The fees and spending limits for the Bitunix Card are listed below:
1.Bitunix Card Fees
The Bitunix Card allows you to spend USDT directly from your Bitunix account. Below is a detailed overview of all applicable fees:
| Fee Type | Rate and details | Notes |
| Annual fee | 0 | |
| Monthly fee | 0 | |
| Card issuance fee | 0 | |
| Idle fee | A monthly fee of $1 is charged after 12 months of inactivity (no transactions initiated by the cardholder). | A monthly fee of $1 is charged after 12 months of inactivity (i.e., no transactions initiated by the cardholder). Once the cardholder resumes transaction activity, the fee will cease to be charged, and the 12-month period will reset. |
| Card cancellation fee | 0 | |
| Cryptocurrency conversion fees | 0% | |
| Foreign exchange markup fees | 1.5 % | A 1.5% markup on the VISA foreign exchange rate. |
| Cross-border transaction fees | 0.5% | Cross-border transaction fees apply to USD spending |
| Failed transaction fee | 0 | |
| Small service fee | 0.3 USD / transaction | DA fee of 0.3 USD is charged per transaction for settlement amounts under 10 USD. The first three transactions per user each month are exempt from the fee; the count resets automatically the following month. |
| Card replacement fee | 0 | |
| Chargeback | 50 USD / transaction | If you wish to dispute a transaction and request a reversal and refund, please contact customer service for assistance in initiating the dispute and arbitration process with the card network. |
| ATM Cash Withdrawal（Only apply for physical card） | 2% / transaction | Transaction fees are waived for the first $100 per month; a 2% fee per transaction applies to amounts exceeding $100. |
Notes:
- Foreign exchange (FX) fee applies when you make a transaction in a currency different from your card’s denominated currency.
- Virtual Bitunix Card issuance is free for now. We’ll notify you in advance if this changes.
2. Spending Limits
| Card Type | Limits (Per Transaction / Daily / Monthly) |
| Green Card | 10,000 USD / 10,000 USD / 50,000 USD |
3. ATM Withdrawal Limits (Physical Card Only)
There is an ATM withdrawal limit when using a physical Bitunix Card.
| Card Type | Daily limit | Monthly limit |
| Green Card | 1,500 USD | 15,000 USD |
4. Case Study
Most of your daily spending will only involve one fee type. Below are some common scenarios to help you understand exactly how fees are calculated.
Good news: Unlike traditional bank cards that charge the same fees for every user, Bitunix Card rewards active traders with progressively higher cashback.
As your VIP level increases, your cashback rate increases from 1% to 8%, helping offset FX and international transaction fees.
In many cases, higher VIP users can significantly reduce — or even fully offset — their effective card fees.
| VIP Level | Cashback |
| VIP 1 | 1% |
| VIP 2 | 2% |
| VIP 3 | 2% |
| VIP 4 | 4% |
| VIP 5 | 4% |
| VIP 6 | 6% |
| VIP 7 | 6% |
| VIP 8 | 8% |
For more information: Introduction to Card Rewards
Fee Summary Quick Check
| Spending Scenario | FX Fee | Cross-border Fee | Small Transaction Fee |
| Non-USD purchase ≥10 USD | ✅ 1.5% | ❌ | ❌ |
| Non-USD purchase <10 USD | ✅ 1.5% | ❌ | ✅ 0.3 USDT（First 3 transactions waived each month） |
| USD purchase ≥10 USD | ❌ | ✅ 0.5% | ❌ |
| USD purchase <10 USD | ❌ | ✅ 0.5% | ✅ 0.3 USDT（First 3 transactions waived each month） |
Case 1：Foreign Currency Purchase (FX Fee)
Scenario
You use your Bitunix Card in Japan to buy clothes.
- Merchant Currency：JPY
- Purchase Amount: 20,000 JPY
- If the exchange rate for VISA on that day is：20,000 JPY = 135 USD
- Bitunix applies a 1.5% FX fee on top of the Visa exchange rate.
| Item | Amount |
| Purchase Amount | 135.00 USD |
| FX Fee (1.5%) | 2.03 USDT |
| Total Charged | 137.03 USDT |
Cashback
If you are VIP 1, Cashback (1%) 135 × 1% = 1.35 USDT Cashback
If you are VIP 2, Cashback (2%) 135 × 2% = 2.70 USDT Cashback
If you are VIP 3, Cashback (2%) 135 × 2% = 2.70 USDT Cashback
If you are VIP 4, Cashback (4%) 135 × 4% = 5.4 USDT Cashback
If you are VIP 5, Cashback (4%) 135 × 4% = 5.4 USDT Cashback
If you are VIP 6, Cashback (6%) 135 × 6% = 8.1 USDT Cashback
If you are VIP 7, Cashback (6%) 135 × 6% = 8.1 USDT Cashback
If you are VIP 8, Cashback (8%) 135 × 8% = 10.8 USDT Cashback
Result
| Amount | |
| FX Fee | 2.03 USD |
| Cashback | +1.35 USDT~ +10.8 USDT |
| Effective Benefit | -0.68 USDT ~ +8.77 USDT |
In this example, the cashback is higher than the FX fee if you are VIP 2 or higher. The higher your VIP level, the more cashback you earn, and the lower your card usage costs become.
