RedotPay Fees and Limits 2026: Card, FX and ATM Costs

RedotPay’s standard card costs are $10 for a virtual card and $100 for a physical card. A real transaction can also include a 1% crypto-conversion fee, a 1.2% non-card-currency fee, an ATM fee, or a selected-merchant fee. The exact combination depends on how the account is funded, the card currency, the merchant, and the transaction type.

The four cost layers to check

Do not treat one headline percentage as the total cost. Review these layers separately:

1. Getting the card: issuance, delivery availability, and any valid card-order promotion.
2. Funding the account: exchange, P2P, card, bank, or network costs outside the card purchase itself.
3. Making the payment: crypto conversion, transaction currency, selected merchant, or declined-attempt costs that may apply.
4. Using or maintaining the card: ATM, replacement, chargeback, and other usage costs.

This separation matters because a $100 merchant charge can cost differently for a USD card funded with supported crypto, a non-USD checkout, an ATM withdrawal, or a merchant on RedotPay’s selected-fee list.

How much is a RedotPay virtual card?

The official standard issuance fee is $10. The eligible $5 welcome reward is for spending after card activation and cannot pay the issuance fee.

When the current card-order offer is supported, enter REDOT10 before payment and verify that the checkout total changes from $10 to $8. Do not enter the card code during account registration; use it on the virtual-card order screen.

How much is a RedotPay physical card?

The published physical-card issuance fee is $100. Payment confirms the application and is non-refundable, so check physical-card delivery for your real address before paying.

When supported, REDOT100 reduces the order price by 20%, from $100 to $80. Delivery availability and other possible charges remain separate. A physical-card discount does not make delivery available in a country on RedotPay’s current delivery-restriction list.

What does a $100 purchase cost?

These examples are simplified estimates, not a promise of the final authorization amount.

The app’s confirmation and transaction record are authoritative. Percentage fees can be applied to the settled amount, and the merchant, network, funding provider, or ATM owner can add costs that RedotPay does not control.

Which merchants have the extra 1.5% fee?

RedotPay’s current public list includes Gulf Health Council, Free Fire, PUBG Mobile, Brawl Stars, eFootball, Facebook Ads, and Discord. Each card currently receives three monthly waivers for listed purchases; after that, the fee is 1.5% with a $0.50 minimum.

The list can change. Recheck it before running ads, buying game currency, or making a repeated small payment.

What are the RedotPay card limits?

RedotPay lets users set a per-transaction and daily limit in Card → Limit. The public fee page does not expose every account’s current limit as crawlable text, so this guide does not repeat a universal figure that may be wrong for a particular card or account.

Check these limits in the app before a large payment:

• Per-transaction card limit;
• Daily card limit;
• ATM withdrawal limit;
• Merchant or transaction-type limit;
• Any temporary security restriction after changing a password, phone number, email, or authenticator.

RedotPay says certain security changes can temporarily reduce spending to $1,000 per transaction and $1,000 per day for 24 hours. That is a temporary security state, not the standard limit for every account.

Other limits people miss

• A user can have up to five cards total over the account lifetime, including deleted cards.
• Virtual and physical cards are currently valid for three years.
• The first virtual-card replacement costs $5, later replacements cost $10, and replacements must be at least 31 days apart.
• A virtual card has no ATM function and cannot complete a PIN-required physical transaction.
• Country eligibility, physical-card delivery, account review, and merchant acceptance are separate from the displayed spending limit.

Use the standard card promo codes

The standard card has no published monthly or annual management fee. For eligible card orders, use the dedicated promo code instead of paying the full standard issuance price:

Register through the invite link first to receive the separate $5 spending reward when eligible. Then enter the relevant promo code on the card-order screen and confirm the reduced total before paying.

How to avoid paying more than expected

1. Check the card currency and merchant currency.
2. Keep a balance buffer rather than funding only the exact purchase amount.
3. Review whether the merchant appears on the selected-fee list.
4. Check the final card-order or payment screen before confirming.
5. Avoid repeated retries after a decline; first use the RedotPay card-declined checklist.
6. Save the transaction record and fee rows for support if the settled total differs from the estimate.

Fees and limits can change. This page uses official public values checked on July 16, 2026 and marks account-specific limits as “check in app” instead of guessing.