Avici Card Review: Fees, Cashback & Supported Countries

Basic Information

Avici Card is a Visa secured credit card that turns USDC collateral into a USD spending balance. It is designed for users who want to spend from an onchain balance without depositing their full wallet with a card company. The card has no cashback programme; its main proposition is user-controlled collateral, low transaction fees and a choice between an inexpensive Platinum card and a benefit-focused Signature card.

The card contract and the ordinary Avici smart wallet are separate. A user deposits USDC—or a supported asset that Avici converts to USDC—into the card's loan contract. Avici creates an equivalent USD card balance. When a card purchase occurs, a spend attestation creates a charge against that balance; settlement may happen in one or two days, or sometimes weekly. Avici says the user's wallet owns the contract and only the user's wallet can withdraw funds after outstanding card spending is deducted.

This is self-custody of the unspent onchain collateral, but it is not permissionless card access. Visa, the issuing partners and Avici still control card activation, KYC, transaction processing, disputes and compliance. Refunds are also a special case: once a merchant refund reaches the card balance, Avici says it can be spent but cannot be withdrawn back to the wallet.

Rewards and Benefits

Cashback and Rewards

Avici offers no cashback, points or proprietary crypto rewards on card purchases. Platinum and Signature use the same funded-credit model and both have 0% cashback. This makes Avici less attractive for users choosing a card primarily by reward rate, but it also means there is no token stake or membership deposit required to unlock the advertised card terms.

Referral Program

Avici's current standard referral programme gives the applicant a 10% discount on a card purchase and pays the referrer 20% of the amount paid. The referral code is entered during card checkout. High-volume referrers may be offered customised terms, so the standard percentages should not be assumed for every campaign.

Visa Signature Benefits

Signature is the premium tier. Avici advertises access to Visa Signature benefits that can include concierge assistance, airport services, hotel offers, travel insurance, rental-car cover, purchase protection and other regional partner benefits. Exact coverage is not universal: eligibility, claim limits and individual benefits depend on the issuing programme and country.

Signature cardholders can register for Visa Airport Companion and view eligible lounges. Avici explicitly states that its issuer includes no complimentary lounge visits for Signature. Lounge entry is pay-per-use and pricing varies by region. Avici says complimentary visits are planned for a future Infinite tier, but Infinite is not currently available and should not be treated as an active card option.

Fees and Limits

The important distinction is between Avici's own markup and fees charged by Visa or an ATM. Avici publishes a $0 purchase transaction fee and 0% FX markup. For non-USD card purchases, Visa may still add a cross-border conversion charge of approximately 0.4%–1%.

The $15 Platinum price is the current published price for the first virtual card. Earlier Avici material advertised a free first card, but that is no longer the fee shown in the official card documentation. A deleted or replaced card is created at the normal current price; Avici does not promise a free replacement.

Standard untracked physical-card delivery is free and is quoted at roughly three to four weeks. Priority tracked delivery is $15 within the U.S. and $50 internationally, with an estimated one-to-two-week delivery window. Physical-card availability and final delivery charges are confirmed after entering the destination in the app.

Avici publishes no preset card purchase amount or transaction-count limit. Spending remains constrained by the funded card balance, issuer controls and any lower limit the user sets for an individual card. All virtual and physical cards share the same spending balance.

Card Tiers and Options

Both tiers can be virtual or physical, use the same onchain card-balance model and support user-set card limits. Signature is not a higher-reward card—it still earns no cashback. Its value comes from regional Visa benefits and waived Avici ATM charges, so applicants should compare the recurring $20 fee with the benefits actually offered in their country.

Supported Currencies and Conversion

The Avici card is USD-denominated and its loan contract accepts USDC for card-credit creation. The app can accept supported tokens for top-up and use Relay to convert or bridge them into USDC in the background. Because the available tokens and networks are shown dynamically in the app, a static list should not be treated as exhaustive.

Top-ups begin at $1. Avici charges no card top-up fee, and it says EVM Layer-2 top-ups have no Avici gas cost. Card balance normally appears within a few minutes. Users can withdraw unspent credit to their Avici wallet or an external wallet, subject to outstanding card charges. Merchant refunds credited to the card are the exception and cannot be withdrawn.

Avici also offers separate USD and EUR virtual accounts that can receive fiat and convert it to stablecoins in the Avici smart wallet. These accounts are not the same as the card loan contract and have their own eligibility, verification, transfer fees and limits.

Supported stablecoin rails include USDT, USDC and EURC on Solana, Ethereum and Polygon; USDC and EURC are also listed for Base and Arbitrum. Transfer availability and settlement time depend on the banking rail and jurisdiction.

Supported Countries and U.S. State Restrictions

Application eligibility is narrower than Visa merchant acceptance. Avici publishes a country list for opening the card, a separate set of supported U.S. states and a prohibited-country list. Once active, the card can be used at more than 100 million merchants that accept international Visa cards, except in blocked spending jurisdictions.

Published available countries: Antigua and Barbuda, Argentina, Australia, Bahamas, Bangladesh, Barbados, Belize, Bolivia, Brazil, Cayman Islands, Colombia, Costa Rica, Côte d'Ivoire, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Ghana, Grenada, Guatemala, Guyana, Honduras, Hong Kong, Japan, Kenya, Malaysia, Mexico, Morocco, New Zealand, Pakistan, Panama, Paraguay, Peru, Philippines, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Senegal, Singapore, South Africa, Suriname, Thailand, Trinidad and Tobago, Turks and Caicos Islands, Uganda, United Arab Emirates, Uruguay and Zambia. The United States is partially available.