Case 2：Small Transaction Fee
Scenario
When you buy a coffee. Purchase Amount: 8 USD
Since the transaction amount is below 10 USD, a 0.3 USDT Small Transaction Fee applies.
| Item | Amount |
| Purchase | - 8.00 USD |
| Small Transaction Fee | - 0.30 USDT |
| Total Charged | - 8.30 USD equivalent |
| Cashback (VIP 1 ～ VIP 8) | + 0.08 USDT ～ +0.64 USDT |
| Actual cost (Based on your VIP level) | 8.22 USDT ～ 7.66 USDT |
Note
Every user receives 3 fee-free small transactions every month.
Only the 4th eligible transaction onward will incur this fee.
Cashback
If you are VIP 1, Cashback: 8 USD × 1%= 0.08 USDT
If you are VIP 2, Cashback: 8 USD × 2%= 0.16 USDT
If you are VIP 3, Cashback: 8 USD × 2%= 0.16 USDT
If you are VIP 4, Cashback: 8 USD × 4%= 0.32 USDT
If you are VIP 5, Cashback: 8 USD × 4%= 0.32 USDT
If you are VIP 6, Cashback: 8 USD × 6%= 0.48 USDT
If you are VIP 7, Cashback: 8 USD × 6%= 0.48 USDT
If you are VIP 8, Cashback: 8 USD × 8%= 0.64 USDT
Case 3：Foreign Currency + Small Transaction Fee
Scenario
When you buy a drink in Japan. Merchant Amount: 1,300 JPY
If the exchange rate for VISA on that day is： 8 USD
Since
- Non-USD transaction
- Under 10 USD
- Both fees apply.
Calculation
| Item | Amount |
| Purchase | - 8.00 USD |
| FX Fee (1.5%) | - 0.12 USD |
| Small Transaction Fee | - 0.30 USDT |
| Total Charged | - 8.42 USD equivalent |
| Cashback (VIP 1, 2%) | + 0.08 USDT ～ +0.64 USDT |
| Actual cost (Based on your VIP level) | 8.34 USDT ～ 7.78 USDT |
Cashback
If you are VIP 1, Cashback: 8 USD × 1%= 0.08 USDT
If you are VIP 2, Cashback: 8 USD × 2%= 0.16 USDT
If you are VIP 3, Cashback: 8 USD × 2%= 0.16 USDT
If you are VIP 4, Cashback: 8 USD × 4%= 0.32 USDT
If you are VIP 5, Cashback: 8 USD × 4%= 0.32 USDT
If you are VIP 6, Cashback: 8 USD × 6%= 0.48 USDT
If you are VIP 7, Cashback: 8 USD × 6%= 0.48 USDT
If you are VIP 8, Cashback: 8 USD × 8%= 0.64 USDT
Case 4：USD Cross-border Purchase
Scenario
You use your card on a US website. Purchase Amount: 100 USD
Since the transaction is already in USD, No FX Fee
However, an International Processing Fee of 0.5% applies.
| Item | Amount |
| Purchase | 100.00 USD |
| Cross-border Fee (0.5%) | 0.50 USD |
| Total Charged | 100.50 USD |
Cashback
VIP 1 Cashback 100 × 1% = 1 USDT
VIP 2 Cashback 100 × 2% = 2 USDT
VIP 3 Cashback 100 × 2% = 2 USDT
VIP 4 Cashback 100 × 4% = 4 USDT
VIP 5 Cashback 100 × 4% = 4 USDT
VIP 6 Cashback 100 × 6% = 6 USDT
VIP 7 Cashback 100 × 6% = 6 USDT
VIP 8 Cashback 100 × 8% = 8 USDT
Result
| Amount | |
| Cross-border Fee | 0.50 USD |
| Cashback | +1.00 USDT～+8.00 USDT |
| Effective Benefit | +0.50 USDT ~ +7.5 USDT |
Case 5：USD Cross-border + Small Transaction Fee
Scenario
You subscribe to an AI service for 8 USD
Since
- USD Transaction
- Under 10 USD
- Both fees apply.
| Item | Amount |
| Purchase | - 8.00 USD |
| Cross-border Fee (0.5%) | - 0.04 USD |
| Small Transaction Fee | - 0.30 USDT |
| Total Charged | - 8.34 USD equivalent |
| Cashback (VIP 1~VIP 8) | + 0.08 USDT ~ +0.64 USDT |
| Actual cost (Based on your VIP level) | 8.26 USDT ~ 7.7 USDT |
Cashback：
VIP 1 Cashback : 8 × 1% = 0.08 USDT
VIP 2 Cashback : 8 × 2% = 0.16 USDT
VIP 3 Cashback : 8 × 2% = 0.16 USDT
VIP 4 Cashback : 8 × 4% = 0.32 USDT
VIP 5 Cashback : 8 × 4% = 0.32 USDT
VIP 6 Cashback : 8 × 6% = 0.48 USDT
VIP 7 Cashback : 8 × 6% = 0.48 USDT
VIP 8 Cashback : 8 × 8% = 0.64 USDT
Disclaimer:
This article is not intended to provide
(i) investment advice or recommendations;
(ii) an offer or solicitation to buy, sell, or hold digital assets; or
(iii) financial, accounting, legal, or tax advice. Digital assets, including stablecoins and NFTs (non-fungible tokens), carry a high level of risk and may experience significant price fluctuations.
You should carefully evaluate whether trading or holding digital assets is suitable for your circumstances, based on your financial condition. Please consult a qualified legal, tax, or investment professional regarding your specific situation.
You are solely responsible for understanding and complying with all applicable local laws and regulations.