到期还款日前收到最低还款额，将收取 US$50 的逾期还款费用。 | *\*实体卡的邮寄费用不包含在补卡费内，可能根据实际情况另行收取。* # 卡片申请通常需要多长时间？ 如果所有信息完整且有效，您将在几分钟内获得批准并收到虚拟卡。如果需要额外的信息，或使用文件上传流程，请预期处理时间为 1-3 个工作日。 # 如果我的申请被拒绝会发生什么？ 如果您的申请被拒绝，您可以重新申请 DeCard。请确保事先准备好所有所需的文件。如果您认为存在错误或需要帮助，请随时通过 Telegram 联系我们的客服团队（[@TheDeHelpBot](https://t.me/TheDeHelpBot)）。 # 如何申请实体卡？ 在您收到虚拟卡后,您可以卡的选项 > 点击设置 > 点击实体卡状态 > 就可以成功申请实体卡了。 # 申请实体卡的邮寄费用是多少？ 邮寄费用会因寄送目的地不同而有所差异。实际费用将在您提交申请时于 App 内明确显示。 # 多久可以收到我的实体卡？ 提交实体卡申请后，您的 DeCard 通常会在约 2 周内送达。实际配送时间可能会因您所在国家和收货地址而有所不同。 # 如何冻结/解冻卡片？ * 请前往卡页面的“卡片管理”，在那里您会看到“冻结/解冻”按钮。 * 当卡片未被冻结时，您可以点击“冻结/解冻”按钮来冻结卡片。 * 当卡片被冻结时，您可以点击“冻结/解冻”按钮来解冻卡片（需要进行短信验证码验证）。 # 如何换卡？ 只有持有实体卡的用户才能进行换卡。 1. 进入您想更换卡片的卡片设置页面。 2. 在设置项中有“换卡”的选项。 3. 点击进入后，您可以根据页面提示，提交更换卡片的申请。
# 如何查看完整的卡片信息? * 要查看卡片详细信息，例如卡号、到期日期和CVV，请前往卡页面的“卡片管理”。 * 然后点击“卡号”进行查看。为了保护您的卡片信息安全，您需要先通过短信验证码进行验证，然后才能查看。 # 我可以将DeCard添加到Apple Pay或Google Pay吗？ ## Apple Pay 您可以在iPhone手机上将 DeCard 添加到 Apple Pay: 1. 打开Apple Wallet应用。 2. 点击右上角的“+”号以添加卡片。 3. 扫描或手动输入您的DeCard信息。 4. 接收验证码并完成验证。 5. 绑定成功后即可体验Apple Pay便捷支付。 **小提示：** 确保设备已升级至最新系统，且开启了Face ID或Touch ID以保障支付安全。 ## Google Pay 您可以在Android手机上将 DeCard 添加到 Google Pay: 1. 在您的Android手机上打开Google Pay应用。 2. 点击“设置无接触支付”。 3. 添加新卡片，输入您的DeCard信息。 4. 接受条款，然后通过短信或电子邮件验证OTP验证码。 # 卡片终止 **Q1: 我可以终注销我的卡片吗？** 可以。您的卡片在成功发卡满 90 天后，即可申请注销。注销完成后，卡片将立即被停用，且无法再用于任何交易。 **Q2: 如何注销我的卡片？** 如需注销卡片，请通过 Telegram 联系我们的客服机器人 [@TheDeHelpBot](https://t.me/TheDeHelpBot) 以获取协助。 **Q3 如果我注销了卡片，还可以重新申请 DeCard 吗？** 可以。卡片注销成功后，您可立即申请新的 DeCard。 # Scan-and-Pay **Q1. 什么是 "Scan-and-Pay"?** Scan-and-Pay 是一项功能，让你可以直接在 DeCard App 内扫描商家的二维码完成付款。使用 Scan-and-Pay 完成的交易将无法获得 DePoints 或现金返还。 **Q2. Scan-and-Pay 目前在哪些国家可用？** Scan-and-Pay 目前支持以下国家和地区： * 柬埔寨 * 中国 * 香港 * 韩国 * 老挝 * 蒙古 * 菲律宾 * 新加坡 * 泰国 * 越南 **Q3. 如何使用 Scan-and-Pay 完成付款？** **步骤 1：** 打开 DeCard App，在首页右上角点击「Scan-and-Pay」按钮。请确保你的 DeCard App 已更新至最新版本，以获得最佳使用体验。 **步骤 2：** 扫描商家的二维码。 **步骤 3：** 输入并确认屏幕上显示的付款金额及商户信息。 **步骤 4：** 点击「确认」完成付款。交易成功后，你将在 App 内看到付款成功提示。 **Q4. 如果二维码无法扫描怎么办？** 如果扫码遇到问题，可尝试以下方法： * 确保二维码处于充足光线下 * 稳定握持手机，并确保二维码完整显示在镜头框内 * 若镜头有污渍，请清洁手机摄像头镜片 **Q5. 如果付款失败怎么办？** 若付款未成功，请确认你的 DeCard 账户余额充足，并确保网络连接稳定后再尝试一次。如问题仍然存在，请通过 Telegram 联系我们的客服团队（[@TheDeHelpBot](https://t.me/TheDeHelpBot)）获取协助。 # 如何找到 DeCard 的官方频道？ DeCard 只通过以下经过验证的渠道进行沟通。如果您发现任何声称是 DeCard 的账号、群组或主页不在此列表中，请勿与其互动。 ### DeCard 官方频道 * 官网：[thedecard.com](https://thedecard.com/) * X（Twitter）：[@DCS\_DeCard](https://x.com/DCS_DeCard) * LinkedIn：[@TheDeCard](https://www.linkedin.com/company/thedecard/) * Facebook：[@DCSDeCard](https://www.facebook.com/DCSDeCard/) * Instagram：[@DCS\_DeCard](https://www.instagram.com/dcs_decard/) * Telegram 社群：[@DeCardCommunity](https://t.me/decardcommunity) * 客户支持：Telegram [@TheDeHelpBot](https://t.me/TheDeHelpBot) 温馨提示：DeCard 绝不会主动私信您提供奖励、索取您的密码或私钥，或要求您转账以验证账户。 如果您发现可疑情况或遇到冒充 DeCard 的假冒账号，请通过 Telegram 联系我们的客户支持团队 [@TheDeHelpBot](https://t.me/TheDeHelpBot)。 # Welcome to DeCard! We're glad you've chosen DeCard, and we're here to support you, whether you're just starting out or you're already experienced. Please feel free to check out the FAQs or go back to the homepage and click the robot icon in the upper right corner. and we'll do our best to help solve your problem. ### FAQ
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Getting StartedLearn how to use DeCard/files/kchWnN8NSpxxCKouLfsl/pages/Zvukm7MAGL6ooitMTmpY
AccountLearn how to manage your account and keep it safe/files/4qo0axyhIYXxO7S11YYj/pages/7aUFmnCMx9m4smGncsXL
D-VaultLearn how to use D-Vault/files/yFPkzVV1FqttRPTloggf/pages/tzxlBMs7Jo7ALb93lpQJ
DeCardStart your spending journey/files/qnp6p1Kk5r7YlcocEFFL/pages/qkxCJ5fVaATGvEC7XtUT
RewardsSpend and earn with DeCard. Learn about DePoints/files/95JVFDeqAAv3mY1zKfel/pages/0bttgWYT9KBoOb6X5DBK
DeCard LuminariesThe next evolution of DeCard for Web3 visionaries/files/zreTSc0FxyPHy4VcCWAT/pages/GNs2r7h9ICFsn3oopGE8
# Digital Inactive Account Fee Announcement We wish to inform you that an **Inactive Account Fee** will apply to DeCard cards with effect from **13 February 2026**. A DeCard will be considered inactive if **no transactions are made for 90 consecutive days**. Where a card remains inactive, an inactivity fee may be charged in accordance with the applicable fee schedule. For more information, please refer to the [Inactive Account Fee FAQ](/en/decard/inactive-account-fee-for-decard). # DCS x RAVEDAO Early Access Registration
**🎉 Early Access Registration**\ 🗓️ **23 Jul – 3 Aug** Be the first to secure early bird tickets and exclusive discounts to the **biggest Web3 indoor rave** during **TOKEN2049 + F1 Week**.