Visa Card - Rewards & Benefits

The rewards and benefits related to the different Visa Card tiers

Valery avatar
Written by Valery
Updated over a week ago

The Visa Card has added additional rewards that are designed to fit the needs of consumers who are always on the move. Building on the existing travel rewards of the Visa Card, which include free Priority Pass™ Airport Lounge Access, interbank exchange rates, and no overseas fees, select cards will have:

  • Your Travel - In Style: 10% purchase rebate on each Expedia (USD 50 equiv.*) or Airbnb booking (USD 100 equiv.*)

  • Your Music:  Spotify. Get a 100% rebate for your standard subscription plan (USD 13.99 equiv.* / **)

  • Your Movies: Netflix. Get a 100% rebate for your basic subscription plan (up to USD 13.99 equiv.* / **)

  • Best Spending Rewards. Ever. Up to 5% back on spending, local or overseas, no minimum or maximum spending required.

*Maximum 1 reimbursement per merchant per month

**Merchant rebates from Spotify and Netflix will expire after six months upon card activation (card issuance for virtual card) for new users with Royal Indigo, Jade Green, and Ruby Steel card tiers.

From 19 March 2021 09:00:00 UTC, CRO Lockup Requirements for the Visa Card will be expressed in local fiat currencies instead of fixed amounts of CRO. Please find the new CRO-equivalent fiat rates in the table below.

Whenever you lockup the required CRO for the higher card tier, you can enjoy varieties of lockup benefits such as increased cashback, reimbursements, increased lockup interest in Crypto Earn, etc., depending on the card tier that you've locked up for.


  • Cardholders will lose their benefits if the lockup is unlocked.

  • The new Card Lockup Rates will apply should the cardholder:

    (1) upgrade their Lockup Tier;

    (2) lockup or re-lockup an existing CRO Card Lockup after 1 June.

  • Cardholders who lockup CRO for a card based on the new fiat-based rates will receive the exact amount of CRO back when they unlock.

    For example:

a. A user locks up 5,000 CRO for a Ruby Card, when 1 CRO = USD $0.08 ($400/$0.08)
b. When that user unlocks, 5,000 CRO will be returned to them, regardless of whether the price of CRO is higher or lower at the time of unlocking.

Purchase Rebates - Details

CRO Rewards are paid in CRO Token to your Wallet App. Transactions made under these merchant categories or channels are excluded from the CRO Rewards program: digital wallets, digital banking services, crypto exchanges, stored value products, money remittance services, security brokers/dealers, insurance sales, underwriting and premiums, tax payments, government services, financial institutions, POI funding transactions, quasi cash, money orders - wire transfers.

The CRO equivalent to the transaction amount will be deposited to the cardholder’s CRO Wallet, which will be reflected instantly with each eligible transaction.

The limit for the purchase rebates are as follow:

  • Expedia: Up to 10% of each purchase with a US$50 limit per month

  • Airbnb: Up to 10% of each purchase with a US$100 limit per month

  • Spotify: Up to US$13.99 per month

  • Netflix: Up to US$13.99 per month

  • Amazon Prime: Up to US$14.99 per month rebate of the membership fee

Purchase rebates will be reimbursed to the USD equivalent. The rebate cap is reset on the first day of each month.

Card cashback will only be credited for the amount exceeding the maximum monthly purchase rebate.

Important notes on purchase rebate (updated 23 Jul 2022)

Existing Jade Green, Royal Indigo, and Ruby Steel Visa Cardholders who activated their Card before 23 July 2022, 15:00 UTC will enjoy the merchant rebate benefit(s) (Spotify, Netflix) tied to their current Card tier for six more months (until 23 January 2023, 15:00 UTC). Thereafter, cardholders will no longer receive CRO reimbursement(s) when spending with these merchant(s); they will instead receive up to 2% back when spending with these merchants with their Visa Card, depending on their card tier. Private Members holding an Icy White, Frosted Rose Gold, or Obsidian card will continue to enjoy their existing merchant rebate benefits.

For Cardholders Who Upgrade after 23 July 2022 15:00 UTC

If a cardholder upgrades their CRO Lockup, they will enjoy the merchant rebate benefit(s) offered with the new Lockup Tier for six months starting from the date of the upgrade. The extension of benefits when upgrading applies to all new and existing cardholders who are upgrading above their highest previously locked up card tier (refer to terms & conditions here). As noted above, if cardholder upgrades to Icy White, Frosted Rose Gold, or Obsidian Lockup Tiers, their merchant rebate benefits will not expire after six months.

Merchant Rebates for New Cardholders Will Be Valid for Six months

Effective 23 July 2022 15:00 UTC, new Jade Green, Royal Indigo, and Ruby Steel Visa Card users will only be eligible for merchant rebates for the first six months upon card activation (card issuance for Virtual Cardholders). Thereafter, the six-month rebate benefit will expire, and they will no longer receive the CRO reimbursements. This revision is applicable to all merchant rebates that cardholders are eligible for based on their CRO Lockup Tiers.


  • In the event that a cardholder downgrades their CRO Lockup or Card tier during the six-month merchant rebate benefit period, the validity period for the merchant rebate benefit(s) available on the new card tier will not be extended.

  • The six-month rebate benefit for new cardholders who sign up after July 23rd, 2022, 15:00 UTC is only applicable for cardholders who have not canceled any Visa Card previously. However, if the new cardholder chooses to sign up for a higher Card tier than the highest tier they previously held, they will then get to enjoy the six-month rebate benefit based on the new Card tier.

