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Difference Between Crypto.com Cards

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Crypto.com cards may seem too good to be true, and some of them may even appear inaccessible due to their high entry requirements. That's why it's important to be aware of their characteristics before ordering one.

The main difference between Crypto.com cards is their design and the benefits they offer; cashback, free services (Spotify, Amazon Prime, Netflix…), or even access to airport lounges. These different tiers of cards are accessible through varying levels of CRO staking, Crypto.com's crypto-currency.

Read our article to learn more about the differences between the five Crypto.com card tiers and how to get a free $25 in CRO when you order your card.

What's the Crypto.com Card?

Crypto.com cards are Visa cards issued by Singapore-based crypto-currency exchange Crypto.com. It is one of the most popular crypto exchanges in the world, offering a web and mobile application used by over 10 million users.

crypto com arena
The Lakers' Los Angeles arena, formerly Staples Center, was renamed Crypto.com on December 25, 2021

Since 2018, Crypto.com has offered its users a Visa card linked to their crypto-currency wallet, which can be topped up either in crypto-currencies or directly in fiat currency (€, $…) via wire transfer or credit card.

Crypto.com cards have five different tiers with their own benefits and entry levels. They are all free, without any fees, but in order to access the different card tiers, you must own CRO (the platform's crypto-currency) and agree to lock some of it for six months (called staking) to get the corresponding rewards in exchange.

crypto com cards
The seven different shades of Crypto.com cards, some levels having two shades

Once the amount of CRO has been staked, you can order your Visa card via the mobile app. The virtual version of the card is delivered very quickly on the app, so you can start using it almost instantly. You can then order the physical version of your Crypto.com card, free of charge, by going to the corresponding tab in the app and entering your address for delivery.

We will now take a closer look at the differences between the 5 Crypto.com card tiers: Midnight BlueRuby SteelRoyal Indigo & Jade GreenFrosted Rose & Icy White and Obsidian.

Differences Between Crypto.com Cards


The amount of CRO to be staked for six months is different depending on the tier of the card you want to have. The different tiers are $0 (Midnight Blue), $400 (Ruby Steel), $4,000 (Royal Indigo & Jade Green), $40,000 (Frosted Rose & Icy White) and $400,000 (Obsidian).

In addition, starting from $4,000 of staked CRO, you get 4% APR of staking interest, which goes up to 8% at the $40,000 tier.

At the end of the six months of staking, you get your CRO back and you can decide to re-stake some of them to continue enjoying the benefits or simply sell them since they are back in your possession.


The main benefit of Crypto.com cards and the main reason why they are so popular is the cashback offer. Indeed, for all your purchases made with your card, Crypto.com instantly gives you a fixed percentage of that purchase in CRO on your crypto-currency wallet.

This percentage varies from 1% to 5% depending on your staking level, which is very interesting financially. Since the Crypto.com card can be used almost anywhere in the world, this feature allows us to recover a nice portion of our daily expenses.

Crypto.com Earn

Earn is a service offered by Crypto.com that allows you to earn interest on various crypto-currencies. Crypto.com cards, starting from the Royal Indigo & Jade Green tier ($4,000 of staking), allow increasing these rewards by 2%.

You can simulate the rewards earned with this service depending on your card tier on the Crypto.com website.

Reimbursed services

Having your favorite subscriptions refunded every month is one of the many other benefits of Crypto.com cards. Among these services, you can find Spotify, Netflix and Amazon Prime refunded at 100% and Expedia and Airbnb refunded at 10%.

However, not all card levels offer this reward. For more information, you can refer to the table below.

This refund works like the cashback system, meaning that you have to pay for these services with your Crypto.com card and upon payment, they will be refunded directly in CRO to your crypto-currency wallet.

Airport lounges

Those who fly often know how long the wait can be at the airport, in addition to overpriced restaurants and cafes.

Crypto.com offers its Obsidian, Frosted Rose Gold & Icy White and Royal Indigo & Jade Green cardholders free access to more than 1,100 lounges in over 500 airports to alleviate this problem.

These airport lounges typically offer comfortable seating for resting, complimentary beverages and snacks, and other services depending on the size of the lounge.

