Ready Metal Card
by Ready
Self-custodial metal Mastercard with STRK cashback
Affiliate disclosure: Some links on this page are affiliate links. If you sign up through them we may earn a commission at no extra cost to you. This does not influence our rankings or scores.
Overview
Ready (formerly Argent) is a premium 16g metal Mastercard built around a self-custodial Starknet smart wallet. It charges no FX, conversion or top-up fees, and pays up to 10% STRK cashback in the first 30 days, then 3%. The catch is a $15 monthly / $120 annual fee, USDC-only spending that requires manual conversion, cashback paid in the volatile STRK token, and a learning curve for self-custody newcomers.
Key facts
- Card type
- Physical
- Card network
- Mastercard
- Custody
- Non-custodial (Starknet smart wallet)
- Cashback
- 10% first 30 days, then 3% (paid in STRK)
- Apple Pay
- No
- Google Pay
- Yes
Unique features
- Self-custodial Starknet smart wallet
- Borrow USDC at rates as low as ~1.19% APR
- 16g metal card
India availability
Ranked among the top cards for Indian residents, Ready offers true self-custody and 0% FX spending. It is funded with USDC rather than INR and carries a monthly fee, so it suits higher-volume spenders. Confirm India eligibility during signup.
Best for Indian users
Indian self-custody users and higher-volume spenders who want a metal card and low FX costs.
- Ready is ranked among the top cards for Indian residents; confirm eligibility during signup as availability varies.
- There is no INR top-up — fund the card with USDC (with BTC/ETH supported).
- It is fully self-custodial via a Starknet smart wallet, so you hold your own keys.
- A monthly Metal fee applies ($15/month or $120/year); cashback is paid in STRK.
- Tax note: spending crypto can be a taxable disposal of a Virtual Digital Asset in India (30% plus surcharge and cess, with 1% TDS in some cases). Informational only — consult a chartered accountant.
Pros & cons
Pros
- 10% cashback in the first 30 days, then 3% ongoing
- True self-custody via a Starknet smart wallet
- No FX fees, conversion fees or top-up fees
- Up to $800/month fee-free ATM withdrawals
- Premium 16g metal card
Cons
- $15/month ($120/year) Metal card fee
- USDC-only spending requires manual conversion
- Not available in the US
- $30,000 monthly spending limit
- Cashback is paid in the volatile STRK token
- Learning curve for self-custody newcomers
Fees
| Monthly fee | $15 |
|---|---|
| Annual fee | $120 |
| Virtual card issuance | Not available |
| Physical card issuance | Free |
| Crypto-to-fiat conversion | None |
| FX / foreign-currency fee | Free |
| ATM fee | 2% (up to $800/month fee-free) |
| Top-up fee | Free |
| Shipping | Free |
| Inactivity fee | None |
$15 monthly / $120 annual Metal fee. No FX, conversion or top-up fees. ATM is about 2% with up to $800/month fee-free. Cashback is paid in STRK. Confirm current terms on the official site.
Limits
Card formats
Physical Card
Available- Material
- Metal (16g)
- Issuance
- Free
- Shipping
- Free
- Replacement
- —
Virtual Card
Unavailable- Issuance
- Not available
- Shipping
- —
KYC requirements
Level 3 of 4 — ID Verification
| Email verification | Required |
|---|---|
| Phone verification | Required |
| Identity document | Required |
| Proof of address | Not Required |
| Selfie verification | Not Required |
Integrations & tech
Supported crypto
Tokens
Chains / networks
Scores
Editor score
How we rate — see our methodology.
Community score
Based on 4 cited sources
Sources
Perks & benefits
- Self-custody with a smart wallet
- Borrow against crypto at low fixed rates
- No FX or conversion fees
- Fee-free ATM withdrawals up to $800/month
Rewards program details
10% cashback in the first 30 days (Metal), then 3% ongoing, paid in STRK. No staking rewards.
Exclusions
- Cashback is paid in STRK, not stablecoins
- USDC-only spending requires manual conversion
Frequently asked questions
Is the Ready Metal Card available in India?
Can I top up Ready with INR?
Does Ready charge a monthly fee?
Similar cards
Kolo Card
by Kolo
- Cashback
- 2% BTC for first 30 days, then 1% BTC
- Monthly fee
- Free
Tuyo Visa Card
by Tuyo
- Cashback
- No cashback (yield up to ~11% APY on USDC deposits)
- Monthly fee
- Free
Exactly Visa Card
by Exactly
- Cashback
- 1% cashback
- Monthly fee
- Free
Ready to get the Ready Metal Card?
Applications are subject to the issuer's eligibility and KYC checks. Always confirm current fees and terms on the official site.
Get this card →