Crypto.com Icy White & Rose Gold

Icy White and Frosted Rose Gold are premium metal Crypto.com prepaid Visa cards. They share the same benefits and qualification level, so the difference is primarily the card colour and finish.

Under the current Level Up programme they sit in the Private tier below Obsidian. In Europe, qualification requires a 12-month CRO stake worth €45,000, while the USD-denominated card programme lists a $50,000 threshold.

The current prepaid-card package includes 4% CRO rewards on eligible everyday spending with no monthly reward-spending cap, permanent eligible subscription rebates, Priority Pass airport lounge access and premium support. The card itself remains prepaid rather than revolving credit.

Crypto.com's current European Level Up structure requires €45,000 worth of CRO staked for 12 months to qualify for Icy White or Frosted Rose Gold. In USD-denominated markets, the published threshold is $50,000.

Because the requirement is expressed as a fiat value, the number of CRO tokens needed for a new stake changes with CRO's market price. The commitment is therefore materially different from paying a fixed card fee.

Users should consider both the 12-month commitment and the volatility of CRO before qualifying. The card benefits can be valuable, but the potential movement in a €45,000-equivalent token position can be much larger than the annual value of cashback, lounge access or subscription rebates.

Crypto.com's current prepaid-card table lists 4% CRO rewards on eligible everyday spending for the Icy White and Rose Gold Private tier. Eligible prepaid-card spending has no monthly rewards cap.

Rewards are paid in CRO shortly after qualifying purchases. Certain merchant categories and transaction types are excluded, so the headline 4% does not apply to every card transaction.

Crypto.com has also introduced optional BTC rewards for eligible prepaid-card users in selected markets such as France, Germany and Italy. Where BTC is selected, the reward schedule can have different thresholds from the standard CRO rate, so users should check their chosen reward asset in the app.

No. Crypto.com currently places Icy White and Rose Gold in the Level Up Private tier, where eligible prepaid-card spending has no monthly rewards cap.

This is an advantage over Pro or Jade/Indigo, which currently has a $2,500 monthly amount of spending eligible for rewards. The Private tier can therefore be more attractive to users with high monthly card spending.

The absence of a rewards cap does not remove normal card limits or reward exclusions. Point-of-sale limits, maximum card balance, merchant-category exclusions and regional rules still apply. Users should separate the concept of unlimited eligible reward spending from unlimited card spending.

Icy White and Rose Gold qualify for the Level Up Private Priority Pass benefit. This currently provides unlimited personal access to more than 1,700 participating lounges and travel experiences.

For EU, UK and LATAM users, one complimentary guest is currently included until 30 September 2026. From 1 October 2026, Private users retain unlimited personal access but complimentary guest access is removed. In most other markets, this change takes effect on 1 September 2026.

Priority Pass registration is handled through the Level Up section in the Crypto.com app. A small card pre-authorisation can occur during registration, and individual lounges can have their own access conditions.

The current Level Up Private tier includes permanent eligible rebates for Spotify, Netflix and Truth+. These benefits remain available while the user continues to qualify under the programme and the subscription charges meet the applicable terms.

Older Icy White and Rose Gold benefit tables also listed Amazon Prime, Expedia, Airbnb and X rebates. Crypto.com discontinued those legacy perks from 2 November 2025, so they should not be counted as current benefits.

The rebate is separate from ordinary card rewards. If a qualifying subscription charge exceeds the rebate maximum, the excess amount can earn the normal spending reward if it is otherwise eligible.

The Icy White and Rose Gold prepaid cards do not have a standard monthly or annual card fee, although access to the tier requires the Level Up Private CRO commitment. Operational fees vary by issuing region.

For European residents, Crypto.com currently charges 1% for debit or credit card top-ups, 2% on ATM withdrawals above the free monthly allowance, €50 for card replacement and €50 to close the card account. An inactivity fee applies after 12 months without qualifying activity.

Icy and Rose currently have no Crypto.com foreign transaction fee in the European and US schedules. Third-party ATM surcharges can still apply. Always check the fee table for your residence because values differ by country.

For European residents, Icy White and Rose Gold currently include €800 per month of ATM withdrawals without a Crypto.com withdrawal fee. Amounts above that allowance are charged 2% by Crypto.com.

