57 Best Crypto Cards in Singapore 2026

What to Know Before Using Crypto Cards in Singapore

Tax

No Capital Gains Tax

Singapore does not tax capital gains for individuals, meaning most casual crypto spending is tax-free for residents.

Tax

Trading Activity Taxed as Income

If your spending or trading patterns look like a business or professional trade, profits are taxed as ordinary income up to 24%.

Banking

Anti-Scam Transfer Holds

Banks may hold or reject transfers if you have over S$50,000 and try to move more than half your balance within 24 hours.

Restriction

Credit Card Crypto Buy Ban

MAS regulations prohibit using credit cards or leverage to purchase crypto through regulated service providers.

Regulation

GST Exemption on Crypto Payments

Using digital payment tokens to buy goods is not considered a 'supply' for GST, so you only pay GST on the item itself.

Heads Up

Regulatory Product Exits

Stricter licensing requirements have caused some crypto card providers to suddenly discontinue services for Singapore residents.

Common Questions About Crypto Cards in Singapore

1 Do I have to pay tax every time I use my crypto card in Singapore?

Generally, no. Because Singapore doesn't have capital gains tax, casual users don't owe money just because their crypto increased in value before they spent it. You only need to worry if you are trading crypto as a professional business, in which case your profits are treated as taxable income.

2 Why can't I top up my crypto card using my Singapore credit card?

The Monetary Authority of Singapore (MAS) has banned regulated crypto providers from accepting credit cards for crypto purchases. This is intended to prevent people from borrowing money to speculate on volatile assets. You should use bank transfers like FAST or PayNow instead.

3 Will my bank block me from sending money to a crypto card provider?

While not banned, banks have high-security triggers. Since October 2025, if you try to move more than 50% of a large balance (S$50k+) in one day, the bank may delay or block the transfer to prevent potential scams. It is best to plan large top-ups in advance.

4 What is the best way to move SGD to my crypto card?

Using FAST or PayNow is the most reliable method. These are Singapore's real-time payment rails and are widely supported by local banks and regulated crypto platforms for near-instant funding.

5 Does the length of time I hold my crypto affect my taxes?

Unlike the US or Australia, there is no 'one-year rule' for lower taxes. Singapore looks at your intent. If you hold crypto as a long-term investment, it's usually tax-free. If you flip it frequently for profit, it might be viewed as a taxable trade regardless of how long you held it.

Country-specific information last researched on February 13, 2026 . Regulations and policies can change — always verify with your card provider and local tax authority.

Top-Rated Cards in Singapore

Top-Rated Card Details

ether.fi Cash Card

4.5⭐

ether.fi Cash is a non-custodial Visa credit card that lets you spend USDC or LiquidUSD directly—or borrow against your crypto without selling it.

XPlace Card

4⭐

XPlace Card is a self-custodial Solana Visa credit card with Cash Mode for stablecoin spending and Credit Mode for borrowing against crypto. Plans cost $0–$999 per year, with 0.

PAYY Card

3.9⭐

PAYY Card is a self-custodial Visa Platinum secured credit card that spends USDC from Payy Wallet. Zero-knowledge proofs keep wallet balances and onchain transaction amounts private while Visa handles everyday merchant payments.

Spritz Card

3.8⭐

Spritz Card is a wallet-funded Visa Signature card with an instant virtual version and a limited physical-card release. Each load creates a USD card balance that cannot be transferred back; eligible travel and dining purchases can earn 5% cashback during short Shopping Spree windows.

Bitget Wallet Card

3.8⭐

Bitget Wallet Card is a region-specific prepaid Visa or Mastercard funded from Bitget Wallet. Its new Assetback programme pays 2% on eligible spending, or 3% for new and qualifying users.

THORWallet Card

3.7⭐

THORWallet Card lets users top up a Mastercard from a self-custodial multi-chain wallet. Basic is a $5 virtual card that becomes free with an invite; Premium costs $124 once, includes a physical card and earns 0.