Increased % back on Card Spending - Details

With an ongoing CRO Lockup, cardholders will receive the extra % back per card tier as follows:

Obsidian - 2% → 5%

Icy White/Frosted Rose Gold - 1% → 3%

Royal Indigo/Jade Green - 0% → 2%

Ruby Steel - 0% → 1%

For Midnight Blue, cardholders will not receive any card rewards, CRO Lockup is not required.

When Will CRO Cashback Rewards Be Paid Out On Purchases With The VISA Card?

The Visa Card Cashback will be credited to your CRO wallet shortly after you've made an eligible purchase.

Monthly CRO Card Rewards Cap

Depending on your current Card tier, there is a maximum monthly cap on how much CRO Card rewards you can earn when you spend on your Visa Card. For example, if you own a Ruby Steel Card, your monthly CRO Card rewards will be capped at US$25.

There is no monthly CRO Card rewards cap for Icy White, Frosted Rose Gold, and Obsidian cardholders.


Monthly CRO Card Rewards Cap

(in USD or the equivalent amount in other local fiat currencies)

Ruby Steel


Royal Indigo / Jade Green


Monthly CRO Card rewards cap (in USD or the equivalent amount in other local fiat currencies).

*Note: Monthly CRO Card rewards caps are reset at 00:00:00 UTC on the first day of each calendar month.

*Note: For Royal Indigo/Jade Green cards, the monthly cashback limit cap is $50, while for Ruby Steel cards it is $25. This applies to all users regardless of whether they have a live lockup from before 1 June.

Card CRO Lockup Rewards

CRO Lockup Rates:

  • 8% p.a. for Private Members with an Obsidian, Icy White, or Frosted Rose Gold Card;

  • 4% p.a. for Jade Green or Royal Indigo cardholders;

The rewards are paid on weekly basis.

  • Cardholders with an existing lockup (before 1 June, 2022 00:00 UTC will continue to earn Card CRO Lockup rewards at 10% p.a. (12% p.a. for private users) until their 180-day lockup expires. Thereafter, the new rates of 4% p.a. (8% p.a. for private users) will apply.

Free Card Reissuance

Until further notice, the $50 card re-issuance fee will be waived for cardholders who upgrade to the next card tier by locking up the requisite amount.

Icy White, Frosted Rose Gold, and Obsidian cardholders- enjoy additional benefits

A series of upgraded CRO rewards and benefits, together with Private, tailored for our Obsidian, Frosted Rose Gold, and Icy White cardholders***

This builds on our existing benefits for these cardholders which include up to 5% back on spending, unlimited Priority Pass™ Airport Lounge Access with a guest, Airbnb, and Expedia rebates among other benefits. Revisit them here.

The upgraded rewards for Icy White, Frosted Rose Gold, and Obsidian:

Crypto Earn

Additional 2% p.a. interest on fixed-term deposits (paid in CRO) . Not applicable for CRO deposits.

How do I get the extra 2% bonus interest on Crypto Earn?

1. You're actively locked up for Icy White, Frosted Rose Gold, or Obsidian

2. Applicable for any non-CRO fixed-term deposits made after March 1, 2020

Please refer to Crypto Earn for more information, which includes steps to complete deposits.

Amazon Prime

Be rewarded with up to US$14.99/month rebate on the Amazon Prime membership fee

How does it work?

Just use your VISA card to pay for the Amazon Prime membership, and get reimbursed in CRO afterward.

Please note that the reimbursement has a cap of 14.99 USD per month, so please choose the monthly payment option instead of the annual one.

Welcome Pack

Receive exclusive branded merchandise

We are currently completing the sourcing of this. We will be in contact when ready to gather the users' sizes. The process has been slowed by the impact of the virus on many production locations.

Private Jet Service*

Special perks when traveling by our preferred private jet partner

How does it work?

*This is exclusive for our Obsidian cardholders.

With the Private Jet Service, you could unlock exclusive luxury privileges on your first flight with one of the largest private jet networks in the world (inc. Dom Perignon service).

Eligible Obsidian cardholders, please contact our support team to submit your booking request. Private

***In order to enjoy the Private membership, users are required to maintain the following CRO Lockup levels:

  • Obsidian

  • Icy White / Frosted Rose Gold

Relevant questions:

  • How do I sign up for these benefits?

Sign up for a Visa Card by downloading the App. Existing cardholders may be able to upgrade to a new card tier if desired.

  • Do I need to change my current Spotify/Netflix plan in order to enjoy these benefits?

Visit the respective sites and pay for your subscription with your Visa Card*. For existing users of Spotify/Netflix, go to the subscription and payment page to change your payment method to the Visa Card.

Note: Enabling International Usage may be required

  • How do I get my rebates for payments toward Spotify, Netflix, Airbnb, Expedia, and Amazon Prime? And will I get it immediately after my purchase?

Make your payment, as usual, using your Visa Card. will deposit the CRO equivalent of the rebate to your CRO Wallet.

  • As the CRO equivalent to the transaction amount will be deposited to the user’s CRO Wallet, can it be immediately converted?

The user may immediately convert the CRO Tokens into other cryptocurrencies or fiat currencies.

  • Must a user make recurring subscription payments using the Visa Card?

Yes, You should make the payment or change the current payment method to the Visa card for the subscription in order to enjoy the rebates.

  • Will a user need to have a certain amount of balance in the Card Wallet for subscription purchases? (i.e. Must have US$20 equivalent in balance at the time of purchase)

You need to have a sufficient amount in your balance for payment.

*This offer is launched by independently and there is no partnership between and the merchants in this offer. has the sole discretion to modify this offer at any time.

Did this answer your question?