For most people the real RedotPay cost is not the card fee but the spending rows: a purchase in the card's own currency has no RedotPay fee, while a purchase in another currency costs 1.2%, and converting crypto adds 1%. Start with the 10 USD virtual card unless you need ATM cash, because only the 100 USD physical card can withdraw at ATMs. RedotPay Pro only pays off if you use its specific waivers and spend enough through Apple Pay or Google Pay.
Full RedotPay fee table
RedotPay publishes its fees as an image in the help-center article Card Limitations & Fees. The table below restates it, cross-checked against the card-fee and ATM-fee articles on October 19, 2026.
| Fee | Official amount | Notes |
|---|---|---|
| Virtual card application | 10 USD | One-time, deducted from your balance when the card is issued. |
| Physical card application | 100 USD | One-time. Needed for ATM withdrawals. |
| Physical card mailing | Standard mail free; DHL Express priced at checkout | Express price depends on your address. |
| Virtual card replacement | 5 USD the first time, 10 USD each time after | Applies when you replace the virtual card. |
| Spending in the card's currency | No fee | Listed as "Default Currency Transaction: Waived". |
| Spending in another currency | 1.2% | The foreign transaction fee. |
| Crypto conversion | 1% | Listed as "Transaction Fee" for converting crypto. |
| ATM withdrawal, HKD card | 2% | Plus any ATM operator fee. |
| ATM withdrawal, USD card | 2% up to 10,000 USD a month, 3% on the amount above | Plus any ATM operator fee. |
| Small authorizations (1 USD or less) | First 5 per card each month free, then 0.2 USD each | Transactions of 1.00 USD or less. |
| Declined transactions | First 3 per card each month free, then 0.5 USD each | Causes include low balance, a frozen or lost card, or wrong card details. |
| Account maintenance | No fee | No monthly or annual account fee. |
| Deposit | Free | Blockchain network fees charged by the sending wallet or exchange are separate. |
The 5 USDs sign-up reward cannot be used toward the card fee; RedotPay's card-fee article says it is for spending only. See the RedotPay invite code guide for how that reward works.
RedotPay spending fees: 0%, 1.2% and 1%
Which row applies depends on the card currency, the merchant's currency and what your balance is held in. A purchase in the card's own currency has no RedotPay transaction fee. A purchase in another currency costs 1.2%. When crypto is converted, the 1% conversion row applies, so a foreign-currency purchase paid from a crypto balance can involve both.
Still check the transaction detail for a conversion row if your balance is held in crypto.
Before any crypto conversion or merchant-side charge.
If both rows apply to one purchase, the total is about 22 USD per 1,000 USD.
RedotPay ATM withdrawal fee
RedotPay's ATM article says you can withdraw cash with the physical card at any ATM that supports major card networks. HKD cards pay 2%. USD cards pay 2% on up to 10,000 USD of withdrawals in a month and 3% on the amount above that. ATM operators and local banks can add their own fee, which RedotPay does not control.
Plus the ATM operator's fee shown on the ATM screen.
2% on the first 10,000 USD, 3% on the 2,000 USD above it.
Worth up to 20 USD a month at 2%; operator fees still apply.
RedotPay withdrawal limits and spending limits
The limits come from the same fee-table image, checked on October 19, 2026. The withdrawal count is the same for both card currencies; the amount limit depends on whether you hold an HKD or a USD card.
| Limit | HKD card | USD card |
|---|---|---|
| ATM withdrawals (count) | 3 a day, 30 a month | 3 a day, 30 a month |
| ATM amount per day | 23,000 HKD | 3,750 USD (3,000 USD in some countries and regions) |
| ATM amount per month | 75,000 HKD | 50,000 USD (10,000 USD in some countries and regions) |
| Card spending per transaction | 100,000 USD | 100,000 USD |
| Card spending per day | 1,000,000 USD | 1,000,000 USD |
| Balance | Unlimited | Unlimited |
RedotPay does not name the countries where the lower 3,000 USD / 10,000 USD limit applies, and the table adds that actual cash withdrawal amounts apply, so an ATM's own limit can be lower. Treat the app and the ATM screen as the final word before a large withdrawal.
What RedotPay Pro waives
RedotPay Pro costs 12.90 USD a month or 129 USD a year. Its fee benefits are narrow, so check them against the rows you actually use.
| Benefit | Monthly plan | Annual plan |
|---|---|---|
| Card fee waiver | 10 USD virtual card fee, once | 100 USD physical card fee, once |
| ATM fee waiver | None | Up to 1,000 USD of withdrawals a month free of RedotPay's ATM fee |
| Cashback | 3% on Apple Pay and Google Pay, up to 18 USDs a month | 3% on Apple Pay and Google Pay, up to 18 USDs a month |
| 1.2% and 1% rows | Unchanged | Unchanged |
The breakeven math is in the RedotPay Pro review.
How to apply: checks before the non-refundable payment
Check eligibility before you fund the application. RedotPay's virtual and physical application guides, rechecked October 22, 2026, say that paying confirms the application and it cannot be cancelled or refunded. Start with the citizenship, residence, KYC and delivery checks.
- Choose your card in [Card]. The official steps show [Apply for card · 10 USD] for virtual, or [Physical card] then [Apply for card · 100 USD]. Read your own final price before paying.
- Review the details. Enter billing and shipping addresses in English. Check country, city, state or province, postcode and phone number. The printed cardholder name cannot be changed after issuance; this is not a blanket statement that every address field is permanently locked.
- Confirm the balance and payment. The 5 USDs welcome reward cannot cover issuance. Save the fee and address confirmation before tapping [Pay]. Stop if eligibility or the details are unresolved.
