HKD Pro
Good
- No foreign transaction fee and no monthly fee
- Virtual cards from 10 USDT, issued in the app within seconds
- Top up with USDT, USDC, BTC, ETH, XRP or SOL
- A 79.9 USDT physical card works at ATMs
Watch out
- 1.8% fee on every virtual card top-up
- No published cashback rate, only points for the Rewards Mall
- Virtual cards can't withdraw cash
- Apple Pay works on only two of the four cards
Cwallet Cozy Card is a crypto-funded card you open inside the Cwallet app, with virtual cards from 10 USDT and a physical card for 79.9 USDT. Every virtual card charges 1.8% when you top up and nothing on foreign payments. Spending earns points for Cwallet's Rewards Mall, with no fixed cashback rate.
Cozy Card is a family of four cards, each with its own issuing country, activation fee and wallet support. HKD Pro, USD Pro and USD Master are virtual, and USD Premium is the physical card for anyone who needs cash from ATMs.
Cwallet Cozy Card cashback
Cwallet Cozy Card has no fixed cashback rate, but since March 20, 2026 every purchase earns points that you can swap for crypto in Cwallet's Rewards Mall.
The Rewards Mall lists USDT rewards from 1 to 50 USDT, plus DOGE, TRX, PEPE and PENGU, and some gaming gift cards. Redeemed crypto lands in your Cwallet balance, where you can trade it, withdraw it or load it back onto the card.
Cwallet doesn't publish how many points a dollar of spending earns, so there's no way to compare the points with a percentage cashback card before you start. Treat them as a small bonus, and choose the card for its fees and the merchants it works with.
Points accrue automatically on both virtual and physical cards, and you don't need to opt in.
| Plan | To unlock | Base cashback | FX fee | Card |
|---|---|---|---|---|
 HKD Pro | Free | — | 0% | —, virtual $10 |
 USD Pro | Free | — | 0% | —, virtual $12 |
 USD Master | Free | — | 0% | —, virtual $12 |
 USD Premium | Free | — | 0% | $79.90 |
Cwallet Cozy Card fees
Cwallet Cozy Card has no monthly fee and no foreign transaction fee, and the main running cost is the 1.8% charged each time you top up a virtual card.
Every dollar you spend has to be loaded first, so the top-up fee works like a spending fee. Loading $500 for a month of subscriptions costs $9, and $2,000 of monthly spending costs $36 in top-up fees. Cwallet doesn't publish the top-up fee for the physical USD Premium card.
The activation fees differ by card. HKD Pro costs 10 USDT, while USD Pro and USD Master cost 12 USDT each, and the three virtual cards also ask for a 50 USDT first top-up. USD Premium costs 79.9 USDT and needs no first top-up.
Which card to pick depends mostly on where you pay. USD Master is the one Cwallet recommends for ChatGPT, Claude and Midjourney, HKD Pro is aimed at mobile payments in Asia, and USD Pro is the general online card. A card is frozen after three failed payments in a row, and unfreezing it means contacting support or loading at least 20 USDT.
Cwallet Cozy Card ATM withdrawal fees
Cwallet Cozy Card supports ATM withdrawals only on the physical USD Premium card, and Cwallet doesn't list a withdrawal fee for it.
The three virtual cards can't take out cash at all. If cash matters to you, USD Premium is the only option, and you should check the withdrawal fee in the app before relying on it abroad, since the ATM owner may add a charge of its own.
Is Cwallet Cozy Card safe?
Cwallet Cozy Card is custodial: the crypto you top up with sits in your Cwallet account, and Cwallet holds the keys.
Cwallet's wallet services are provided by Amarium s.r.o., a company registered in Bratislava, Slovakia, which says it is working toward authorisation under the EU's MiCA rules but doesn't hold that licence yet. A related company, WEBSEA GLOBAL HOLDING LIMITED, is registered as a money services business in Canada.
On the account side, Cwallet uses two-factor authentication and lets you freeze the card from the app, and the card programme is PCI DSS certified. With a custodial wallet that is still seeking its main licence, it makes sense to keep only the money you plan to spend in the account.
Who should get Cwallet Cozy Card
Cwallet Cozy Card suits people who already hold crypto in Cwallet and want a virtual card for subscriptions, AI tools and online shopping in dollars.
The 0% FX fee helps if you pay in several currencies, and the choice of four cards lets you pick the one that works with the merchants you use. Being able to top up with BTC, ETH, XRP or SOL as well as stablecoins also saves a swap.
The 1.8% top-up fee and the lack of a published cashback rate make the Cwallet Cozy Card a poor choice for everyday spending, because $1,000 a month costs $18 with no fixed return. The comparison below shows the strongest alternatives in your country.
Where Cwallet Cozy Card is available
Cwallet Cozy Card is open to verified users in most countries, with the exception of the jurisdictions on Cwallet's prohibited list.
That list includes Afghanistan, Belarus, Cuba, mainland China, Iran, Iraq, Lebanon, Myanmar, North Korea, Pakistan, Russia, Venezuela and several others under international sanctions, and Cwallet says card availability is subject to local rules.