Best crypto cards in India (2026)
Indian banks do not issue crypto cards directly, but a growing number of offshore Visa and Mastercard platforms accept Indian residents. This guide explains how they work and ranks the best options for spending stablecoins and crypto in India.
Top picks in India
Tuyo Visa Card
by Tuyo
Indian stablecoin holders who want self-custody and yield on idle USDC while keeping spend ability.
Ready Metal Card
by Ready
Indian self-custody users and higher-volume spenders who want a metal card and low FX costs.
Cardano Emerald Visa Card
by Cardano Card (EMURGO)
Indian ADA holders who want to spend and earn cashback in the Cardano ecosystem.
Exactly Visa Card
by Exactly
Indian crypto holders who do not want to sell their assets and are comfortable with DeFi.
Kolo Card
by Kolo
Indian crypto holders who value self-custody and want a virtual Visa with BTC cashback.
All cards available in India
Tuyo Visa Card
by Tuyo
- Cashback
- No cashback (yield up to ~11% APY on USDC deposits)
- Monthly fee
- Free
Ready Metal Card
by Ready
- Cashback
- 10% first 30 days, then 3% (paid in STRK)
- Monthly fee
- $15
Cardano Emerald Visa Card
by Cardano Card (EMURGO)
- Cashback
- Up to 8% crypto cashback (base 2% in ADA)
- Monthly fee
- Free
Exactly Visa Card
by Exactly
- Cashback
- 1% cashback
- Monthly fee
- Free
Kolo Card
by Kolo
- Cashback
- 2% BTC for first 30 days, then 1% BTC
- Monthly fee
- Free
Bybit Card
by Bybit
- Cashback
- Up to 10% (tiered, paid in Reward Points; ~2% base)
- Monthly fee
- Free
KAST Card
by KAST Tech
- Cashback
- Up to 3% in USD (Standard 1.5%, Premium 2%, Private 3%)
- Monthly fee
- Free
Pionex Card
by Pionex
- Cashback
- 1% USDT cashback (offsets the 1% FX fee on non-USD spend)
- Monthly fee
- Free
Zypto Premium Physical Card
by Zypto
- Cashback
- Rewards on load, spend and referrals (varies)
- Monthly fee
- Free
Nocturne Aurora Card
by Nocturne
- Cashback
- No cashback
- Monthly fee
- Free
RedotPay Card
by RedotPay
- Cashback
- None (yield ~4.5–5% on idle USDT/USDC)
- Monthly fee
- Free
WaldenPay Premium Virtual Card
by WaldenPay
- Cashback
- No cashback
- Monthly fee
- Free
XPlace Card
by XPlace (Pontech Group)
- Cashback
- Up to 4% in USDC (by tier)
- Monthly fee
- Basic free
Oobit Crypto Card
by Oobit
- Cashback
- Up to 10% in OOB or 5% in USDT
- Monthly fee
- Free
Solayer Pay Card
by Solayer
- Cashback
- Points and referral rewards (no base cashback)
- Monthly fee
- Free
Kripicard Gold Tier
by Kripicard
- Cashback
- No cashback
- Monthly fee
- ~$1.5/mo
How crypto cards work in India
A crypto card works like a regular debit or prepaid card, except it is funded with crypto instead of rupees. When you pay, the provider converts your crypto to fiat at the point of sale and settles with the merchant over the Visa or Mastercard network. Because most cards in India are issued offshore, you fund them with stablecoins such as USDT or USDC rather than INR.
Typical steps
- Create an account with a card provider that accepts Indian residents.
- Complete KYC using your PAN or passport.
- Buy USDT or USDC on an exchange and transfer it to the card provider.
- Use the virtual card online or add it to Apple Pay / Google Pay; order a physical card if needed.
What to watch out for
- Fees stack up: look at issuance, conversion, FX and ATM fees together, not just the monthly fee.
- Custody: most cards are custodial — the provider holds your funds.
- Tax: spending crypto can be a taxable disposal in India. Keep records and talk to a CA.