BingX Card Review: Fees, Cashback and Virtual vs Metal Tiers

BingX Card is a Visa debit card from the BingX exchange that spends USDT directly from your Fund Account. The virtual card is free and the metal card costs 180 USDT for non-VIPs, every purchase carries a 1.5% trading fee, and cashback runs from 2% to 5% in USDT depending on how much you spent the month before.

The card launched in July 2026, issued by Wirex, and BingX opened applications to all eligible users in September. It replaces an earlier euro Mastercard that BingX offered in 2024, which had a monthly fee and worked on different terms.

BingX Card cashback

BingX Card pays 2% to 3% cashback on the virtual card and 3% to 5% on the metal card, with your tier each month set by your spending in the previous month.

Everyone starts at Tier 1 in their first month. On the virtual card, Tier 1 pays 2% up to a $4 cap, which is used up after $200 of spending. Spend $200 to $1,000 and next month pays 2.5% up to $25, and spend $1,000 or more for 3% up to $100, which runs out at about $3,333 of spending.

The metal card tiers are more generous. Under $500 of spending pays 3% capped at $15, $500 to $2,000 pays 4% capped at $80, and $2,000 or more pays 5% capped at $150, which covers $3,000 of spending. Subscriptions to services such as AI tools and streaming earn 20%, but they share the same monthly cap.

Cashback is credited in USDT as soon as a purchase completes and can be moved to your Fund Account three days later, once you have at least 2 USDT.

BingX Card fees

BingX Card has no annual, monthly, inactivity or cancellation fee, but every purchase carries a 1.5% trading fee when BingX sells your USDT to pay the merchant.

That fee sets the real return on the card. At Tier 1 on the virtual card, 2% back minus 1.5% leaves 0.5%, and only on the first $200. At $1,000 a month on the virtual card's Tier 3, you earn $30 and pay $15 in fees, so the card returns a net $15.

The metal card costs 180 USDT to order unless you are a BingX VIP, and shipping is free. Against the virtual card at $2,000 of monthly spending, the metal card's 5% earns $100 instead of $60, so the extra $40 a month repays the card in under five months.

BingX Card ATM withdrawal fees

BingX Card lets metal cardholders withdraw the first $200 each month without a fee, then charges 2% on each withdrawal after that.

A $300 withdrawal in a month costs $2 in BingX's ATM fee, charged on the $100 above the allowance, and the ATM owner may add its own charge. Withdrawals are limited to $500 a day, up to five times, and $5,000 a month. The virtual card doesn't support ATM withdrawals at all.

Is BingX Card safe?

BingX Card is custodial: the USDT you spend stays in your BingX Fund Account, and BingX holds it until the moment you pay.

The card itself is issued by Wirex, which holds a Visa principal membership. BingX says it keeps a $130 million Shield Fund to cover user losses, and the card uses 3D Secure for online payments, two-factor authentication and instant notifications for every purchase. You can freeze the card in the app with one tap, and the full card number and CVV are only shown after biometric or 2FA checks.

As with any exchange card, keep only the USDT you plan to spend in the Fund Account.

Who should get BingX Card

BingX Card suits BingX users who already hold USDT and spend at least $1,000 a month by card, because that is where cashback clearly beats the 1.5% fee.

A BingX VIP who spends $2,000 or more a month gets the most from it, with a free metal card paying 5% on up to $3,000. Non-VIPs at the same spending level recover the 180 USDT metal card fee within a few months. If you spend less than $200 a month, the $4 cap on Tier 1 makes the card hardly worth the effort, and the comparison below shows better options in your country.

Where BingX Card is available

BingX Card is available in the EEA, Asia-Pacific, Latin America and other selected regions, but not in the United States, the United Kingdom, Canada, the Netherlands, Singapore or Hong Kong.