---
title: "RedotPay card fees and limits"
description: "Every RedotPay card fee and limit as a text table: card prices, the 1.2% foreign-currency fee, 1% crypto conversion, ATM fees, merchant fees, and what one payment really costs."
---

> Documentation Index
> Fetch the complete documentation index at: https://redotdocs.com/llms.txt
> Use this file to discover all available pages before exploring further.

# RedotPay card fees and limits

RedotPay publishes its fee schedule as an image. Here it is as text, with worked examples.

> **Checked 30 October 2026**
>
> Figures from RedotPay's official fee schedule, effective 1 December 2025, and its help centre. RedotPay can change them at any time; the app and the help centre have the final word.

## In short

- **Cards**: 10 USD for a [virtual card](/en/cards/virtual-vs-physical/), 100 USD for a [physical card](/en/cards/physical-card/), paid once. 20% off with our [promo codes](/en/getting-started/promo-code/).
- **No running costs**: no monthly or annual fee, and deposits are free.
- **Paying in your card's currency**: free. **In any other currency**: 1.2%.
- **Spending crypto**: 1% to convert it.
- **Everything that isn't a card payment**, from PayPal to international transfers and P2P, is on [fees beyond the card](/en/fees-limits/deposit-transfer-fees/).

## Card fees

| | Fee |
|---|---|
| Virtual card | 10 USD |
| Physical card | 100 USD |
| Physical card delivery | Standard mail free. DHL Express priced at checkout, by country |
| Replacing a virtual card | 5 USD the first time, 10 USD each time after |
| Account maintenance, monthly or annual | Free |
| Deposits | Free |

The optional RedotPay Pro subscription (12.90 USD a month or 129 USD a year) waives one card fee and adds 3% cashback on [Apple Pay and Google Pay](/en/cards/mobile-wallets/); we work out [whether Pro is worth it](/en/fees-limits/redotpay-pro/).

## Fees when you pay

| | Fee |
|---|---|
| Payment in your card's currency | Free |
| Payment in another currency | 1.2% |
| Crypto conversion, when your crypto is converted to pay | 1% |
| Payments of 1 USD or less | First 5 per card each month free, then 0.20 USD each |
| Declined payments | First 3 per card each month free, then 0.50 USD each |
| Payments to some merchants (list below) | 1.5%, at least 0.50 USD. First 3 per card each month free |

A payment can be declined for an insufficient balance, a frozen or lost card, or wrong card details. Topping up before you pay avoids using up your free declines.

### Merchants with a 1.5% fee

| Merchant | Since |
|---|---|
| Free Fire | 6 Dec 2024 |
| PUBG Mobile | 6 Dec 2024 |
| Brawl Stars | 6 Dec 2024 |
| eFootball | 6 Dec 2024 |
| Facebook Ads | 6 Dec 2024 |
| Discord | 24 Dec 2024 |
| Gulf Health Counsel | 7 Nov 2024 |

The free count resets on the 1st of each month at 00:00 UTC. RedotPay reviews this list regularly.

## ATM fees

Cash withdrawals need the physical card.

| | HKD card | USD card |
|---|---|---|
| ATM fee | 2% | 2% up to 10,000 USD a month, 3% on the amount above |

The 1.2% other-currency fee and the 1% crypto conversion can also apply to a withdrawal.

## What one payment costs

Each example is paid from a USDT balance with a USD card.

| Example | Fees that apply | Total fee |
|---|---|---|
| 100 USD online purchase charged in USD | 1% conversion | about 1.00 USD |
| 100 USD worth charged in euros | 1.2% other currency + 1% conversion | about 2.20 USD |
| 10 USD Free Fire top-up, your 4th that month | 1.5% merchant fee, raised to the 0.50 USD minimum, + 1% conversion | about 0.60 USD |
| Cash worth 200 USD from an ATM, in local currency | 2% ATM + 1.2% other currency + 1% conversion | about 8.40 USD |

These apply the official percentages to the purchase amount. The amount in your history can differ slightly, because exchange rates move between paying and settlement.

## Limits

These are RedotPay's ceilings for each card.

| | HKD card | USD card |
|---|---|---|
| Per payment | 100,000 USD | 100,000 USD |
| Per day | 1,000,000 USD | 1,000,000 USD |
| ATM withdrawals | 3 a day, 30 a month | 3 a day, 30 a month |
| ATM amount per day | 23,000 HKD | 3,750 USD |
| ATM amount per month | 75,000 HKD | 50,000 USD |

For USD cards in some countries and regions, the [ATM](/en/cards/atm-withdrawals/) limits are 3,000 USD a day and 10,000 USD a month. There's no limit on your balance.

### Your card's own limits

Each card also has its own limits, which you set yourself. Open the **Card** tab and tap **Limit**.

For other reasons a payment fails, see [why was my card declined?](/en/troubleshooting/card-declined/)

Sources: RedotPay help-centre articles "RedotPay Card Limitations & Fees" (schedule effective 1 Dec 2025), "Which Purchases Have a Transaction Fee?" and "Can I Withdraw Cash from an ATM, and Are There Any Fees?" (checked 30 Oct 2026).

Source: https://redotdocs.com/en/fees-limits/index.mdx