\ An expected sell-out event **headlined by Vintage Culture** (Ranked #9 DJ in the world) — **live in Singapore for the first time**! *** #### 🔥 DCS DeCard Exclusive Offers: * ✅ **50% OFF GA Tickets** – *For the first 100 DeCard holders* * ✅ **10% OFF GA Tickets** – *For all other DeCard holders* * ✅ **Exclusive Event NFT** – *DeCard × RaveDAO limited edition* * ✅ **Priority GA Entry & Fast-Lane Beer Queue** *** ▶️ **Pre-register now**:\ 🔗 **More Info**:\ [www.dcscc.com/DeCard/RaveDAO](https://www.dcscc.com/DeCard/RaveDAO) # DCS x RAVEDAO Free RaveDAO Tickets
#### **🎫 Free RaveDAO Tickets (worth S$228)** 🗓️ **23 Jul – 23 Sept** Exclusively for **DeCard holders** who spend **S$5,000+** from **23 Jul to 23 Sept**.\ Only **100 GA tickets available** – first come, first served. Unlock your **free access** to party at the **biggest Web3 indoor rave** during **TOKEN2049 + F1 Week**, headlined by **Vintage Culture** (#9 DJ in the world). Earn **DePoints** on your spends to redeem even more rewards! *** #### 🔥 DCS DeCard Exclusive Offers: * ✅ **DeCard × RaveDAO Exclusive Event NFT** * ✅ **Priority GA Entry & Fast-Lane Beer Queue** 🔗 **More Info**:\ [www.dcscc.com/DeCard/RaveDAO](https://www.dcscc.com/DeCard/RaveDAO) # DCS x RAVEDAO Early Bird Ticket Drop
#### **🎟️ Early Bird Ticket Drop** 🗓️ **4 – 31 Aug**\ 🕛 **Sales start on 4 August, 12PM (GMT+8)** The **Early Bird ticket sale** for RaveDAO kicks off at **noon, 4 August**.\ Only the **first 100 DeCard holders** enjoy **50% off** GA tickets. Don’t miss this **sell-out event** featuring **Vintage Culture** (Ranked #9 DJ in the world) in his **first-ever Singapore show** — The **largest indoor Web3 rave** during **TOKEN2049 + F1 Week**! *** #### 🔥 DCS DeCard Exclusive Offers: * ✅ **50% OFF GA Tickets** – *First 100 DeCard holders* * ✅ **10% OFF GA Tickets** – *All other DeCard holders* * ✅ **DeCard × RaveDAO Exclusive Event NFT** * ✅ **Priority GA Entry & Fast-Lane Beer Queue** ▶️ **Buy Now**:\ 🔗 **More Info**:\ [www.dcscc.com/DeCard/RaveDAO](https://www.dcscc.com/DeCard/RaveDAO) # DCS x RAVEDAO General Ticketing Sales
#### **🎫 General Ticketing Sales** 🗓️ **1 Sept – 3 Oct** It’s just **1 month** to go until **Singapore’s biggest Web3 indoor rave** during **TOKEN2049 + F1 Week**!\ Only **DeCard users** enjoy **10% off GA tickets**. Join the party with **global superstar Vintage Culture** (#9 DJ in the world) in his **exclusive Singapore debut** — a night not to miss. *** #### 🔥 DCS DeCard Exclusive Offers: * ✅ **10% OFF GA Tickets** – *All DeCard holders* * ✅ **DeCard × RaveDAO Exclusive Event NFT** * ✅ **Priority GA Entry & Fast-Lane Beer Queue** ▶️ **Buy Now**:\ 🔗 **More Info**:\ [www.dcscc.com/DeCard/RaveDAO](https://www.dcscc.com/DeCard/RaveDAO) # What is DeCard Hub? The DeCard Hub integrates your card application and management into a light, streamlined platform that is easy to view on mobile devices. It includes D-Vault, an account that you can make repayment and prepayment with digital assets, and that is linked to your DeCard for efficient management of your spend limits. # Who is eligible to apply for DeCard? DeCard is currently available to individuals residing in Singapore, Australia, Japan, South Korea, Malaysia, the Philippines, Taiwan, Thailand, and Vietnam. # How do I get started with DeCard? **Step 1: Create an account on the DeCard Hub**. Use your phone number to register. You need to verify that you receive the SMS OTP. After that, set your password to complete the account registration. **Step 2: Complete the card application.** After you register and enter the "Card" page, you can start the card application process (new users will also complete identity verification in this process): * First, you need to select the card scheme. * Identity verification will be performed after selecting the card scheme; you can choose from the following 2 verification methods: * Singpass: for Singapore Citizens and Permanent Residents. * Upload passport and proof of address: for other foreigners in Singapore. * After identity verification, you are required to complete and confirm your personal/residence/employment details. Application can be submitted after confirmation. **Step 3: Transfer funds to increase your spending limit.** Once your DeCard application is approved, you’ll receive a virtual card with a starting credit limit assigned by DCS. To transfer funds: * Go to the D-Vault page and tap "Pay to card". * Select the currency or stablecoin you want to transfer. * Follow the on-screen instructions to complete your repayment. # How can I add the DeCard Hub to my mobile home screen? It takes just a few quick taps to add the DeCard Hub to your mobile home screen for easy access on the go! Simply follow the steps below for your Android and Apple device: **Android** {% embed url="" %} **Apple** {% embed url="" %} For assistance, please reach out to our customer service team on Telegram ([@TheDeHelpBot](https://t.me/TheDeHelpBot)). # What is the invite code? If you get the DeCard invite code from your friends, In our upcoming product updates, we will offer more program tied to the invite code. # How to change password? Go to the "Account" page, and select "Security." Follow the instructions there to first confirm your existing password, before setting a new one. # How to update my mobile number? Go to the "Account" page, and select "Security." Follow the instructions there to update your number: verifying your date of birth as well as email OTP verification, along with the new number's OTP verification. # What is D-Vault? D-Vault aggregates your assets under one view, and allows you to easily transfer funds to increase your spend limit. # Digital assets transfer tutorial 1. On the D-Vault page, find the Repayment / Pay to card button. 