For Crypto.com Prepaid Visa Card Fees and Limits (Singapore) applicable to non-Singapore residential address users, click here.
ATM Limit
*Note: Singapore residential address users can withdraw cash overseas, however, they cannot withdraw cash within Singapore. Limits are under MAS Payment Services Act 2019 (applicable to Singapore residential address users only).
| Midnight Card | Ruby Card | Indigo / Jade Card | Icy / Rose Card | Obsidian Card |
Free ATM limit per Month (overseas ATMs only – outside Singapore) |
S$200 |
S$400 |
S$800 |
S$1000 |
S$1000 |
ATM withdrawal limit (overseas ATMs only – outside Singapore) | Daily: S$500 Monthly: S$5,000 Yearly: S$10,000 | Daily: S$1,000 Monthly: S$10,000 Yearly: S$30,000 | Daily: S$2,000 Monthly: S$10,000 Yearly: S$30,000 | Daily: S$2,000 Monthly: S$10,000 Yearly: S$30,000 | Daily: S$2,000 Monthly: S$10,000 Yearly: S$30,000 |
ATM withdrawal frequency (overseas 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 – All Card Tiers
| Limit |
Aggregated top-up limit | Daily Limit: S$100,000 Monthly Limit: S$100,000 Rolling 12-Month Limit: S$100,000 |
Aggregated top-up limit with Debit/Credit Card | Daily Limit: S$100,000 Monthly Limit: S$100,000 Rolling 12-Month Limit: S$100,000 |
Minimum top-up limit with Debit/Credit Card | S$20 |
Crypto to card transfer limit | Daily Limit: S$100,000 Monthly Limit: S$100,000 Rolling 12-Month Limit: S$100,000 |
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 Overseas ATM Withdrawals (Outside Singapore; Includes All In-Store and Online Purchases)
Daily Limit: S$100,000
Monthly Limit: S$100,000
Rolling 12-Month Limit: S$100,000
E-Commerce Purchase Limit
To meet the latest Monetary Authority of Singapore (MAS) guidelines, a default limit of S$1,000 will be applied for online transactions made with the Crypto.com Prepaid Card on 20 February 2025.
If you wish to make online transactions exceeding S$1,000, please follow the steps below to remove the limit:
From the Crypto.com App home screen, tap the Card tab
Tap the ‘More’ icon on the right side of the screen
Tap on 'Settings'
Under E-Commerce Transaction, tap 'Remove' and confirm the request and your limit will be removed shortly
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Card Max Balance – All Card Tiers
S$20,000
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 |
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 Blue - 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: 0.5% on all purchases and ATM withdrawals that are not denominated in SGD, AUD, EUR, GBP, HKD, JPY, or USD for the Midnight Card (Effective 2 September 2025)
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.