The BingX Card is a Visa crypto card you use to pay in regular online and offline stores straight from your USDT balance on BingX: up to 3% cashback per purchase, free card issuance, and no maintenance fees, ever.
There are two versions:
- Virtual, for online payments.
- Physical, for in-store payments and cash withdrawals.
Transactions settle in USD. The card works anywhere Visa is accepted: more than 50 million merchant locations worldwide. It also supports Apple Pay and Google Pay. You spend USDT from your Funds account, cashback comes back to the same account in USDT, and it's not a credit card: you spend your own money, with no credit line and no interest.
Who it's for: anyone already holding USDT on BingX who wants to spend crypto day to day without routing it through a bank. The catch: cashback is capped each month, and the card isn't available in every country yet. We'll cover both below.
How to apply for the BingX Card
Getting the card goes through an application. You reserve the card, BingX reviews the request and emails you once the card is ready to issue. Here's how it works:
- Create a BingX account if you don't have one yet, and complete verification (KYC). To lower your trading fees, enter referral code FZ78ELUK.
- In the menu, click "Buy Crypto" and choose "BingX Card".
- On the card page, click "Reserve now".
- Before the reservation, BingX runs a short survey about the card: what matters to you and how you plan to use it.
- You'll see the "BingX Card reservation successful" screen, which means the request is registered.
- Wait for the email; a copy also lands in your BingX Message Center.
- Once approved, the virtual card activates automatically; the physical one you activate manually in the app after it arrives.
There's no separate fee to apply. Issuing the card is free.
Where the BingX Card is available
The card is rolling out in phases. The pre-launch runs from June 25 to July 26, 2026, when you can reserve the card in advance. The official launch is set for July 28, 2026.
The geography is still partial too. At launch, the card is listed for these countries and territories:
- Europe: Andorra, Belgium, Bulgaria, Croatia, Cyprus, Denmark, Estonia, Finland, Gibraltar, Greece, Hungary, Iceland, Ireland, Latvia, Lithuania, Luxembourg, Malta, Monaco, Montenegro, Norway, Portugal, Slovakia, Slovenia, Sweden, Switzerland.
- APAC: Taiwan, Australia, New Zealand, Philippines, Thailand, Vietnam, South Korea, Japan, Malaysia.
- Latin America: Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru.
- Other regions: Israel, Saudi Arabia, UAE, Bahrain, Oman, Kazakhstan, Ukraine, Turkey, South Africa, Kenya, Nigeria, Ghana, Uganda, Azerbaijan, Georgia, Marshall Islands, El Salvador, Guernsey, Isle of Man, Jersey, Moldova, Uzbekistan.
Not on the list: the US, UK, Canada, mainland China, and Singapore, the same regions where the exchange itself is restricted. The card's list will change over time, so check your region on the card page before applying.
How much cashback the BingX Card gives
Base cashback depends on the card type:
- Virtual: 2% on purchases, capped at $50 cashback per month.
- Physical: 3% on purchases, capped at $120 cashback per month.
The 3% and 2% above are the base rates from the official launch on July 28, 2026; during the pre-launch the page shows temporary higher rates.
It sounds like 3%, but why does it come out lower in practice? The monthly cap. On the physical card, 3% maxes out at $120, so the full rate covers roughly your first $4,000 of spending a month, and nothing above that earns cashback. On the virtual card the cap is lower still, $50, so the bonus counts up to about your first $2,500 of spending.
On top of that, keep the 1.5% transaction fee in mind (more on it below). Net benefit is cashback minus that fee: about 1.5% on the physical card within the cap, around 0.5% on the virtual. So even on the physical card the real return is small: the card works better as a convenient way to spend USDT day to day than as a tool for earning on cashback.
Cashback is credited in USDT in your account in real time.
What fees the BingX Card charges
- Transaction fee: 1.5% per purchase.
- Physical card shipping: $30.
- ATM withdrawal: first $200 per month free, then 2% per withdrawal.
- Card issuance: free.
- Annual fee, monthly fee, cancellation: none.
- Inactivity fee: none.
The biggest cost is the 1.5% transaction fee. BingX promises a market exchange rate with no hidden markup, but that doesn't cancel the transaction fee, so the card's real return is calculated with it already factored in.
What else the card does
- Apple Pay and Google Pay. You can link the virtual or physical card to your phone and pay contactless, with no plastic in hand.
- Cash withdrawals. The physical card works at ATMs worldwide, first $200 a month free. The virtual card doesn't dispense cash.
- Acceptance. The card works anywhere Visa is accepted, more than 50 million locations: stores, services, and online checkout abroad.
- Currency. You spend USDT, settlement is in dollars, and there's no separate crypto wallet to set up for the card: it draws straight from your Funds account.
The bottom line
The real value of the BingX Card is simple: it turns the USDT sitting on your exchange balance into money you can spend any day. Pay by phone at a café, pull cash from an ATM on a trip, check out online abroad, all straight from your balance without the long detour through a bank. For anyone already holding USDT on BingX, the card just removes an extra step between holding crypto and spending it.