The overall European ATM limit is €2,000 per day and €10,000 per month, with up to three withdrawals per day and 30 per month. ATM operators can impose their own surcharges independently of Crypto.com.

Other issuing markets use different free allowances. For example, the US schedule currently lists $1,000 per month of free ATM withdrawals for Icy/Rose. Always use the fee-and-limit page associated with the country where the card was issued.

The card is prepaid and must be funded before spending. In the EU and UK, users can open the Card section, select Add Funds and top up using supported cryptocurrency or an eligible debit or credit card.

When crypto is used, Crypto.com converts the selected asset into the card's fiat balance. The app displays the rate before confirmation. Crypto.com also offers Auto Top-Up, allowing a selected cryptocurrency to be converted automatically when the card balance falls below a chosen threshold.

In Europe, card top-ups made with a debit or credit card currently carry a 1% Crypto.com fee. Crypto funding and bank-account funding can have different costs and limits.

Yes in many regions. Crypto.com currently supports Apple Pay for prepaid cards in the US, Canada, EU and Australia, among other supported programmes. Apple Pay is not currently available for the UK prepaid card or some Gulf programmes.

Google Wallet support currently includes the US, Canada, EU, UK, Australia, Singapore and Bahrain card programmes. Users can add the card through the relevant wallet or, where available, directly from the Crypto.com app.

The wallet does not change the underlying Private tier rewards, balance or CRO requirement. Regional wallet compatibility should be confirmed before relying on a specific mobile payment method.

The Icy White and Frosted Rose Gold products covered here are Crypto.com prepaid Visa cards, not revolving credit cards. You load fiat value onto the card before spending and cannot carry an ordinary interest-bearing credit balance on the prepaid card.

Crypto.com separately offers a Visa Signature credit card in the United States, and it also uses Level Up tier names. That product should not be confused with the prepaid Icy or Rose card.

If you are comparing fees or rewards, check the exact wording in the Crypto.com app. Prepaid Card and Visa Signature Credit Card have different funding mechanics and can use different reward schedules even when the tier name is similar.

Crypto.com offers its prepaid card programme across many major markets, but exact availability and card terms depend on residence. Europe, the US, Canada, Australia, Singapore and selected other markets have active programmes.

Crypto.com's current European delivery list includes Spain, Portugal, France, Germany, Italy, Ireland, Switzerland, the UK and many other European countries. Users must still qualify for the Private tier to receive Icy White or Rose Gold.

A user who can open a Crypto.com account is not automatically eligible for every card. Local card issuance rules, identity verification and Level Up qualification all apply.

Yes. Crypto.com requires account verification and the card programme's identity and residency checks before an Icy White or Rose Gold prepaid card can be issued.

European card users can also be asked for additional information about income, employment and expected annual transaction volume before they can top up the card. Crypto.com says this supports compliance with European anti-money-laundering requirements.

The €45,000-equivalent CRO commitment does not replace KYC. Users should complete all verification only inside Crypto.com's official app or website and should never provide authentication codes to someone offering to accelerate card approval.

Create and verify a Crypto.com account, open the Card section and select the Icy White or Frosted Rose Gold option associated with Level Up Private. The two colours carry the same core tier benefits.

In Europe, the current route requires a 12-month CRO stake valued at €45,000. Once the qualification and card application are approved, the card can be funded and managed from the Crypto.com app.

Before committing CRO, review the current Level Up terms, card fees and regional benefits. The value of the required token position can fluctuate during the commitment period, so qualification should not be treated like paying a fixed €45,000 card fee.

Both are Level Up Private metal prepaid cards with unlimited eligible monthly reward spending, permanent qualifying subscription rebates and unlimited Priority Pass access. The biggest differences are the CRO commitment and spending reward rate.

In Europe, Icy White and Rose Gold require €45,000 worth of CRO staked for 12 months and currently earn 4% CRO on eligible everyday spending. Obsidian requires €450,000 and earns 5%.

Their European ATM allowances are also slightly different: Icy/Rose currently includes €800 per month without Crypto.com's ATM fee, while Obsidian includes €1,000. For most users, the extra 1 percentage point of reward needs to be weighed against Obsidian's ten-times-larger CRO qualification.