2. Select "Digital Assets (USDC, USDT)" and choose the network you want. 1. USDT supported networks: Ethereum, Solana, Polygon, Arbitrum, BNB Smart Chain, Morph 2. USDC supported networks: Ethereum, Solana, Polygon, Arbitrum, BNB Smart Chain, Morph, BASE 3. If this is your first transfer, you will need to fill in your personal information to meet compliance requirements (this step is not required for future repayments). 4. After completing the above steps, DeCard will provide you with a unique address. 5. Simply transfer your digital assets to this address (Transfer and conversion services are provided by FOMO PAY). 6. Once the transfer is detected on the blockchain, FomoPay will convert your digital assets to SGD at the real-time exchange rate, and the equivalent SGD amount will be credited to your account. If your transfer has not been credited within 30 minutes, please reach out to our customer service team. {% content-ref url="/pages/AvxhQtLojX9L62liGwgM" %} [What can I do if my transfer does not arrive?](/en/d-vault/what-can-i-do-if-my-transfer-does-not-arrive) {% endcontent-ref %} # What can I do if my transfer does not arrive? If your transfer has been completed on the blockchain but has not been credited to your account after 30 minutes, please contact customer support for assistance. To expedite the resolution, please have the following information ready: * Transaction ID or Hash ID * The digital asset you used (USDT, USDC) and the network used (Ethereum, TRON, Solana, Polygon, Base) * The phone number you used to log in Once you provide the complete information, our support team will assist you as soon as possible. # Does DeCard accept USDT or other digital currencies? Yes, DeCard supports stablecoins such as USDT and USDC. You can deposit these digital assets to fund your card and spend them at merchants globally. # If I use digital assets (stablecoins), do I need to convert the stablecoin to SGD by myself? No you do not. Simply deposit USDT or USDC into your DeCard, and you will be able to spend them at merchants globally. # What is DeCard? DeCard is a next-gen card brand built for seamless stablecoin spending in the real world. DeCard enables users to pay effortlessly across a broad network of global merchants through both card payments and QR-based payment methods, making stablecoins practical for everyday use. Its flagship products include DeCard, designed for simple, everyday spending, and DeCard Luminaries, a premium offering built for Web3 visionaries, unlocking elevated experiences, exclusive privileges, and enhanced rewards. Powered by DCS and backed by over 50 years of card-issuing heritage, DeCard blends trust with Web3 innovation. Evolving from its roots as Diners Club Singapore, DCS is now a next-gen global payments provider, delivering secure, compliant, and innovative solutions. Learn more at and follow us on our socials: [X](https://x.com/DCS_DeCard), [LinkedIn](https://www.linkedin.com/company/thedecard), [Instagram](https://www.instagram.com/dcs_decard/), [Facebook](https://www.facebook.com/DCSDeCard/). # How to apply for DeCard？ **Step 1: Start your card application.** After you register and enter the "Card" page, you can start the card application process (new users will also complete identity verification in this process): * First, you need to select the card scheme. * Identity verification will be performed after selecting the card scheme; you can choose from the following 2 verification methods: * Singpass: for Singapore Citizens and Permanent Residents. * Upload passport and proof of address: for other foreigners in Singapore. * After identity verification, you are required to complete and confirm your personal/residence/employment details. Application can be submitted after confirmation. **Step 2: Transfer funds to increase your spending limit.