Referral Bonus

Crypto.com has a referral offer that provides $25 in CRO to both the referrer and the referral on the sole condition that the referral orders a minimum Ruby Steel tier card within 30 days of signing up.

This means that the referral must stake a minimum of $400 in CRO for six months.

If you want to order a Crypto.com card and benefit from this offer, you can click on this link and enter the code h6qmvdhzrs when you register.

*Enter the code h6qmvdhzrs when registering in order to receive the $25

Crypto.com Cards Comparison Chart

CardsMidnight BlueRuby SteelRoyal Indigo & Jade GreenFrosted Rose Gold & Icy WhiteObsidian
Amount of CRO to stake0€$400$4,000$40,000$400,000
Staking interest (CRO)0%0%4% APR8% APR8% APR
Monthly Cashback Rewards Cap-$25$50--
Earn Reward Bonus--+2%+2%+2%
Amazon Prime---100%100%
Airport lounges--YesYes + 1 guestYes + 1 guest
Free ATM Withdrawal per month$200$400$800$1,000$1,000
Metal cardNoYesYesYesYes
Eligible for the $25 registration bonusNoYes, click here and enter the code h6qmvdhzrs when registeringYes, click here and enter the code h6qmvdhzrs when registeringYes, click here and enter the code h6qmvdhzrs when registeringYes, click here and enter the code h6qmvdhzrs when registering

*Enter the code h6qmvdhzrs when registering in order to receive the $25

Similarities Between Crypto.com Cards

The 5 Crypto.com cards have many things in common. They are all topped up directly on your phone with the Crypto.com application; the operation is the same for all card tiers.

All cards offer a fixed percentage of cashback in CRO on all your purchases, which allows you to make significant savings.

Finally, they are all free of charge, the only condition of entry being the staking in CRO of the amount corresponding to the desired card tier.

Frequently Asked Questions

How do I get a free $25 in CRO when I order my Crypto.com card?

You are eligible for a $25 CRO bonus if you order a Crypto.com card with a Ruby Steel tier or higher, equivalent to $400 in CRO staking. To do so, you can click on this link to sign up and enter the code h6qmvdhzrs.

Does the Crypto.com card support contactless payment?

Yes, the Crypto.com card has contactless payment. It can be activated and deactivated in the application settings.

Do I have to wait 6 months to get my Crypto.com card?

No, you don't have to wait 6 months to get your Crypto.com card; you only have to stake a fixed amount in CRO, the platform's crypto-currency, for 6 months. At the end of these 6 months, you can re-stake your CRO to keep all your benefits, or withdraw them.

Is the Crypto.com card a credit card?

No, the Crypto.com card is not a credit card but a prepaid card. It is basically the same as a debit card, except that a debit card charges you directly to your bank account, whereas a prepaid card must be topped up.


Crypto.com cards are very attractive due to their rewards and the fact that they cost nothing, except for the amount of CRO staked that is recovered at the end.

The cashback is a great way to save money in the long run; it can be used back directly on the card or invested in other Crypto.com products, like Earn.

Personally, I recommend starting with a Ruby Steel card to get familiar with the application and start earning some rewards. Then, at the end of the first staking period, you can upgrade to the Royal Indigo & Jade Green level which, in my opinion, is the most interesting as it allows you to have 4% APR interest on your CRO staking, in addition to having a 2% cashback.

It is important to keep in mind that CRO can lose its value at any time. I, therefore, advise you to stake an amount of CRO that you can afford to lose without putting yourself in financial danger.


Feel free to comment and discuss about the article in the comment space below if you have any information or remarks to add. If you think we made a mistake, you can also report it there.
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About the Author: Nicolas Seignette

Nicolas Seignette, who holds a scientific baccalaureate, began his studies in mathematics and computer science applied to human and social sciences (MIASHS). He then continued his university studies with a DEUST WMI (Webmaster and Internet professions) at the University of Limoges before finishing his course with a professional license specialized in the IT professions. On 10Differences, he is in charge of the research and the writing of the articles concerning technology, sciences and mathematics.
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