Best Crypto Card Australia

Best Crypto Card Australia

Andrew Chen
Fact Checked
October 20, 2022

Key Takeaways: There are a variety of cryptocurrency debit cards available in Australia. However, the best crypto card is the CoinSpot Mastercard. It is the most secure and low-cost card that Australian investors can use and supports over 370 tokens that you can spend freely on real-life purchases.

Table of Contents

Best Crypto Card Australia

Platform Highlights

  • CoinSpot offers Australia's most versatile Crypto Card supporting over 370 Cryptocurrencies.
  • CoinSpot Mastercard seamlessly integrates with Apple Pay and Google Pay for iOS & Android users.
  • The lowest fee structure for Crypto Card's in Australia with zero upfront or annual fees.

What is the Best Crypto Card in Australia

For a quick summary, the best crypto card in Australia is the CoinSpot Mastercard, which allows Aussies to spend over 370 tokens at over 20 million merchants globally. Below we have curated a list of the best five crypto cards in Australia, based on fees, security, available tokens, card type, daily limit and customer support.

1. CoinSpot Mastercard

CoinSpot is Australia's most secure cryptocurrency exchange and has an extensive suite of features including crypto trading & staking, bundles (crypto ETFs), an NFT marketplace and a crypto Mastercard. It offers the lowest fees out of any crypto card globally and supports the largest selection of tokens to spend.

  • Fees: 1% conversion fee for crypto > AUD, no additional fees.
  • Supported Cryptos: 370+ Tokens, view the full list here.
  • Daily Limit: $4,999 AUD per 24 hours.
  • Card Type: Digital Card that can only be used through Google Pay and Apple Pay.
  • Support: 24/7 Customer Support via Live Chat, email (support@coinspot.com.au) and online ticketing system.
  • Eligibility Requirements: Users must have a verified CoinSpot account (complete ID verification).
CoinSpot: CoinSpot Mastercard.
CoinSpot: Mastercard.

2. Crypto.com VISA Card

Crypto.com was the first platform to offer a crypto card in the world. It offers unique benefits such as 1-5% cash back on selected purchases and a tiering system. It is regulated by AUSTRAC and is the holder of an Australian Financial Service License (AFSL).

  • Fees: 2% on ATM withdrawals, 1% Top-Up fee, 3% on all non-AUD transactions, $10-$70 fee for closing account or reissuing card & $5AUD fee per month after 12 months of inactivity.
  • Supported Cryptos: 250+ Tokens, view the full list here.
  • Daily Limit: $30,000 AUD per day AND month.
  • Card Type: Physical metal card.
  • Support: 24/7 Customer Support via Live Chat or email (contact@crypto.com).
  • Eligibility Requirements: Users must be verified and have staked CRO for 180 consecutive days prior to applying for the Crypto.com VISA card.
Crypto.com: VISA Card.
Crypto.com: VISA Card.

3. CoinJar Mastercard

CoinJar is one of the leading crypto exchanges in Australia and is fully registered and compliant with AUSTRAC. It was the first Australian cryptocurrency investing platform to offer a crypto card. For every $1 spent, users will earn 1 CoinJar Rewards point. Rewards points can be used to cover the cost of future trades.

  • Fees: 1% fee on all transactions, 3% fee on foreign transactions (non-AUD), 1% fee on ATM withdrawals and a $27.50 fee for transaction disputes.
  • Supported Cryptos: 50 Tokens, see the full list here.
  • Daily Limit: $5000 per 24 hours.
  • Card Type: Physical and digital card.
  • Support: Live chat available from Mon–Fri, 9AM–2AM & Sat–Sun, 9AM–5:30PM (AEST).
  • Eligibility Requirements: Users must have completed the verification process.
Coinjar: Mastercard.
Coinjar: Mastercard.

4. Coinbase VISA Card

Coinbase is a popular cryptocurrency investing platform in the US and is available to use in Australia. Although you can spend AUD on the Coinbase card, it is only available to residents of the US (excluding Hawaii). However, if you're an Australian citizen living in the US, you are eligible.

  • Fees: 2.49% on all transactions including ATM withdrawals plus wide spreads to convert crypto > USD.
  • Supported Cryptos: 230+ Tokens, see full list here.
  • Daily Limit: $1000 USD per 24 hours.
  • Card Type: Physical and digital card.
  • Support: No live support, only support via email request form.
  • Eligibility Requirements: Must reside in the US (excluding Hawaii).
Coinbase: VISA Card.
Coinbase: VISA Card.

5. Binance VISA Card

Binance is the largest exchange in the world by market capitalisation and user base. It offers a VISA card for selected countries, however, it unfortunately does not offer this to Australian residents. Only residents of Europe, Argentina, Brazil and Bahrain can apply for this card. Users can get up to 8% cash back on purchases.

  • Fees: 0.9% conversion fees on all transactions & $25 for card reissuance.
  • Supported Cryptos: 350+ Tokens, see the full list here.
  • Daily Limit: Physical is 8,700 EUR and digital 870 EUR.
  • Card Type: Physical and digital card.
  • Support: 24/7 Customer Support via Live Chat, email (support@binance.com) and online ticketing system.
  • Eligibility Requirements: Must have a fully verified account and reside in Europe, Argentina, Brazil & Bahrain.
Binance: VISA Card.
Binance: VISA Card.

Where can I use a Crypto Card?

The CoinSpot crypto card can be used at any international merchant that accepts Mastercard via Google Pay or Apple Pay. Which includes over 8 million stores in Australia and over 30 million stores globally.

How to use a Crypto Card in Australia

In this guide, we show Aussies how to use the best crypto card in Australia, the CoinSpot Mastercard. To be eligible for a CoinSpot Mastercard, the only requirements are that you are over the age of 18, have a fully verified CoinSpot account and make sure you have 2FA enabled. Follow the below guide to get started.

  1. Download CoinSpot App: Download the CoinSpot app (card is only available on mobile) on iOS or Android.
  2. Open Account: Sign up to the CoinSpot exchange and complete the verification process.
  3. Buy Crypto to Spend: Go to 'Buy/Sell', find the token you want to spend on your card and purchase it.
  4. Add Card to Wallet: Click your profile icon, then 'CoinSpot Mastercard' and tap 'Contact Support'.
  5. Wait for Confirmation: CoinSpot will shortly approve your card and you can use it on Apple Pay or Google Pay.
How to use a Crypto Card in Australia.
How to use a Crypto Card in Australia.

What is a Crypto Card?

A crypto card is a physical or digital card that allows holders to spend their tokens in the same way they would use a traditional debit or credit card. These cards are linked to a user's cryptocurrency wallet and allow for instantaneous conversion of cryptocurrencies into fiat currencies at the point of sale.

Crypto cards also offer additional benefits such as cash-back rewards and the ability to hold multiple currencies on one card. While they were initially only available to a select few, crypto cards have become increasingly accessible with various providers offering these services to users all over the world.

Overall, crypto cards offer an alternative payment solution for those holding or interested in using cryptocurrencies in their daily lives. They provide the same functionality and convenience as traditional cards, while also allowing for seamless spending of digital assets.


Andrew Chen

Former Bitcoin Maximalist turned multi-chain enjoyer. I hunt down the best yields across AVAX, Solana, Fantom and other networks.

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