** Transfer funds to increase your spending limit. Once your DeCard application is approved, you’ll receive a virtual card with a starting credit limit assigned by DCS. To transfer funds: * Go to the D-Vault page and tap "Pay to card". * Select the currency or stablecoin you want to transfer. * Follow the on-screen instructions to complete your repayment. # How is DeCard different from the D-Lite card? DeCard is a brand upgrade of DCS' existing D-Lite card. Along with a new card face, we've added a sleek, new website that allows you to manage your DeCard without needing to open the DCS app. If you're an existing D-Lite cardholder, you will be issued a DeCard when your D-Lite card is up for renewal. If you wish to switch to a DeCard before then, please contact our customer service team on Telegram ([@TheDeHelpBot](https://t.me/TheDeHelpBot)). # ATM Withdrawal for DeCard **Q1: What fees apply when I withdraw cash from an ATM using DeCard?** ATM cash withdrawals incur a fee of 1% of the cash withdrawal amount or $5 (whichever is greater) per withdrawal, plus any service charge or other fee imposed by the ATM operator. Some ATM operators may impose their own withdrawal limits or additional fees, which are outside of DeCard’s control and will be displayed (where applicable) at the ATM before you complete your transaction. **Q2: Is there a limit to how many ATM withdrawals I can make with DeCard?** Yes. DeCard cardholders may make up to 20 ATM cash withdrawals per day, with a maximum of 30 withdrawals per month. **Q3: What is the maximum amount I can withdraw from ATMs using DeCard?** The maximum amount per single ATM transaction using DeCard is $3,000. The daily withdrawal limit is $10,000, and the monthly withdrawal limit is $100,000. # Inactive Account Fee for DeCard **Q1: If I hold multiple DeCards, how will the “Inactive Account Fee” be calculated and charged?** The “Inactive Account Fee” is charged on a per-card basis. If you hold multiple DeCards, each card will be assessed individually to determine whether the fee applies. If there are any cards you no longer need, we recommend that you cancel them and keep only the card(s) you intend to continue using to avoid unnecessary charges. **Q2: Under what circumstances will DCS charge an Inactive Account Fee, and how is it applied?** DCS will charge an Inactive Account Fee if no customer-initiated transaction (of any amount; refunds excluded) has been made on the account for 90 consecutive days. For accounts meeting this criterion, an Inactive Account Fee of SGD 5 or USD 5 per card (based on the card BIN currency) will be applied at each billing cycle. The deduction rules are as follows: * **Account Balance > SGD 5 or USD 5**\ The system will perform a monthly review. If the account has remained inactive for 90 consecutive days, the Inactive Account Fee will be deducted. * **Account Balance ≤ SGD 5 or USD 5**\ The remaining balance will be fully deducted during that month. If the account continues to meet the 90-day inactivity condition in the following month, the card will be closed. * **Account Balance = 0**\ If the account shows no activity for 90 consecutive days, the card will be closed immediately. # What is DeCard USD Card? DeCard USD Card is DCS’s first officially launched USD-denominated credit card, designed specifically for Web3 users and cross-border spending scenarios. By settling directly in USD, it aligns with the digital asset ecosystem where USD is the primary transaction currency, helping reduce unnecessary FX conversion costs and providing a more transparent and stable payment experience. **Key Benefits:** * USD billing, no FX fees for USD-denominated transactions * Stablecoin repayments or prepayments are directly converted into USD * Ideal for Web3 transactions and overseas spending # What are the differences between the DeCard USD Card and the DeCard SGD Card? | Category | DeCard SGD Card | DeCard USD Card | | ------------------------------ | ----------------------------------------- | ----------------------------------------- | | **Card Billing Currency** | Singapore Dollar (SGD) | US Dollar (USD) | | **Foreign Exchange (FX) Fees** | Applied to transactions not billed in SGD | Applied to transactions not billed in USD | | **USD / SGD Spending** | SGD transactions do not incur FX fees | USD transactions do not incur FX fees | | **DePoints** | 1 USD = 1 DePoint | 1 USD = 1 DePoint | # Does DeCard support USD bank transfers? Yes. DeCard supports USD bank transfers. However, this service is currently only available to users in Singapore. # If I already have a DeCard SGD Card, can I apply for the USD Card? At this stage, existing DeCard SGD Cardholders are not able to apply for the USD Card. # If I have a DeCard USD Card, can I participate in the "Referral Program"? Yes. The DeCard USD Card is fully eligible for the existing referral program. Whether your friend applies for the SGD Card or the USD Card, the application will count as a valid referral, and you will receive rewards once the criteria are met. # What is the DeCard Luminaries? The DeCard Luminaries is a metal physical card where you can engrave your signature on the front of the card. It is available by invite only (you'll need an invite code to apply). We will offer exclusive benefits and privileges for Luminaries cardholders soon, so stay tuned! # How to earn from referrals? Invite your friends to register and use DeCard, and you will each receive a 5 USD reward! 