SolCard Platinum

SolCard Platinum is SolCard's higher-tier crypto-funded card for users who want broader real-world payment functionality than the standard Virtual Card. It supports online purchases, Apple Pay and Google Pay, and SolCard's current product pages also describe a physical Platinum card for eligible users.

The card is funded with supported crypto and stablecoins, with the balance denominated in USD for spending. Platinum requires identity verification, unlike SolCard's basic virtual tier.

Its main advantages are 0% SolCard top-up fees, higher spending capacity, mobile-wallet support and priority customer service. Users should still account for transaction, FX and mobile-wallet purchase fees that can apply after the card has been funded.

The standard Virtual Card is designed mainly for online purchases and can be opened with email-based onboarding without the Platinum verification process. It currently carries a 5% top-up fee plus a one-time $10 issuance fee and has a published monthly spending limit.

Platinum requires KYC but removes the top-up fee, supports Apple Pay and Google Pay, includes priority support and is positioned for much higher or effectively unrestricted everyday spending under SolCard's current public pricing.

Platinum is therefore more suitable for users who expect to fund and spend larger amounts or need in-person payments. The basic Virtual Card remains simpler for users who only want occasional online spending and prefer not to complete KYC.

SolCard currently supports USDT and USDC across multiple networks, including Solana, Ethereum, Polygon, BNB Smart Chain, HyperEVM, Arbitrum, Optimism, Avalanche and Base. It also lists SOL, SOLC and JITO on Solana among supported funding assets.

The card balance itself is denominated in USD, so the merchant receives a conventional card payment rather than the original cryptocurrency.

Always confirm both the token and blockchain in SolCard's live deposit invoice before sending funds. SolCard warns that sending an unsupported asset or using the wrong network can result in lost funds, and deposit invoices are time-sensitive.

SolCard's current fee documentation lists a one-time $10 issuance fee for a new Platinum card, with no monthly account fee and no annual fee.

The Platinum tier also has a 0% top-up fee, which is a major difference from the standard Virtual Card's 5% funding fee. Other usage charges still apply after issuance, including the standard purchase fee, foreign-exchange costs and a fee on mobile-wallet transactions.

SolCard's public pages have changed pricing in the past, so users should review the checkout amount shown before paying. The current fee page is dated 15 August 2026 and should be preferred over older cached pricing.

SolCard currently lists a $0.30 fee on successful card purchases, a 2% cross-border or FX fee in its Help Centre, a $0.15 fee for small purchases under $10 and a declined-transaction fee that is typically around $0.15.

Platinum top-ups are currently 0%, and the standard withdrawal-to-external-wallet fee is $1 in USDT. Merchant refunds returned to the card can carry a 2% fee.

SolCard's newer public fee page summarises Platinum FX as 0% to 1.5%, while the Help Centre lists 2%. Because SolCard's own public sources are not perfectly aligned, check the exact fee displayed in the app or checkout before a foreign-currency transaction.

No. SolCard's current pricing lists a 0% top-up fee for Platinum. If you send $500 of supported value to top up an existing Platinum card, SolCard does not add the 5% funding charge that applies to the standard Virtual Card.

This can make Platinum materially cheaper for users who reload frequently or move larger amounts onto the card. The one-time card issuance charge and normal spending fees remain separate from the 0% top-up policy.

The sending exchange, wallet or blockchain can still charge its own network or withdrawal fee before the funds reach SolCard.

SolCard's main 2026 pricing page currently describes Platinum as having no monthly spending limit, while a July Help Centre article lists a $100,000 monthly limit for Platinum cards.

Those two official statements are inconsistent. The safest interpretation is that Platinum has substantially higher spending capacity than the standard Virtual Card, but users should treat the live account limit as authoritative for their specific card.

SolCard can also apply merchant, compliance or transaction-level controls even when the published monthly allowance is high. Before making a very large purchase, check the available balance and the limit shown in the dashboard rather than relying only on the headline 'no limit' marketing language.

Yes. Apple Pay and Google Pay support are core Platinum features. After the card is issued, eligible users can add the card to a supported mobile wallet and make contactless purchases at physical merchants.

