RedotPay offers both a Virtual Card and a Physical Card to enable users to spend their cryptocurrencies seamlessly. The primary distinctions lie in their form factor, cost, and the specific functionality they offer, particularly concerning ATM access and offline use.
Here is a detailed comparison, incorporating exclusive 2026 promo codes for a 20% discount on the issuance fees.
Core Comparison Table
| Feature | RedotPay Virtual Card | RedotPay Physical Card |
|---|---|---|
| Issuance Fee (Original) | $10 USD | $100 USD |
| Issuance Fee (With 20% Off) | $8 USD (using code DW20OFF) | $80 USD (using code DW2025) |
| Issuance Speed | Instant (after KYC verification) | Slower (requires shipping, 5-10 business days) |
| Usage | Online payments, mobile wallets (Apple/Google Pay) | Online payments + POS terminals (tap/swipe) + ATM withdrawals |
| ATM Access | No | Yes (Global Visa ATMs) |
| Annual Fee | None | None |
| Form Factor | Digital card number, expiry, CVV | Physical chip card |
How to Use the 20% Off Promo Codes
Apply the following codes during the card application process in the RedotPay App to receive a 20% discount on the respective card issuance fees:
- Virtual Card Promo Code:
DW20OFF - Physical Card Promo Code:
DW2025
1. RedotPay Virtual Card Details
The virtual card is the low-cost entry point into crypto spending, designed purely for digital and mobile transactions.
- Cost with Promo: Only $8 USD using code
DW20OFF. - Best For: Users who primarily shop online (e-commerce, subscriptions like Netflix or Spotify) or use mobile payment methods like Apple Pay and Google Pay for everyday purchases.
- Limitations: It cannot be used at traditional POS terminals that only accept physical card insertion or swiping, and it explicitly does not support cash withdrawals from ATMs.
2. RedotPay Physical Card Details
The physical card is a full-fledged Visa debit card that extends all virtual card functionalities to the physical world, plus the crucial ability to withdraw cash.
- Cost with Promo: $80 USD using code
DW2025. - Best For: Individuals who travel frequently, require the flexibility of paying at any physical store globally, or need the ability to convert their crypto assets into local fiat currency via ATMs.
- Considerations: While the initial fee is higher, it provides complete payment freedom. Note that ATM withdrawals incur a 2% fee plus a potential 1.2% FX fee.
Summary
The choice between the two cards hinges entirely on your lifestyle needs:
- Choose the Virtual Card (using code
DW20OFF) for instant, cost-effective online and mobile payments. - Choose the Physical Card (using code
DW2025) for global versatility, offline shopping, and the ability to access cash via ATMs.
Both cards share common features like no annual fees and real-time conversion of major cryptocurrencies (USDT, BTC, ETH, etc.) at the point of sale.