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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.

4
Cards available in India
0
With INR top-up
8.3
Top editor score

Top picks in India

1
Kolo Card logo

Kolo Card

by Kolo

Indian crypto holders who value self-custody and want a virtual Visa with BTC cashback.

8.3
Read review →
2
Bybit Card logo

Bybit Card

by Bybit

Indian users who already trade on Bybit and want fee-free day-to-day spending with tiered rewards and Auto-Earn.

8.0
Read review →
3
KAST Card logo

KAST Card

by KAST Tech

Indian stablecoin holders who want straightforward USD cashback and a free virtual Visa.

7.8
Read review →
4
RedotPay Card logo

RedotPay Card

by RedotPay

Indians who want to spend USDT/USDC globally, pay for international subscriptions, or use a high-limit virtual card for travel and online payments.

6.8
Read review →

All cards available in India

Kolo Card logo

Kolo Card

by Kolo

8.3
score
prepaid virtual India
Cashback
2% BTC for first 30 days, then 1% BTC
Monthly fee
Free
Bybit Card logo

Bybit Card

by Bybit

8.0
score
prepaid virtual India
Cashback
Up to 10% (tiered, paid in Reward Points; ~2% base)
Monthly fee
Free
KAST Card logo

KAST Card

by KAST Tech

7.8
score
prepaid virtual India
Cashback
Up to 3% in USD (Standard 1.5%, Premium 2%, Private 3%)
Monthly fee
Free
RedotPay Card logo

RedotPay Card

by RedotPay

6.8
score
prepaid virtual India
Cashback
None (yield ~4.5–5% on idle USDT/USDC)
Monthly fee
Free

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

  1. Create an account with a card provider that accepts Indian residents.
  2. Complete KYC using your PAN or passport.
  3. Buy USDT or USDC on an exchange and transfer it to the card provider.
  4. 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.

Frequently asked questions

What is the best crypto card in India?
Based on our editorial scoring, the highest-rated card available to Indian residents right now is Kolo Card. Cards are scored on fees, rewards, privacy and trust, and we flag India-specific factors such as KYC acceptance, INR top-ups and shipping.
Can I get a crypto card in India?
Yes. Indian banks do not issue crypto cards directly, but several offshore platforms accept Indian residents and Indian KYC documents. Most issue a virtual card within minutes; physical cards may be shipped for a fee.
Can I top up a crypto card with INR?
Most crypto cards do not support direct INR top-ups. You typically buy USDT or USDC on an exchange and fund the card with stablecoins. We flag INR top-up support on every card page whenever it is available.
Are crypto cards safe in India?
Safety depends on the issuer. Look for regulated card networks (Visa/Mastercard), clear custody terms, insurance coverage and a track record. Most crypto cards are custodial, meaning the provider holds your funds — never keep more on the card than you plan to spend.
Is spending crypto through a card taxable in India?
In India, crypto is treated as a Virtual Digital Asset. Spending or otherwise disposing of it can be a taxable event, with a 30% tax rate plus applicable surcharge and cess, plus 1% TDS on certain transfers. This is general information, not tax advice — consult a chartered accountant.