# Fees and terms

> How much it costs to issue a card, what fees apply to top-ups and purchases, and what the card limits are.

## Current fees

The card currently issued is the virtual Visa Infinity SG. The figures in the tables below update automatically and reflect the current terms.

**Card plans**

| Plan | Issue | Top-up | Validity |
| --- | --- | --- | --- |
| Infinity SG · Visa · Apple Pay, Google Pay | $15 | 2.2% | 3 years |

## Card terms in detail

**Infinity SG**

| Parameter | Value |
| --- | --- |
| Issue price | $15 |
| Validity | 3 years |
| Card network | Visa |
| Top-up fee | 2.2% |
| Top-up | from $12 up to $4,890 |
| Purchase fee | $0.25 |
| Apple Pay | Yes |
| Google Pay | Yes |
| Per-transaction limit | $5,000 |
| Daily limit | $20,000 |
| Monthly limit | $100,000 |

## What each row means

**Issue price** — a one-time fee charged when the card is issued. The price is shown in dollars and is charged from your account in its currency at the exchange rate: the app shows the exact amount before you pay.

**Balance after issue** — this row appears only if the plan includes a starting balance. In that case, part of the amount is credited to the card right when it is issued.

**Validity period** — how many years the card is valid from the date of issue.

**Payment system** — the card works wherever Visa is accepted.

**Top-up fee** — deducted from the top-up amount. The amount you entered is charged from your account, and the card receives it minus the fee. The app shows the exact amount to be credited before you confirm.

> [!TIP]
> Each month, part of card top-ups is charged at a reduced fee: 1% for amounts up to $2,000. For more details, see the article [Fee limits](https://help.pswallet.org/en/payments/fee-limits).

**Top-up (min and max)** — how much can be credited to the card in a single top-up.

**Purchase fee** — a fee for each card transaction. In the app it is called "Transaction fee" and is shown in the purchase details in the card history.

**Apple Pay and Google Pay** — whether you can add the card to your phone's wallet and pay contactlessly. To learn how, see the article [Paying with a card, Apple Pay and Google Pay](https://help.pswallet.org/en/cryptocards/pay-and-wallets).

**Per-transaction, daily, and monthly limits** — how much you can spend with the card in a single purchase, per day, and per month. "No limit" means there is no such limit.

**Maximum balance** — how much money can be on the card at the same time. This row appears only if the plan has such a limit.

## How to check your card's terms

The terms of an already issued card may differ from the current ones, for example if you issued it earlier. To view them:

1. On the home screen, in the "Cards" section, tap the card you need.
2. Tap "Plan".
3. A window opens with the current terms of your card: fees, top-up range, limits, and validity period.

## Previously issued cards

Mastercard cards from the previous lineup, including Virtual Mastercard, are no longer issued. If you still have such a card, you can keep using it — its terms are also available under the "Plan" button.

For cards from the old wallet, the app does not show transaction history or send notifications, and the balance updates with a delay of up to 5 minutes.

## Other costs

- **Currency conversion.** If a store charges in a currency other than dollars, the amount is automatically converted to dollars.
- **Small verification fees.** When you add a card to Apple Pay or Google Pay, the card goes through a verification, and a small amount may be charged from its balance. These transactions are also visible in the card history.

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Source: https://help.pswallet.org/en/cryptocards/tariffs