Binance Card vs RedotPay Card: which wins?

Cashback, annual fee, FX and ATM charges, custody and country availability — both cards on the same fields, taken from each issuer's published terms; each card page shows when its data was last verified.

PREPAID
Binance — Brazil, Peru & Colombia logo
CASHBACK
3%
ANNUAL FEE
Free
BINANCE CARD
BINANCE — BRAZIL, PERU & COLOMBIA
MASTERCARD

Binance Card

Binance — Brazil, Peru & Colombia
  • No fees
  • No staking
  • Virtual card
  • Apple Pay
PREPAID
RedotPay logo
CASHBACK
None
ANNUAL FEE
Free
REDOTPAY CARD
REDOTPAY
VISA

RedotPay Card

RedotPay
  • No fees
  • No staking
  • Virtual card
  • Apple Pay
OUR SCORE

How we rate them

Our own assessment, not a user rating — four criteria at 25% each, scored against each issuer's published terms. See the scoring model.

Editorial scores for the Binance Card and the RedotPay Card
CriterionBinance CardRedotPay Card
Overall3.9 / 53.3 / 5
Cost 25%3.5No annual or monthly fee. FX is 0% in Colombia and Peru and 1–2% in Brazil, and spending crypto adds a 0.9% conversion fee.3.5No monthly or annual fee, but the card costs $10 (virtual) or $100 (physical), every purchase carries a 1% crypto conversion fee, non-USD purchases add 1.2%, and ATM withdrawals cost 2%.
Conditions 25%4.5Cashback tiers are reached by monthly spending alone — no staking or token holding — though the top tier caps rewards at $100 a month.5.0There is no reward rate to unlock, so nothing is needed beyond identity verification: no spend level, balance, stake or subscription.
Rewards 25%3.5Up to 3% by spending tier, paid in BTC equivalent or USDC. Binance does not publish the spending thresholds, so the mid-tier rate is an estimate.1.0There is no cashback. Spending earns RedotPay points, which can only buy tickets for in-app prize draws and can't be cashed out.
Reliability 25%4.0Large, established issuer with regional terms published, and our figures were re-checked this month. The programme covers only Brazil, Peru and Colombia.3.5RedotPay publishes a dated fee schedule (effective 1 December 2025) and explicit lists of where cards can and can't be issued. The schedule is only an image, though, and several small charges (declines, payments under $1, some merchants) sit outside the headline fees.
THE SHORT VERSION

How they actually differ

  • Rewards arrive in different assets: BRL in Brazil; USDC or BTC equivalent in Colombia and Peru on the Binance Card, No cashback on the RedotPay Card.
  • Binance Card runs on Mastercard; RedotPay Card runs on Visa.
EVERY FIELD

Binance Card vs RedotPay Card, side by side

Full field-by-field comparison of the Binance Card and the RedotPay Card
FieldBinance CardRedotPay Card
Card typePrepaidPrepaid
NetworkMastercardVisa
Max cashbackUp to 3%None
Rewards paid inBRL in Brazil; USDC or BTC equivalent in Colombia and PeruNo cashback
Annual feeFreeFree
Monthly feeNoneFree
FX fee1–2% in Brazil; 0% in Colombia and Peru1.2%
1.20% on purchases in a currency other than the card's default currency. All new cards have been issued in USD since 21 January 2026, so USD purchases carry no FX fee.
ATM feeBrazil: 2 free withdrawals a month, then $1.50 each. Colombia and Peru: virtual card, no ATM access
Cash needs the physical card, which Binance offers in Brazil. In Brazil the limits are 3 withdrawals and 3,000 BRL a day, 30 and 25,000 BRL a month. In Colombia and Peru (Global Program) the card is virtual.
2%
Physical card only. On USD cards, ATM withdrawals cost 2% while your monthly withdrawals stay at or under 10,000 USD, and 3% above that. Older HKD cards pay 2%.
Crypto conversion0.9%1%
RedotPay charges a 1.00% transaction fee on card purchases, which it describes as the cryptocurrency conversion fee.
Where it worksBrazil, Peru, Colombia100+ countries (NOT available in: Afghanistan, Albania, Belarus, Bosnia and Herzegovina, Bouvet Island, Burkina Faso, Burundi, Central African Republic, Democratic Republic of the Congo, Croatia, Cuba, Eritrea, Ethiopia, Guinea-Bissau, Haiti, India, Indonesia, Iran, Iraq, Kosovo, Lebanon, Liberia, Libya, Mainland China, Mali, Montenegro, Morocco, Myanmar, Nepal, Netherlands Antilles, Nicaragua, North Korea, North Macedonia, Russia, Serbia, Singapore, Slovenia, Somalia, South Sudan, Sudan, Syria, Turkey, Ukraine, United States, Venezuela, Yemen, Zimbabwe)
Self-custodyNoNo
No staking neededYesYes
Apple PayYesYes
Google PayYesYes
Virtual cardYesYes

A dash means the issuer has not published that figure — it does not mean zero. See our methodology for how each field is verified. Rewards and availability change often and vary by region. Not financial advice.

COMMON QUESTIONS

Binance Card vs RedotPay Card: common questions

Which is better, the Binance Card or the RedotPay Card?

It depends on what you optimise for. Binance Card is a prepaid card advertising up to 3%; RedotPay Card is a prepaid card with no published cashback rate. Compare their fees, regions and custody model side by side before deciding.

Can I get both the Binance Card and the RedotPay Card?

Usually yes — these are separate products from different issuers, so holding one does not prevent you from applying for the other, provided you meet each issuer's own eligibility and region requirements.

GO DEEPER

Read the full review of each

Binance Card review →RedotPay Card review →Compare three cards instead

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