1. **Copy your invite link and share it with your friends.**\ You can find your invite code in *D-Vault -> Referral*. Copy and share it with your friends. 2. **Let your friends spend with DeCard.** The invitee must be a new DeCard user. They must make a transfer of 50 USD or more within 30 days of registration for the invitation to be valid. 3. **Get your reward.**\ Once the requirements above are met, the rewards will be credited to both your accounts on the 10th day of the following month. You can invite as many friends as you like — the more friends you invite, the more rewards you can earn. If an invitee does not meet the spending requirements within the specified time, neither you nor they will be eligible for the reward. Learn more on how you can start earning from your referrals in our [article](https://www.thedecard.com/dcscc/en/landing/contents/detail?id=njka3kjel5a0hdw0gu6m84nm). # What are DePoints? DePoints are part of the DeCard Rewards Program, designed to give you more value every time you spend. You’ll earn 1 DePoint for every USD 1 spent on your DeCard. (Note: Cents are not counted towards DePoints.) DePoints are automatically credited to your account once the transaction settles, and remain valid for 2 years from the date they are credited. Redeem your DePoints for perks, discounts, and other exclusive offers from our partner merchants! Check out the DePoints reward catalog in the DeCard app for details. Learn more about DePoints and how you can redeem them for rewards in our [article](https://www.thedecard.com/dcscc/en/landing/contents/detail?id=qa7v0h1peiveqj1py7eyxe96). # What is DeCard Luminaries? DeCard Luminaries is a premium evolution of DeCard crafted for the visionaries of Web3, issued by DCS. It supports seamless USDT/USDC repayment and prepayment. Cardholders can also expect a suite of privileges and experiences such as an exclusive cashback programme, complimentary airport lounge visits and travel accident insurance coverage of up to US$1,000,000. # How to apply for DeCard Luminaries? **Step 1: Register & login.** Register and log into the DeCard App, then go to the Card page and select DeCard Luminaries. **Step 2: Complete the card application.** Complete the form to confirm whether you are a C-suite executive or a Key Opinion Leader. Once your initial eligibility check is approved, you can start the card application and identity verification process. You can choose from the following 2 verification methods: * Singpass: for Singapore Citizens and Permanent Residents * Upload passport and proof of address: for foreigners After identity verification, you are required to complete and confirm your personal/residence/employment details. **Step 3: Transfer funds.** Once your DeCard Luminaries application is approved, you'll receive a virtual card with a starting credit limit assigned by DCS. To transfer funds: * Go to the D-Vault page and tap "Pay to card". * Select the currency or stablecoin you want to transfer. * Follow the on-screen instructions to complete your repayment. # What is the annual membership fee for DeCard Luminaries? An annual membership fee of USD388\* applies for DeCard Luminaries. This membership fee is strictly non-waivable. The virtual card will only be activated once the annual membership fee is paid. \*As the DeCard Luminaries Card is an SGD denominated card, fees will be charged in Singapore dollars. Thus, final amounts charged may differ depending on the applicable exchange rates determined by DCS applied at the time of posting. # ATM Withdrawal for DeCard Luminaries **Q1: What fees apply when I withdraw cash from an ATM using DeCard Luminaries?** ATM cash withdrawals incur a fee of 1% of the cash withdrawal amount or $5 (whichever is greater) per withdrawal, plus any service charge or other fee imposed by the ATM operator. Some ATM operators may impose their own withdrawal limits or additional fees, which are outside of DeCard’s control and will be displayed (where applicable) at the ATM before you complete your transaction. **Q2: Is there a limit to how many ATM withdrawals I can make with DeCard Luminaries?** Yes. DeCard Luminaries cardholders may make up to 50 ATM cash withdrawals per week. **Q3: What is the maximum amount I can withdraw from ATMs using DeCard Luminaries?The ATM cash withdrawal limits for DeCard Luminaries are:** The maximum amount per single ATM transaction using DeCard Luminaries is $10,000, with a weekly withdrawal limit of $50,000. # Cashback Program **Q1: How does the Cashback program work?