prepaid Card•Referral Bonus•

Based Card

Name: Based Card
Brand: Xfers Pte. Ltd
Availability: InStock

by Xfers Pte. Ltd

Based Cash is a Visa spend product funded with crypto and stablecoins. The official cards page lists two tiers: Premium (called HYPE in the docs; 10,000 $BASED staked, plastic card, 2% cashback in $BASED, 1.5% FX markup, $10/month AI-subscription rebate) and Gold (100,000 $BASED staked, 20g metal card, 4% cashback in $BASED, 0% FX markup, $100/month AI-subscription rebate, $20/month Netflix/Spotify/YouTube rebate, 4 airport lounge visits per year). The docs list Based Orange (virtual-only) as not yet available. No top-up fees for USDT and USDC.

Referral Bonus

4% discount on trading fees

Request Card

Official Site 𝕏

BASED CARD

Xfers Pte. Ltd

Cashback

Up to 4%

Annual Fee

Free

FX Fee

1.5%

Staking

Max Cashback

Paid in BASED

Annual Fee

Premium Perks

Available Regions

Unique Features

Gasless deposits via Gelato Relay
Gold tier: 4% cashback in $BASED, 0% FX markup and 4 airport lounge visits per year
Integration with Hyperliquid for trading and spending in one app

Pros

Direct spend of stablecoins without manual off-ramping
Non-custodial/Hybrid wallet security (Smart Contract)
No top-up fees for USDT and USDC
Gold tier: 0% FX and 4% cashback in $BASED

Cons

Premium (HYPE) and Gold require staked $BASED (21-day lock after card redemption); card benefits stop if you unstake
FX markup is 1.5% (Premium) / 0% (Gold)
No ATM withdrawal support
Premium physical card ships with a DHL fee (waived on Gold)
Cashback is paid in $BASED and is promotional

Integrations & Tech

iOS App

Android App

Debit Mode

IBAN Support

Credit Mode

Global availability (excluding sanctioned regions)

AvailableExcludedUnknown

Available In (1)

Global

Not Available In (93)

AfghanistanAlbaniaAlgeriaAustraliaBangladeshBarbados

Virtual Card

Available

Instant digital issuance.

Physical Card

Available

MaterialPlastic

IssuanceFree

ShippingFree

Replacement$100

Tier Comparison

Orange

0% Cashback

Stake Required

Free

Issuance Fee

Free

Replacement Fee

$100

FX Fee

2.5%

Fee Structure

Annual FeeFree

Monthly FeeNone

FX Fee1.5%

Issuance FeeFree

Shipping FeeFree

Replacement Fee$100

Inactivity FeeNone

Crypto ConversionFree

Credit CheckNot Required

Top-Up FeeFree

Detailed Fee Structure

FX Fee1.5% (1.5% FX markup on non-USD spend for Premium (HYPE in docs); Gold 0%)

1.5% FX markup on non-USD spend for Premium (HYPE in docs); Gold 0%

Top-Up Fee

By Payment Method

USDC

USDT

XSGD

No top-up fees for supported stablecoins (USDC, USDT, XSGD)

Detailed Limits

Spending Limits$90,000/month

Monthly

90,000 USD

Fee Details

Premium (HYPE in docs): 10,000 $BASED staked, plastic card, FX 1.5%, 2% cashback in $BASED; DHL shipping applies. Gold: 100,000 $BASED staked, 20g metal card, FX 0%, 4% cashback in $BASED; shipping waived; 4 airport lounge visits/year. Staked amount is locked for 21 days after card redemption; benefits stop once unstaking is initiated. No top-up fees for USDT and USDC. Docs: no signup fees or annual fees. Minimum $5 cashback per cycle.

Limits & Conditions

ATM withdrawals are not advertised on the official cards page. The older $90,000 monthly spend figure is not on the current cards page.

Crypto Capabilities

Security & Custody

Custody ModelHybrid

Wallet TypeSmart Contract

InfrastructureXfers / StraitsX / Gelato Relay

Supported Assets

Chains

Solana

Arbitrum

Polygon

Hyperliquid

Tokens

USDC

USDT

XSGD

Yield on Collateral

On-chain History

Governance Rights

Credit Scoring

Lifestyle Benefits

AI Subscription RebateUp to $10/month (Premium) or $100/month (Gold) back on ChatGPT, Claude and Grok subscriptions

Entertainment RebateGold: up to $20/month back on Netflix, Spotify and YouTube

Airport LoungesGold: 4 visits per year

Rewards Program DetailsCashback is distributed in $BASED token on eligible spend: Premium (HYPE) 2%, Gold 4%; minimum $5 per cycle; cashback paid monthly and rebates on the 15th, credited to the staking balance of the card email wallet. Rebates (capped monthly, no rollover): ChatGPT/Claude/Grok subscriptions $10 (Premium) / $100 (Gold); Netflix/Spotify/YouTube $20 (Gold). Requires staked $BASED (10,000 Premium/HYPE, 100,000 Gold); benefits cease when unstaking begins.

Referral Bonus

4% discount on trading fees

Payout Frequency

Monthly (cashback); rebates paid on the 15th

Exclusions

Standard MCC exclusions likely apply; specific exclusions for Gold points not fully detailed publicly.