ATM Limit
| Midnight Card | Ruby Card | Indigo / Jade Card | Icy / Rose Card | Obsidian Card |
Free ATM limit (Monthly) | US$200 | US$400 | US$800 | US$1,000 | US$1,000 |
ATM withdrawal limit | Daily: US$500 Monthly: US$5,000 Yearly: No limit | Daily: US$1,000 Monthly: US$10,000 Yearly: No limit | Daily: US$2,000 Monthly: US$10,000 Yearly: No limit | Daily: US$2,000 Monthly: US$10,000 Yearly: No limit | Daily: US$2,000 Monthly: US$10,000 Yearly: No limit |
ATM withdrawal frequency | 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: US$10,000 Monthly: US$25,000 Yearly: No limit | Daily: US$10,000 Monthly: US$25,000 Yearly: No limit | Daily: US$10,000 Monthly: US$25,000 Yearly: No limit | Daily: US$10,000 Monthly: US$25,000 Yearly: No limit | Daily: US$10,000 Monthly: US$25,000 Yearly: No limit |
Aggregated top-up limit with Debit / Credit Card | Daily: US$250 Monthly: US$2,000 Yearly: No limit | Daily: US$1,000 Monthly: US$5,000 Yearly: No limit | Daily: US$1,000 Monthly: US$5,000 Yearly: No limit | Daily: US$1,000 Monthly: US$5,000 Yearly: No limit | Daily: US$1,000 Monthly: US$5,000 Yearly: No limit |
Minimum top-up with Debit / Credit Card |
US$20 | US$20 | US$20 | US$20 | US$20 |
Aggregated top-up limit with PayPal | Daily: US$1,000 Monthly: US$5,000 Yearly: No limit | Daily: US$5,000 Monthly: US$15,000 Yearly: No limit | Daily: US$5,000 Monthly: US$15,000 Yearly: No limit | Daily: US$5,000 Monthly: US$15,000 Yearly: No limit | Daily: US$5,000 Monthly: US$15,000 Yearly: No limit |
Cash account to card transfer limit | Daily: US$10,000 Monthly: US$25,000 Yearly: No limit | Daily: US$10,000 Monthly: US$25,000 Yearly: No limit | Daily: US$10,000 Monthly: US$25,000 Yearly: No limit | Daily: US$10,000 Monthly: US$25,000 Yearly: No limit | Daily: US$10,000 Monthly: US$25,000 Yearly: No limit |
Crypto to card transfer limit | Daily: US$10,000 Monthly: US$25,000 Yearly: No limit | Daily: US$10,000 Monthly: US$25,000 Yearly: No limit | Daily: US$10,000 Monthly: US$25,000 Yearly: No limit | Daily: US$10,000 Monthly: US$25,000 Yearly: No limit | Daily: US$10,000 Monthly: US$25,000 Yearly: No limit |
Card to card transfer limit | Daily: US$100 Monthly: US$3,000 Yearly: No limit | Daily: US$500 Monthly: US$5,000 Yearly: No limit | Daily: US$500 Monthly: US$5,000 Yearly: No limit | Daily: US$500 Monthly: US$5,000 Yearly: No limit | Daily: US$500 Monthly: US$5,000 Yearly: No limit |
Load Frequency – All Card Tiers
Daily limit: 12
Monthly limit: 300
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 EST.
Monthly and Yearly calendar limits reset at 00:00 EST 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: US$10,000 Monthly: US$15,000 | Daily: US$25,000 Monthly: US$25,000 | Daily: US$25,000 Monthly: US$25,000 | Daily: US$25,000 Monthly: US$25,000 | Daily: US$25,000 Monthly: US$25,000 |
POS frequency (for magnetic stripe transactions only) | Daily: 20 | Daily: 30 | Daily: 30 | Daily: 30 | Daily: 30 |
Note : In addition there is an overall withdrawal limit of USD15,000 per month for Midnight Blue cards and USD25,000 for Metal cards, which includes POS Purchase, ATM withdrawals & Card to Card transfer.
Card Max Balance – All Card Tiers
US$25,000
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 – 1%
Credit – 2.99%
PayPal Top-Up: 2.1%
Reissue Card:
Midnight Blue – US$7
Other VISA Cards – US$50
Card Upgrade: Waived
Physical Card Issuance Fee:
Midnight: US$4.99
Ruby: US$29.99 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: 3% on all non-USD purchases and ATM withdrawals for Midnight, Ruby, Jade/Indigo Cards (Effective 1 December 2022)
Inactivity: US$4.95 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.
This document is a translation of its English version. In case of conflict, the English version shall prevail.