** The more you spend with your Luminaries Card, the more cashback you earn — up to 10%, capped at US$200\* every month. Be among the top spenders every quarter and unlock a special mystery gift! Cashback is calculated monthly based on your total spending, according to the following tiers: | Monthly Spend | Cashback % | | -------------- | ---------- | | First US$2,000 | 2.0% | | Next US$3,000 | 3.0% | | Above US$5,000 | 10.0% | Example: | **Monthly Spend** | **Cashback Earned** | | ----------------- | ----------------------------------------------------------------------------------- | | US$2,500 | (US$2,000 x 2%) + (US$500 x 3%) = **US$55** | | US$8,000 | (US$2,000 x 2%) + (US$3,000 x 3%) + (US$3,000 x 10%), capped at US$200 = **US$200** | \*As the DeCard Luminaries Card is an SGD denominated card, the Cashback will be credited in Singapore dollars. Thus, final amounts credited may differ depending on the applicable exchange rates determined by DCS applied at the time of posting. \ **Q2: When will I get my cashback?** \ Eligible transactions are calculated on a calendar-month basis — from the 1st day to the last day of each month. Cashback is calculated at the end of each month and will be credited to your account by the 10th day of the following month. \ **Q3: What happens if my purchase is reversed or refunded?** \ If your purchase is reversed or refunded, the cashback earned on that transaction will be deducted. The refundable cashback is calculated at 2% of the refunded amount, as stated in the Card [Terms & Conditions](https://static.dcscc.com/cms/250209_De_Card_and_Luminaries_and_Privileges_Terms_and_Conditions_Final_851cfb31b0.pdf). \ **Q4: Which transactions are eligible for cashback?** \ Eligibility of transactions is determined based on the Card [Terms & Conditions](https://static.dcscc.com/cms/250209_De_Card_and_Luminaries_and_Privileges_Terms_and_Conditions_Final_851cfb31b0.pdf). Please refer to the latest Terms & Conditions for full details. \ **Q5: How long will the cashback program last?** \ The cashback program details will be reviewed and updated quarterly. DCS reserves the right to make changes at its sole discretion. # \[NEW] DeCard Luminaries Benefits ### **What are the new DeCard Luminaries card benefits?** Starting 13 July 2026, we are supercharging our premium tier with an amplified rewards structure and elite lifestyle upgrades. Enjoy seamless stablecoin spending alongside next-level privileges, including 0% FX fees worldwide, complimentary global airport lounge access, and 24/7 dedicated concierge services. Plus, take control of your earnings with our new dual rewards system allowing you to maximize both Cashback and DePoints on your everyday spending. ### The Luminaries Evolution: Dual Rewards & 0% FX Fees The more you spend on your DeCard Luminaries, the more value you build. Engineered exclusively for your global travels, our premium payment experience allows you to automatically unlock a dual-reward powerhouse (Cashback + DePoints) alongside 0% FX fees globally. #### Q1: How does the dual-reward system work? Eligible spending automatically accumulates both rewards simultaneously. Your rewards scale up across tiers based on your total calendar-month spending: | **Monthly Spend** | **Cashback %** | **DePoints Earned** | | ----------------- | -------------- | ------------------------ | | First US$2,000 | 2% | 1 DePoint per US$1 spent | | Next US$3,000 | 3% | 1 DePoint per US$1 spent | | Above US$5,000 | 10% | 1 DePoint per US$1 spent | | **Capped at** | **US$200** | **Unlimited** | \*Note: Cents are not counted towards DePoints. **Example of Dual Earnings:** If your total monthly spend is US$6,000: * Cashback Earned: (US$2,000 × 2%) + (US$3,000 × 3%) + (US$1,000 × 10%) = US$230 (Capped at US$200) * DePoints Earned: 1 DePoint for every single dollar spent = 6,000 DePoints. * Total Reward for the Month: US$200 Cash Credit + 6,000 DePoints. \*For SGD denominated cards, the cash credit will be credited in Singapore dollars. The final amount credited may differ depending on the applicable exchange rates determined by DCS applied at the time of posting. #### Q2: How do the 0% FX fees work? To ensure your capital has maximum global flexibility, DeCard Luminaries features 0% FX fees worldwide. You can travel, purchase, and transact internationally with zero foreign transaction fees and absolutely no hidden markup costs. What you see at checkout is exactly what you pay for. #### Q3: When are my Cashback and DePoints credited? Eligible transactions are calculated on a calendar-month basis (from the first day to the last day of each