debit Card•

Plutus Card

Name: Plutus Card
Brand: Block Code Ltd
Availability: InStock

by Block Code Ltd

Plutus is a reward-focused debit card that allows users to earn 3% to 9% back in PLU (Pluton) crypto tokens. It uses a hybrid model where card balances are held by a regulated fiat partner (Modulr), while reward staking is done via the user's personal non-custodial wallet (e.g., MetaMask). A paid monthly subscription is required to earn rewards (Starter £6.99, Everyday £9.99, Premium £19.99), with optional PLU staking available to boost rates and perk counts. The reward cap (spending above it gets 0%) starts at €250–1,000 based on your monthly subscription fee and increasing up to €40,000 if you hold large amounts of PLU tokens in your wallet.

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Official Site

PLUTUS CARD

Block Code Ltd

Cashback

Up to 9%

Annual Fee

Free

FX Fee

2.5%

Staking

None

Max Cashback

Paid in PLU

Annual Fee

Premium Perks

Available Regions

Unique Features

Non-Custodial Staking: Connect MetaMask to unlock higher tiers without depositing crypto.
PlutusSwap: Internal feature to swap PLU for card balance (subject to limits).
Perk System: Specific £/€10 rebates rather than generic cashback.

Pros

High reward rate ceiling (up to 9%)
Stackable 'Perks' (rebates) for popular subscriptions (Netflix, Spotify, etc.)
Non-custodial staking (you hold your own keys for the tier boost)
High spending limits

Cons

Paid monthly subscription required
High withdrawal fees for ATM and PLU payouts
Rewards are locked for 45 days before availability
Complex system of Plans vs. Levels vs. Caps

Integrations & Tech

IBAN Support

iOS App

Android App

Debit Mode

Credit Mode

IBAN: Provides a personal sort-code/account number (UK) or IBAN (EEA) via Modulr.

AvailableExcludedUnknown

Available In (31)

AustriaBelgiumBulgariaCroatiaCyprusCzech Republic

Virtual Card

Available

Instant digital issuance.

Physical Card

Available

MaterialPlastic

Issuance$10

ShippingFree

Replacement$10

Tier Comparison

Noob

3% Cashback

Stake Required

Free

Issuance Fee

$10

Replacement Fee

$10

FX Fee

2.5% + fixed fee

ATM Fee

2.5% min fee

Fee Structure

Annual FeeFree

Monthly Fee$7

FX Fee2.5%

Issuance Fee$10

Shipping FeeFree

Replacement Fee$10

Inactivity FeeNone

Crypto Conversion1%

Credit CheckNot Required

Top-Up FeeFree

ATM Capabilities

ATM Fee (Domestic)N/A

ATM Fee (Intl)N/A

Fee After Limit2.5%

Detailed Fee Structure

FX Fee2.5%

ATM Fee2.5%

Detailed Limits

Spending Limits€7,500/day

Daily

7,500 EUR

Fee Details

Monthly fee depends on plan: Starter (£/€6.99), Everyday (£/€9.99), Premium (£/€19.99). FX Fee is 2.5% for non-EUR/GBP transactions. ATM withdrawal fee is 2.5% + fixed fee. PLU Payouts incur a dynamic network gas fee.

Limits & Conditions

ATM withdrawals are not free (2.5% fee). Daily spend limit is high (approx €7,500 - €15,000 depending on KYC). The most important limit is the 'Monthly Reward Cap' (eligible spend for cashback), which ranges from £/€250 (Starter) to £/€1,000 (Premium) and can be boosted up to £/€22,500+ by redeeming PLU.

Crypto Capabilities

Security & Custody

Custody ModelHybrid

Wallet TypeAccount Abstraction (ERC-4337)

InfrastructureModulr (Fiat), Self-Custody (Staking)

Supported Assets

Chains

Ethereum

Tokens

Yield on Collateral

On-chain History

Governance Rights

Credit Scoring

Lifestyle Benefits

Supermarket ChoiceUp to £/€10 rebate at Tesco, Aldi, Lidl, or Sainsbury's

NetflixUp to £/€10 rebate per month

SpotifyUp to £/€10 rebate per month

Apple OneUp to £/€10 rebate per month

Uber/Uber EatsUp to £/€10 rebate per month

Rewards Program DetailsRewards are issued as 'PLU' (Pluton). They remain in a 'Pending' state for 45 days to prevent refund fraud. After 45 days, they become 'Available' to be paid out to a personal wallet. Payouts require a fee (Gas + Service).

Payout Frequency

45 days

Exclusions

Financial services,Money transfers,Gambling,Government payments