Sources: virtual-card application and physical-card application.
Referral link: we may earn a commission. Opening the link does not confirm approval or pay a card fee.App screens to check before paying any card fee
The help center gives the baseline, but the app decides whether your account can apply, which card type is offered and which fee preview is shown. The card fee is taken from your balance when the card is issued, so check eligibility first. In September 2026, South Korean users were reportedly blocked at the application screen even though Korea is not on RedotPay's restriction lists; see RedotPay in Japan and South Korea.
Before you pay or withdraw: the small fees people miss
The headline 10 USD, 1.2% and 2% are easy to remember. These rows from the same fee table and the RedotPay Pro help article, checked on October 19, 2026, are the ones that surprise people.
- Tiny authorizations. Transactions of 1.00 USD or less are free for the first 5 per card each month, then 0.2 USD each.
- Declined attempts. The first 3 declines per card each month are free, then 0.5 USD each. RedotPay lists insufficient balance, a frozen or lost card and wrong card details as causes, so top up before you test instead of retrying.
- Stacked rows on one purchase. A purchase in another currency paid from a crypto balance can carry both the 1.2% row and the 1% conversion row.
- Replacing the virtual card. 5 USD the first time, 10 USD every time after.
- Pro's ATM waiver follows your billing date. The 1,000 USD monthly waiver resets on your membership billing date, not on the 1st (RedotPay's example: join on April 3, the waiver runs April 3 to May 3), and it never covers the ATM operator's own fee.
- Pro cashback is spend-only. The up to 18 USDs a month is usable only for card transactions and expires after 30 days.
- The printed cardholder name is permanent. Billing and shipping addresses must be in English, and the cardholder name on the billing address is printed on the card and cannot be changed after issuance.
1.2% × 500 = 6.00 USD plus 1% × 500 = 5.00 USD. In the card's own currency the 1.2% row disappears and only 5.00 USD of conversion remains.
First 3 free, then 4 × 0.5 = 2.00 USD. Eight 1 USD authorizations add (8 − 5) × 0.2 = 0.60 USD.
Confirm USD or HKD card, keep enough balance to avoid declines, and read the operator fee on the ATM screen before accepting.
Records to save before and after the first test
- Card screen with virtual or physical card selection, application fee, account eligibility and Upgrade status.
- Billing address, shipping option, physical-card activation and PIN screen if applying for a physical card.
- Transaction preview, merchant currency, card currency, funding asset, crypto conversion row and final statement.
- ATM screen, local operator fee, RedotPay transaction detail, withdrawal amount, timestamp and support ticket if a withdrawal fails.
- Pro membership screen, card-fee waiver, cashback cap, ATM waiver used credit and renewal date if using Pro.
FAQ
Can I cancel a RedotPay card application after paying?
RedotPay's virtual and physical card guides say payment confirms the application and it cannot be cancelled or refunded. Check eligibility, card type, name, address and the final fee before tapping Pay.
How much are RedotPay fees?
RedotPay's help center, checked on October 19, 2026, lists a one-time 10 USD fee for a virtual card and 100 USD for a physical card, no account maintenance fee, no fee for spending in the card's own currency, 1.2% for spending in other currencies, 1% for crypto conversion and a 2% ATM fee (3% on the part of a USD card's monthly ATM withdrawals above 10,000 USD). Confirm the fee preview in the app before paying.
What is the RedotPay withdrawal limit?
RedotPay's fee table, checked on October 19, 2026, allows 3 ATM withdrawals per day and 30 per month. USD cards can withdraw up to 3,750 USD a day and 50,000 USD a month, and HKD cards up to 23,000 HKD a day and 75,000 HKD a month. In some countries and regions, USD cards are limited to 3,000 USD a day and 10,000 USD a month. The ATM operator's own limit can be lower.
What is the RedotPay ATM withdrawal fee?
Cash withdrawals need the physical card. RedotPay charges 2% on HKD cards. On USD cards it charges 2% on up to 10,000 USD of ATM withdrawals in a month and 3% on the amount above that. Fees charged by the ATM operator or local bank are separate, so a 300 USD withdrawal on a USD card costs 6 USD in RedotPay fees plus any operator fee.
Does RedotPay charge a monthly fee?
No. RedotPay's fee table lists account maintenance, including monthly and annual fees, as waived. The only recurring fee is the optional RedotPay Pro membership at 12.90 USD a month or 129 USD a year.
What is the RedotPay foreign transaction fee?
RedotPay charges 1.2% when a purchase is in a currency other than the card's own currency. A separate 1% crypto conversion fee applies when crypto is converted, so a foreign-currency purchase funded from a crypto balance can involve both rows. Check the transaction detail in the app to see which rows were charged.
Does RedotPay Pro reduce card or ATM fees?
Partly. The monthly plan waives the 10 USD virtual card fee once. The annual plan waives the 100 USD physical card fee once and makes up to 1,000 USD of ATM withdrawals a month free of RedotPay's own ATM fee. Both plans pay 3% cashback on Apple Pay and Google Pay purchases, capped at 18 USDs a month. Pro does not change the 1.2% or 1% rows.
How much do small or declined card attempts cost on RedotPay?
RedotPay's fee table gives each card 5 free authorizations of 1.00 USD or less a month, then 0.2 USD each, and 3 free declined transactions a month, then 0.5 USD each. Seven declines in one month therefore cost 4 x 0.5 = 2.00 USD. Keeping enough balance avoids insufficient balance, the first decline reason RedotPay lists.
Official sources checked
All fees and limits were rechecked on RedotPay's help center on October 19, 2026. Fees, limits and Pro benefits can change; check the live app screen before applying, funding or withdrawing cash.