month). Your combined dual rewards are calculated at the close of the month and will be credited directly to your account by the 10th day of the following month. #### Q4: How long are my DePoints valid for, and what can I use them for? * **Validity:** DePoints remain valid for 2 years (24 months) from the exact date they are credited to your account. * **Redemption:** You can open the DePoints rewards catalog directly inside the DeCard app to instantly redeem your points for exclusive partner perks, premium dining vouchers, lifestyle rewards, or cross-border travel privileges. #### Q5: What happens if a transaction is reversed or refunded? If an eligible purchase is reversed, cancelled, or refunded, DeCard will automatically claw back the corresponding amount of cashback and the specific number of DePoints that were generated by that original transaction. #### Q6: Are there any transactions excluded from rewards? Scan-and-Pay transactions are not eligible to accumulate monthly cashback or DePoints. For a full, comprehensive breakdown of qualifying merchant categories and exclusions, please refer to the latest [**Card Terms & Conditions**](https://static.dcscc.com/cms/De_Card_Luminaries_Privileges_Terms_and_Conditions_130326_3_16c2fee85a.pdf)**.** #### **Q7: How long will this program last?** The program details will be reviewed and updated quarterly. DCS reserves the right to make changes at its sole discretion. # Complimentary airport lounge visits with Dragonpass **Q1: How many lounge visits am I entitled to?**\ As a DeCard Luminaries cardholder, you are entitled to 2 complimentary airport lounge visits ("Dragonpass Entitlement"). To redeem your 2 complimentary airport lounge visits, please visit the "Luminaries Benefits" page on the DeCard App for details.\ \ You may also select additional 3 complimentary airport lounge visits as your welcome gift ("Dragonpass Welcome Gift"). To select your welcome gift, please visit "Luminaries Benefits", then "Select your welcome gift" section under the page. Please note: * Your Dragonpass Entitlement and Dragonpass Welcome Gift will each come with a different Membership Number and Activation Code. * Because of this, you’ll see two separate memberships in your Dragonpass App — one for the 2 complimentary visits, and one for the 3 welcome gift visits. \ **Q2: I have an existing DragonPass account. How do I redeem the lounge visits on my account?** You will be required to log in to your existing account, select the "Membership" tab and select "Add Membership". It is possible for 1 account to have multiple memberships. Alternatively, it is also possible if you select "Activate Membership" and input the Membership number and Activation code. Upon completion, the new membership will be loaded into your Dragonpass account. \ **Q3: Why does the Membership number or Activation code not work?** \ There could be a number of reasons: * **Expired Activation Codes:** Activation codes may expire after a certain period. If your code is expired, it might need to be refreshed or extended. Please reach out to Dragonpass Support Centre for assistance. * **Already Registered Codes:** If you receive a message that the activation code is already registered, it might be due to the code being used previously. If you did not use this code previously, please reach out to Dragonpass Support Centre for assistance. * **Incorrect Code Entry:** Please ensure that the activation code is entered correctly. If the code is invalid, an error message will be displayed. If your issue is still not resolved, please reach out to Dragonpass Support Centre for assistance. \ **Q4. I have selected Dragonpass as my welcome gift so I should have a total of 5 visits but I only see 2. How can I view the remaining?** \ Please note that the Membership number and Activation Code for the Dragonpass Entitlement and Dragonpass Welcome Gift are 2 different sets of numbers, so you would need to input both set of numbers to enable all 5 visits.\ \ If you have already input both sets of Membership numbers and Activation Codes, please toggle between the 2 memberships to view your respective lounge visits. \ **Q5: How can I reach out to DragonPass Support Centre?**\ Please navigate to the Customer Support or Help section in the Dragonpass App. # Complimentary travel insurance Travel with peace of mind with travel accident insurance coverage of up to US$1,000,000. Simply charge your entire airfare to your DeCard Luminaries to enjoy the complimentary coverage. Find out [more details here](https://static.thedecard.com/decard/Complimentary%20Travel%20Insurance%20for%20DeCard%20Luminaries.pdf). # 24/7 Visa Concierge Seamlessly make dining reservations, book staycations, flights and activities.\ Available any time of the day for immediate assistance.