SolCard currently charges a separate fee on mobile-wallet purchases. Its latest Help Centre fee breakdown lists 0.30%, while another usage guide still mentions 0.20%. Because the provider's documentation is inconsistent, check the rate shown in the live account before relying on either figure.

The standard Virtual Card does not officially support Apple Pay or Google Pay, which is one of the clearest practical reasons to choose Platinum.

SolCard's current main product page presents Platinum as a physical card for online and offline use, while its July Help Centre still describes Platinum as a virtual card with broader functionality and says cards are virtual-only.

This means SolCard's public documentation is currently in transition. Users should confirm whether a physical card is actually orderable for their account and region before paying specifically for plastic-card access.

Regardless of physical delivery, Platinum supports virtual card credentials and mobile-wallet use, so users can make online and supported contactless payments even when the physical-card rollout is not available to them.

Yes. SolCard Platinum requires identity verification. SolCard says KYC is what unlocks the Platinum tier's higher limits, 0% top-up pricing, verified cardholder name and Apple Pay or Google Pay support.

The standard Virtual Card is marketed as the lower-friction option without the same verification requirement, so users who do not want to submit identity documents should not expect access to Platinum's features.

SolCard is operated by SC PAYMENTS LIMITED in Hong Kong, and its privacy policy says identity documents and proof-of-address information can be collected when KYC is required. Complete verification only through the official SolCard application.

SolCard Platinum is designed for online and real-world spending at merchants supported by the card network, and SolCard markets the product for worldwide use. Apple Pay and Google Pay allow eligible cardholders to make contactless purchases in stores.

Acceptance is not universal. SolCard maintains restricted merchant categories including gambling, pornography, controlled substances, money services and quasi-cash transactions. Individual merchants can also reject prepaid or virtual card credentials.

International or non-USD purchases can incur FX or cross-border fees. If a merchant offers its own currency conversion, compare the rate before accepting it because that conversion is controlled by the merchant rather than SolCard.

Yes. SolCard's current fee documentation says cardholders can withdraw remaining balance to an external wallet for a $1 fee paid in USDT. SolCard also allows balance transfers to another SolCard without a transfer fee, although a minimum balance can be required on the original card for that route.

This is different from an ATM withdrawal. The documented $1 charge refers to moving card balance back to an external crypto wallet.

Before requesting a withdrawal, confirm the destination network and asset carefully. Blockchain transfers are generally irreversible, and a receiving wallet or exchange can have its own network requirements.

SolCard does not currently advertise a standard fixed cashback percentage for every Platinum purchase. Instead, it has introduced SolCard Drops, a rewards system where spending creates entries into prize draws and promotional campaigns.

SolCard says every dollar spent can generate entries for eligible Drops, with rewards distributed through individual campaigns rather than as guaranteed cash back on each transaction.

This makes the reward model different from cards that promise 1% or 2% on every eligible purchase. Users comparing expected value should treat Drops as promotional upside rather than guaranteed cashback, and should evaluate Platinum mainly on its funding fees, spending access and mobile-wallet functionality.

Create or sign in to a SolCard account at the official app, choose an available card slot and select Platinum. Complete the required identity verification, then follow the funding invoice shown by SolCard.

Deposit only a supported cryptocurrency on the exact network displayed in the invoice and send the required amount before the invoice expires. After confirmation, the card credentials are issued to the SolCard dashboard.

Platinum has a 0% top-up fee under the current pricing. Apple Pay and Google Pay can then be configured where supported. If a physical card option is shown for your region, follow the delivery steps in the live account because SolCard's public documentation is still being updated.

SolCard provides support through the live chat on its website and Help Centre. The official Help Centre is available at https://help.solcard.cc and contains guides covering funding, fees, supported assets, mobile wallets, card management and prohibited merchants.

SolCard also publishes a support email through its Help Centre for users who cannot resolve an issue through live chat. For transaction problems, include the card, merchant, amount, date and any decline message, but do not send private wallet keys or seed phrases.

Because SolCard is crypto-funded, verify that you are using an official solcard.cc domain before sending assets or identity documents.