DeCard by DCS and Visa Launches in Singapore: A Future-Ready Micro Credit Card for Fiat and Digital Asset Spending

Singapore’s financial landscape just took a leap into the future with the launch of DeCard Visa card — a first-of-its-kind, micro credit card co-developed by DCS Card Centre and Visa. Designed to meet the evolving demands of today’s digital-savvy consumers, DeCard empowers users to spend only what they already own — whether it’s traditional fiat or digital assets — all within a secure, flexible, and regulation-first framework.

A Smarter Way to Spend

Backed by DCS, formerly known as Diners Club Singapore, and Visa’s global payment network, DeCard delivers a seamless and transparent experience that bridges Web2 and Web3 finance. Users can top up the card with SGD or convert stablecoins (USDT and USDC) to fiat via MAS-licensed Digital Payment Token (DPT) service providers — ensuring compliance with Singapore’s Payment Services Act and upholding responsible digital innovation.

With no annual fees and a high, flexible spending limit, DeCard offers consumers a spend-what-you-have model, helping avoid debt while tapping into the full utility of digital assets and fiat alike.

Why DeCard Matters

In 2024, 26% of Singaporeans owned digital assets, with 67% planning to increase usage. Meanwhile, prepaid and contactless cards remain the dominant payment choice at 34%, with the prepaid market alone expected to surpass US$13 billion by 2028. DeCard is uniquely positioned to meet this dual demand for real-world usability and controlled spending — without pushing speculative digital asset adoption.

Key Features of the DeCard Visa Card

Flexible Funding Options

• Top up using SGD or digital assets (via licensed partners)
• High spending and top-up limits

Cost-Efficient Digital Asset Conversion

• Single conversion cost to SGD — no FX fees for local spending
• Over 50% savings on FX rates compared to standard industry charges
• ATM withdrawals capped at SGD5 or 1% (whichever is lower)
• Global ATM access (excluding Singapore)

Ready for Digital Wallets

• Fully compatible with Google Pay and Apple Pay

Secure and Regulated

• Issued by DCS, a MAS-regulated financial institution under the Banking Act
• Supported by Visa’s 150 million+ merchant network worldwide

For more details, visit here.