CountryHotlineEmailOthers
Singapore1800 8232 049SGInfinite@concierge-asia.visa.comWhatsApp (+65) 800 4481 292
Australia1800 233 688AustraliaInfinite@concierge-asia.visa.comWhatsApp (+61) 1800 555 652
Japan0120325561JapanInfinite@concierge-asia.visa.comLINE @visaconcierge_jp (including @)
Korea080 4880 880KoreaInfinite@concierge-asia.visa.comKakaoTalk visaconciergekr
Malaysia1800 805 574MalaysiaInfinite@concierge-asia.visa.comWhatsApp (+60) 1800 805 572
Philippines

Globe: 1800 8908 6593

PLDT: 1800 1441 0080

PHInfinite@concierge-asia.visa.comViber
Taiwan0080 1103 966TaiwanInfinite@concierge-asia.visa.comLINE @visaconcierge_tw (including "@")
Thailand0018 00441 1252ThailandInfinite@concierge-asia.visa.comLINE @visaconcierge_th (including "@")
Vietnam

Mobifone: 121020032

Viettel: 12280780

Vinaphone: 12011169

VietnamInfinite@concierge-asia.visa.comViber
If you have queries relating to your Card, please contact DeCard Luminaries Customer Service. {% content-ref url="/pages/qSkTnYmMP6uj9Z0SjMxF" %} [Customer service](/en/decard-luminaries/customer-service) {% endcontent-ref %} # Customer service **Q1: What are the DeCard Luminaries customer service hours?** \ Monday to Friday, 9:00 AM – 6:00 PM. \ **Q2: How can I contact DeCard Luminaries customer service?** * Via our Telegram: * Via the Luminaries hotline: +65 6589 6000 * Or through the DeCard app: **Account > Contact Us**, which will redirect you to the Luminaries Customer Service Telegram page \ **Q3: What should I do if there are unusual transactions or if I need to temporarily lock my card?** * During customer service hours, you can contact our customer service team. * Outside of customer service hours, you can go to **App > Card > Freeze**. \ **Q4: Is there a verification process required to access personal information?**\ Yes.
# How does repayment work for the DeCard credit card? DeCard cardholders can make repayments at any time. If the payment is made before the statement due date, the repaid amount will be added back to your available spending power. At the end of the billing period, system will automatically deduct the billed amount from all repayments made - if there are further outstanding credit balances, the cardholder will have to make additional repayments in respect of each billing cycle. # What fees does DeCard and DeCard Luminaries charge?
Fees and ChargesDeCard SGD CardDeCard USD CardDeCard Luminaries Card
Annual FeeS$0US$0US$388
Virtual card issuanceS$0US$0US$0
Physical card issuance if applicableS$10US$10US$100
Card Replacement Fee*Virtual card: S$0
Physical card: S$10		Virtual card: US$0
Physical card: US$10		Virtual card: US$0
Physical card: US$100
Delivery fee if applicableDelivery fee varies by market.Delivery fee varies by market.Delivery fee varies by market.
Cash Advance Fee1% of the Cash Withdrawal Amount or S$5 (whichever is greater) per Cash Withdrawal; plus any service charge or other fee imposed by the ATM operator in respect of an ATM Cash Withdrawal.1% of the Cash Withdrawal Amount or US$5 (whichever is greater) per Cash Withdrawal; plus any service charge or other fee imposed by the ATM operator in respect of an ATM Cash Withdrawal.1% of the Cash Withdrawal Amount or US$5 (whichever is greater) per Cash Withdrawal; plus any service charge or other fee imposed by the ATM operator in respect of an ATM Cash Withdrawal.
Foreign Exchange (FX) FeeAll transactions charged in foreign currencies will be subject to an administrative fee of 1.8%.All transactions charged in foreign currencies will be subject to an administrative fee of 1.8%.From 13 July 2026, all foreign currency transactions come with 0% foreign exchange fees, with no hidden charges.
Digital Asset Conversion Fee0% markup, as per market rate.0% markup, as per market rate.0% markup, as per market rate.
Funding Fee0%0%0%
Inactive Account FeeAn Inactive Account Fee of S$5 will be charged if the card remains inactive for 90 consecutive days after approval.An Inactive Account Fee of US$5 will be charged if the card remains inactive for 90 consecutive days after approval.N.A.
Interest Charge28% per annum is levied on the Total Indebtedness (excluding the principal amount of each Cash Advance) unless the closing balance on both the current and previous Statements has been paid in full by the respective Payment Due Date and all Cash Advances are interest-free. If interest is to be debited, Total Minimum Interest of S$3 per account per month is charged if the interest would otherwise be less than S$3.28% per annum is levied on the Total Indebtedness (excluding the principal amount of each Cash Advance) unless the closing balance on both the current and previous Statements has been paid in full by the respective Payment Due Date and all Cash Advances are interest-free. If interest is to be debited, Total Minimum Interest of US$3 per account per month is charged if the interest would otherwise be less than US$3.28% per annum is levied on the Total Indebtedness (excluding the principal amount of each Cash Advance) unless the closing balance on both the current and previous Statements has been paid in full by the respective Payment Due Date and all Cash Advances are interest-free. If interest is to be debited, Total Minimum Interest of US$3 per account per month is charged if the interest would otherwise be less than US$3.
Late Payment ChargeS$50 if the Minimum Payment is not received by Payment Due Date.US$50 if the Minimum Payment is not received by Payment Due Date.US$50 if the Minimum Payment is not received by Payment Due Date.
*\*Physical card delivery fees are not included in the card replacement fee and will be charged separately, if applicable.* # How long does the card application process usually take? If all the information is complete and valid, you will be approved and receive your virtual card within a few minutes. If additional information is needed, and for the document upload flow, please expect a turnaround time of 1-3 business days. --- [Next Page](/llms-full.txt/1)