ATM Limit
| Midnight Card | Ruby Card | Indigo / Jade Card | Icy / Rose Card | Obsidian Card |
ATM withdrawal limit | Daily: C$700 Monthly: C$7,000 Yearly: No limit | Daily: C$1,500 Monthly: C$15,000 Yearly: No limit | Daily: C$2,500 Monthly: C$15,000 Yearly: No limit | Daily: C$2,500 Monthly: C$15,000 Yearly: No limit | Daily: C$2,500 Monthly: C$15,000 Yearly: No limit |
ATM withdrawal frequency (for magnetic stripe transactions only) | Daily: 3 Monthly: 30 Yearly: No limit | Daily: 3 Monthly: 30 Yearly: No limit | Daily: 3 Monthly: 30 Yearly: No limit | Daily: 3 Monthly: 30 Yearly: No limit | Daily: 3 Monthly: 30 Yearly: No limit |
Top Up and Transfer Limit
| Midnight Card | Ruby Card | Indigo / Jade Card | Icy / Rose Card | Obsidian Card |
Aggregated top-up limit | Daily: C$15,000 Monthly: C$35,000 Yearly: No limit | Daily: C$15,000 Monthly: C$35,000 Yearly: No limit | Daily: C$15,000 Monthly: C$35,000 Yearly: No limit | Daily: C$15,000 Monthly: C$35,000 Yearly: No limit | Daily: C$15,000 Monthly: C$35,000 Yearly: No limit |
Cash account to card transfer limit | Daily: C$15,000 Monthly: C$35,000 Yearly: No limit | Daily: C$15,000 Monthly: C$35,000 Yearly: No limit | Daily: C$15,000 Monthly: C$35,000 Yearly: No limit | Daily: C$15,000 Monthly: C$35,000 Yearly: No limit | Daily: C$15,000 Monthly: C$35,000 Yearly: No limit |
Crypto to card transfer limit | Daily: C$15,000 Monthly: C$35,000 Yearly: No limit | Daily: C$15,000 Monthly: C$35,000 Yearly: No limit | Daily: C$15,000 Monthly: C$35,000 Yearly: No limit | Daily: C$15,000 Monthly: C$35,000 Yearly: No limit | Daily: C$15,000 Monthly: C$35,000 Yearly: No limit |
Card to card transfer limit | Daily: C$100 Monthly: C$3,000 Yearly: No limit | Daily: C$500 Monthly: C$7,000 Yearly: No limit | Daily: C$500 Monthly: C$7,000 Yearly: No limit | Daily: C$500 Monthly: C$7,000 Yearly: No limit | Daily: C$500 Monthly: C$7,000 Yearly: No limit |
Load Frequency – All Card Tiers
Daily limit: 12
Monthly limit: 140
Yearly limit: No limit
*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 MT.
Monthly and Yearly calendar limits reset reset at 00:00 MT 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 |
POS Purchase Limit (Includes All In-Store and Online Purchases)
| Midnight Card | Ruby Card | Indigo / Jade Card | Icy / Rose Card | Obsidian Card |
POS purchase limit | Daily: C$15,000 Monthly: C$20,000 Yearly: No limit | Daily: C$35,000 Monthly: C$35,000 Yearly: No limit | Daily: C$35,000 Monthly: C$35,000 Yearly: No limit | Daily: C$35,000 Monthly: C$35,000 Yearly: No limit | Daily: C$35,000 Monthly: C$35,000 Yearly: No limit |
POS frequency (for magnetic stripe transactions only) | Daily: 10 Monthly: No limit Yearly: No limit | Daily: 20 Monthly: No limit Yearly: No limit | Daily: 30 Monthly: No limit Yearly: No limit | Daily: 30 Monthly: No limit Yearly: No limit | Daily: 30 Monthly: No limit Yearly: No limit |
Card Max Balance – All Card Tiers
C$35,000
Fees
Card Upgrade Fee: Waived
Physical Card Issuance:
Midnight: C$4.99
Ruby: C$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
Physical Replacement Card Cost (Optional Service):
Midnight Blue – C$10
Other VISA Cards – C$70
Foreign Currency Administration Fee: 2% on all non-CAD purchases and ATM withdrawals for the Midnight Card (Effective 2 September 2025)
This document is a translation of its English version. In case of conflict, the English version shall prevail.