Supported U.S. states: Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Pennsylvania, South Carolina, Texas, Utah, Virginia, West Virginia and Wyoming.

Published prohibited countries: Belarus, mainland China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Sri Lanka, Syria, Turkey, Ukraine, Venezuela and Vietnam. Card spending is blocked in Cuba, Iran, North Korea, Russia, Syria, Ukraine and Venezuela even for an existing cardholder.

Physical delivery and application eligibility are separate checks. Avici says it ships physical cards to most regions, but the app confirms delivery availability and charges only after a country and postal code are entered.

Compliance and Security

KYC Requirements

Card activation requires full identity verification. The current flow asks for the applicant's account type, country of residence, personal details, identity documents and a liveness check. Avici uses Sumsub and shares required KYC data with its card partners. A card fee is charged when the order is placed; if the applicant does not complete or pass verification, Avici instructs them to contact in-app support for a refund.

Virtual accounts may require additional proof of address, a KYC questionnaire and source-of-funds documents depending on the user's risk category and desired limits. These virtual-account requirements should not be confused with the basic card activation flow.

Custody Model

The card balance is stored in an onchain loan escrow contract separate from the user's ordinary smart wallet. Avici states that the user's wallet owns the contract, while a proven card purchase authorises the corresponding settlement withdrawal. Users can withdraw unspent credit after card charges are accounted for.

This structure reduces the amount held by a conventional custodial card platform, but it does not eliminate smart-contract, issuer or operational risk. Card access can still be frozen or cancelled, compliance checks can block service, and disputes depend on Avici and its card partners. Users should also remember the non-withdrawable refund rule before placing a large purchase on the card.

User controls include:

• Freeze or cancel a card in the app
• Set and change the PIN
• Set lower limits for individual cards
• Monitor transactions and shared card balance
• Withdraw unspent card credit to a wallet

Technical Details

Avici uses an EVM loan contract to create secured card credit. The contract accepts USDC, while deposits from supported assets and Solana can be converted or bridged in the background. Card purchases reduce the visible spending balance immediately; the corresponding USDC may be settled with Visa later, commonly within one or two days and sometimes weekly.

Every virtual and physical card linked to the user shares this balance, although the user can apply a separate limit to each card. Virtual cards support online Visa payments and can be added to Apple Pay or Google Pay. They can also work at NFC-enabled ATMs after a PIN is set. Physical cards support insert, swipe, contactless payments and normal ATM use.

This design is more accurately described as user-controlled collateral with issuer-managed card access than as a fully permissionless payment card. It preserves control of unspent onchain funds while retaining the compliance and settlement controls required by Visa.

User Experience

The card is managed through the Avici mobile app. The current onboarding path is:

1. Choose Platinum or Signature and pay the card fee in USDC.
2. Select account type and country of residence.
3. Enter personal information, upload identity documents and complete liveness verification.
4. Activate the card and fund Card Balance with at least $1.
5. Add a virtual card to Apple Pay or Google Pay, or order a physical version.

Avici says verification normally takes a few minutes. A physical card's details should become usable virtually within two to three days of ordering, before delivery. Standard physical delivery is slower, with the fee page quoting roughly three to four weeks for free untracked shipping.

Users can create multiple cards, freeze a card, set individual spending limits and change the PIN from the app. Deleting a card is permanent and a replacement is charged at the normal card price. For an unrecognised transaction, Avici tells users to freeze the card immediately and contact support; dispute reviews can take up to 90 days and refunds are not guaranteed.

Best Suited For

Avici is best suited to:

• Self-custody-focused users who prefer a user-owned onchain card balance over depositing all spending funds with an exchange
• Low-fee spenders who value a $0 Avici purchase fee more than cashback
• Users with USDC income who can fund secured spending without repeatedly off-ramping through an exchange
• People who need several cards sharing one balance with separate user-set limits
• Signature-benefit users who have confirmed that the regional Visa perks justify the recurring fee
• Users of USD or EUR virtual accounts who want ACH, wire or SEPA routes alongside the card

It is a weaker fit for anyone seeking high cashback, free lounge visits, unsecured credit, a card in an unsupported country, or a simple fiat debit card without onchain funding.

Pros and Cons

Sources

• How the Avici secured card works
• Current card fees and limits
• Virtual and physical card options
• Supported and prohibited regions
• Virtual-account fees and limits
• Referral programme

Conclusion

Avici is a differentiated crypto card because it combines a Visa secured-credit structure with a user-owned onchain collateral contract. Platinum is the practical choice for most users: the first virtual card costs $15, there is no recurring annual fee, and Avici charges no purchase fee or FX markup. Signature costs more and should be viewed as a Visa-benefits upgrade, not a rewards tier.

The trade-offs are concrete. There is no cashback, spending power must be funded, Visa can still charge for non-USD conversion, and refunds credited to Card Balance cannot be withdrawn. Signature lounge access is pay-per-use, while travel and protection benefits vary by region. For users who understand those limits and can apply from a supported jurisdiction, Avici offers a strong mix of onchain fund control, low purchase fees and flexible card management.