ATM Limit
| Midnight Card | Ruby Card | Indigo / Jade Card | Icy / Rose Card | Obsidian Card |
Free ATM limit (Monthly) |
A$200 |
A$400 |
A$800 |
A$1,000 |
A$1,000 |
ATM withdrawal limit | Daily: A$2,000 Monthly: A$10,000 Yearly: A$75,000 | Daily: A$2,000 Monthly: A$10,000 Yearly: A$75,000 | Daily: A$2,000 Monthly: A$10,000 Yearly: A$75,000 | Daily: A$2,000 Monthly: A$10,000 Yearly: A$75,000 | Daily: A$2,000 Monthly: A$10,000 Yearly: A$75,000 |
ATM withdrawal frequency | Daily: 3 Monthly: 30 Yearly: 360 | Daily: 3 Monthly: 30 Yearly: 360 | Daily: 3 Monthly: 30 Yearly: 360 | Daily: 3 Monthly: 30 Yearly: 360 | Daily: 3 Monthly: 30 Yearly: 360 |
Top Up and Transfer Limit
| Midnight Card | Ruby Card | Indigo / Jade Card | Icy / Rose Card | Obsidian Card |
Aggregated top-up limit | Daily: A$30,000 Monthly: A$30,000 Yearly: A$300,000 | Daily: A$30,000 Monthly: A$30,000 Yearly: A$300,000 | Daily: A$30,000 Monthly: A$30,000 Yearly: A$300,000 | Daily: A$30,000 Monthly: A$30,000 Yearly: A$300,000 | Daily: A$30,000 Monthly: A$30,000 Yearly: A$300,000 |
Aggregated top-up with Debit / Credit Card | Daily: A$30,000 Monthly: A$30,000 Yearly: A$300,000 | Daily: A$30,000 Monthly: A$30,000 Yearly: A$300,000 | Daily: A$30,000 Monthly: A$30,000 Yearly: A$300,000 | Daily: A$30,000 Monthly: A$30,000 Yearly: A$300,000 | Daily: A$30,000 Monthly: A$30,000 Yearly: A$300,000 |
Minimum top-up limit with Debit / Credit Card |
A$20 |
A$20 |
A$20 |
A$20 |
A$20 |
Cash account to card transfer limit | Daily: A$30,000 Monthly: A$30,000 Yearly: A$300,000 | Daily: A$30,000 Monthly: A$30,000 Yearly: A$300,000 | Daily: A$30,000 Monthly: A$30,000 Yearly: A$300,000 | Daily: A$30,000 Monthly: A$30,000 Yearly: A$300,000 | Daily: A$30,000 Monthly: A$30,000 Yearly: A$300,000 |
Crypto to card transfer limit | Daily: A$30,000 Monthly: A$30,000 Yearly: A$300,000 | Daily: A$30,000 Monthly: A$30,000 Yearly: A$300,000 | Daily: A$30,000 Monthly: A$30,000 Yearly: A$300,000 | Daily: A$30,000 Monthly: A$30,000 Yearly: A$300,000 | Daily: A$30,000 Monthly: A$30,000 Yearly: A$300,000 |
Card to card transfer limit | Daily: A$100 Monthly: A$3,000 Yearly: A$36,000 | Daily: A$7,000 Monthly: A$7,000 Yearly: A$70,000 | Daily: A$7,000 Monthly: A$7,000 Yearly: A$70,000 | Daily: A$7,000 Monthly: A$7,000 Yearly: A$70,000 | Daily: A$7,000 Monthly: A$7,000 Yearly: A$70,000 |
Load Frequency – All Card Tiers
Daily limit: 12
Monthly limit: 140
Yearly limit: 360
*Please note that this is a total aggregated load frequency limit. For each top-up or transfer method, different load frequency limits may apply
All aggregated loading limits (and only them) reset on a rolling basis, while all other limits reset on a calendar basis.
The daily calendar limits reset at 00:00 SGT.
Monthly and Yearly calendar limits reset at 00:00 SGT on the first of each month/1st of January.
Monthly Spending Cap for CRO Rewards
| Basic (previously Midnight) | Plus (previously Ruby) | Pro (previously Jade/Indigo) | Private (previously Icy/Rose/Obsidian) |
Monthly Spending Cap Eligible for Rewards*
USD or the equivalent amount in other fiat currencies
| N/A | Prepaid Card: $1,250 | Prepaid Card: $2,500 | Unlimited |
Overall Transaction Limit (Including ATM transactions – All Card Tiers)
Daily limit: A$30,000
Monthly limit: A$30,000
Yearly limit: A$300,000
Card Max Balance – All Card Tiers
A$30,000
Fees
ATM Withdrawal:2% on amounts above the monthly free ATM limit [ATM surcharge fees charged by ATM provider (if any) will be counted towards the ATM withdrawal limit]
Debit / Credit Card Top-Up:
Debit – 1%
Credit – 2%
Debit / Credit Card top-up via Apple Pay – 2%
Close Account:
Midnight Blue – A$10
Other VISA Cards – A$70
Card Replacement:
Midnight Blue – A$4.01
Other Card Tiers – A$70
Card Upgrade: Waived
Physical Card Issuance:
Midnight: A$5.99
Ruby: A$49.99 for Level Up Plus plan monthly subscribers with less than 6 months of consecutive subscription. Free for Level Up Plus plan annual subscribers, monthly subscribers with at least 6 months of consecutive subscription, or users with an active Level Up lockup/stake
Foreign Transaction Fee: 3% on all non-AUD purchases and ATM withdrawals for the Midnight Card (Effective 2 September 2025)
Inactivity: A$5 per month of inactivity will be charged after 12 months of no cardholder-initiated financial activity on the card unless activity resumes. The fee will stop being charged and the 12 months will be reset once activity resumes. Note: Declined and refunded transactions do not constitute financial activity.