For Crypto.com Prepaid Visa Card Fees and Limits (Singapore) applicable to Singapore residential address users, click here.
ATM Limit
Note: ATM withdrawals are only available at local ATMs outside of Singapore. Limits are not under MAS Payment Services Act 2019 (applicable to non-Singapore residential address users only).
| Midnight Card | Ruby Card | Indigo / Jade Card | Icy / Rose Card | Obsidian Card |
Free ATM limit per Month (local ATMs only – outside Singapore) |
S$200 |
S$400 |
S$800 |
S$1000 |
S$1000 |
ATM withdrawal limit (local ATMs only – outside Singapore) | Daily: S$500 Monthly: S$5,000 Yearly: S$50,000 | Daily: S$1,000 Monthly: S$10,000 Yearly: S$75,000 | Daily: S$2,000 Monthly: S$10,000 Yearly: S$75,000 | Daily: S$2,000 Monthly: S$10,000 Yearly: S$75,000 | Daily: S$2,000 Monthly: S$10,000 Yearly: S$75,000 |
ATM withdrawal frequency (local ATMs only – outside Singapore) |
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: S$10,000 Monthly: S$10,000 Yearly: S$50,000 | Daily: S$30,000 Monthly: S$30,000 Yearly: S$150,000 | Daily: S$30,000 Monthly: S$30,000 Yearly: S$250,000 | Daily: S$30,000 Monthly: S$30,000 Yearly: S$250,000 | Daily: S$30,000 Monthly: S$30,000 Yearly: S$250,000 |
Aggregated top-up limit with Debit / Credit Card | Daily: S$10,000 Monthly: S$10,000 Yearly: S$20,000 | Daily: S$30,000 Monthly: S$30,000 Yearly: S$150,000 | Daily: S$30,000 Monthly: S$30,000 Yearly: S$250,000 | Daily: S$30,000 Monthly: S$30,000 Yearly: S$250,000 | Daily: S$30,000 Monthly: S$30,000 Yearly: S$250,000 |
Minimum top-up limit with Credit / Debit Card |
S$20 |
S$20 |
S$20 |
S$20 |
S$20 |
Crypto to card transfer limit | Daily: S$10,000 Monthly: S$10,000 Yearly: S$50,000 | Daily: S$30,000 Monthly: S$30,000 Yearly: S$150,000 | Daily: S$30,000 Monthly: S$30,000 Yearly: S$250,000 | Daily: S$30,000 Monthly: S$30,000 Yearly: S$250,000 | Daily: S$30,000 Monthly: S$30,000 Yearly: S$250,000 |
Load Frequency – All Card Tiers
Daily limit: 3
Monthly limit: 30
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.
POS Purchase Limit - Including Local ATM Withdrawals (Outside Singapore; Includes All In-Store and Online Purchases)
| Midnight Card | Ruby Card | Indigo / Jade Card | Icy / Rose Card | Obsidian Card |
POS purchase limit - including local ATM withdrawals (outside Singapore) | Daily: S$10,000 Monthly: S$10,000 Yearly: S$50,000 | Daily: S$15,000 Monthly: S$15,000 Yearly: S$150,000 | Daily: S$25,000 Monthly: S$25,000 Yearly: S$250,000 | Daily: S$25,000 Monthly: S$25,000 Yearly: S$250,000 | Daily: S$25,000 Monthly: S$25,000 Yearly: S$250,000 |
Card Max Balance
| Midnight Card | Ruby Card | Indigo / Jade Card | Icy / Rose Card | Obsidian Card |
Card max balance | S$10,000 | S$15,000 | S$25,000 | S$25,000 | S$25,000 |
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 |
Note: The Monthly CRO Rewards Limit is applicable regardless of whether cardholders have or do not have a live CRO Lockup.
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 – 0%
Credit – 1%
Close Account: S$50
Card Replacement
Midnight - S$45.01
Other Card Tiers - S$50
Card Upgrade: Waived
Physical Card Issuance:
Midnight: S$4.99
Ruby: S$39.99 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:
Midnight: 0.5% on all purchases and ATM withdrawals that are not denominated in SGD, AUD, EUR, GBP, HKD, JPY, or USD (Effective 2 September 2025)
Other Card Tiers: No fee
Inactivity: S$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.
This document is a translation of its English version. In case of conflict, the English version shall prevail.