If you’re choosing a physical crypto card, here is a clear comparison of Zypto’s Premium Physical VISA Card and Zypto’s Classic Physical Card, both fully pre-funded and accepted anywhere Visa is accepted.
This guide takes a look at the features, fees and transaction limits of both, and clarifies exactly how they differ.
Zypto Physical Premium VISA Card
The Zypto Physical Premium VISA Card is Zypto’s flagship card, created for users who expect more from theirs. It combines unmatched spending capacity with a premium design and user experience.
Premium VISA Card Transaction Power
Built for performance at scale and unrestricted spending.
- Maximum POS or online transaction: $175,000
- Maximum spending per month: $1,000,000 across POS, online, and ATM combined
- ATM withdrawal: $250 per transaction, $750 per day, $22,500 per month
- Reloadable and pre funded: load funds directly from your crypto wallet
- Accepted anywhere Visa is accepted
Premium VISA Card Fees
Simple and transparent.
- Monthly fee: $0.0
- Transaction fee: $0.30
- FX (non USD) transaction: 1.75%
- Reload / top up: 3% off ramp fee
- ATM withdrawal: 1%
- Total card cost: $50 including card, activation and shipping
- Load / topup blockchain gas fees paid directly to the network
It’s ideal for high volume users, global travellers, and anyone who wants a physical crypto card that performs at scale.
It’s also perfect for occasional users thanks to its zero monthly fees. Park this card in your wallet or purse and it’s ready for action whenever you choose to convert your assets to instant, real world spending power.
Zypto Physical Classic VISA Card
The Zypto Physical Classic VISA Card is a long standing Zypto favourite, offering a prepaid Visa structure that remains popular with long term users who enjoy its familiar format and strong ATM performance.
Classic Transaction Power
Stable, scalable, and built for serious volume.
- Maximum card load: $150,000
- Maximum POS transaction: $150,000
- Maximum POS spending per month: $525,000
- Maximum online transaction: $120,000
- Maximum online spending per month: $420,000
- ATM withdrawal: $1,000 per transaction, $3,000 per day, $20,000 per month
Classic Fees
Simple and transparent.
- Card acquisition: $15
- Activation: $10
- Shipping: $25–50 (location dependent)
- Monthly fee: $12
- Reload/top up: $6 + 4.5%
- POS/online purchase: $0.30 per transaction
- ATM withdrawal: $4 + 1%
- FX (non USD) transaction: 2.75%
- ATM balance inquiry: $1
- Load / topup blockchain gas fees paid directly to the network
The initial $100 deposit covers card acquisition, activation, and shipping, with the remaining funds credited directly to the card.
Zypto continues to support the Classic Card because many users still enjoy its format, but new physical card users are encouraged to upgrade to the Premium Physical VISA Card for higher limits and zero monthly fees.
Zypto Physical Crypto Cards Comparison Overview
| Feature | Premium Physical VISA Card | Classic Physical Card |
|---|---|---|
| Card Type | Prepaid and pre funded | Prepaid and pre funded |
| Monthly Fee | None | 12 USD |
| Max Card Load | 1,000,000 USD | 150,000 USD |
| Max POS Transaction | 175,000 USD | 150,000 USD |
| Max POS Spending per Month | 1,000,000 USD | 525,000 USD |
| Max Online Transaction | 175,000 USD | 120,000 USD |
| Max Online Spending per Month | 1,000,000 USD | 420,000 USD |
| ATM Withdrawals per Transaction | 250 USD | 1,000 USD |
| ATM Withdrawals per Day | 750 USD | 3,000 USD |
| ATM Withdrawals per Month | 22,500 USD | 20,000 USD |
| Card Cost | 50 USD (includes activation and shipping) | 100 USD initial deposit (includes activation and shipping) |
| Reload / Top up | 3% off ramp fee | 6 USD + 4.5% off ramp fee |
| POS / Online Purchase | 0.30 USD per transaction | 0.30 USD per transaction |
| ATM Withdrawal | 1% | 4 USD + 1% |
| FX Fee (non-USD) | 1.75% | 2.75% |
| KYC | Standard – Approval usually within minutes | Standard – Approval takes 3-5 business days |
Important Clarification
Zypto’s crypto cards are all prepaid and pre-funded, meaning you load them with your desired value before you spend. No collateral is needed, and no staking is required.
Summary
Both Zypto physical crypto cards are user funded, not credit based, and accepted anywhere Visa is accepted. All Zypto cards can be loaded from a Zypto App wallet or any wallet or exchange, although Zypto wallet will always be the most innexpensive and convenient way.
The Classic Card remains available for those who prefer its original format, while the Premium Physical VISA Card is Zypto’s flagship card. It carries no monthly fees, offers, we believe, the highest transaction limits in the market, and provides a smooth, high end payment experience built for today’s most active users.
The Premium Physical VISA Card is available directly in Zypto App and at Zypto.com, while the Classic Physical Card is available through Zypto.com.
Order yours today and get, what many believe, is the best instant off-ramp in crypto – right in your pocket or purse.
→ Learn about Zypto’s full range of Physical and Virtual Visa and Mastercards
FAQs
What is the difference between Zypto’s Premium and Classic Physical Crypto Cards?
Both Zypto cards are prepaid and pre funded. The Premium Physical VISA Card offers up to 1 million USD in monthly limits with no monthly fees. The Classic Physical Card also uses a prepaid model but includes a twelve USD monthly fee and lower transaction limits.
Do Zypto’s physical crypto cards require collateral or staking?
No. Zypto cards are prepaid and pre funded, meaning users load them with their chosen value before spending. No collateral or staking is required.
What are the transaction limits for the Zypto Physical Premium VISA Card?
The Premium card supports up to 175,000 USD per transaction and up to one million USD in total monthly spending across POS, online, and ATM combined.
What are the transaction limits for the Zypto Physical Classic Card?
The Classic card supports up to 150,000 USD per POS transaction, up to 525,000 USD per month at POS, and up to 420,000 USD per month online. ATM withdrawals are limited to 1,000 USD per transaction and 3,000 USD per day, with a monthly limit of 20,000 USD.
What fees apply to Zypto’s physical crypto cards?
The Premium Physical VISA Card has no monthly fee. The Classic Physical Card has a twelve USD monthly fee, plus other standard transaction and network fees listed in its schedule.
Are Zypto’s physical crypto cards accepted worldwide?
Both cards can be used anywhere Visa is accepted, including online and in store.
When does crypto to local currency conversion happen with Zypto’s physical crypto cards?
Crypto to local currency conversion happens at the time of loading, not at checkout. This means the exchange rate is locked when you load your card, so spending is unaffected by later market volatility.
