DCS Card Centre and Visa launch fiat-crypto top-up card in Singapore

By Gloria Methri

Singapore’s DCS Card Centre has partnered with Visa to introduce the DeCard Visa card, a micro–credit card that can be topped up using either fiat currency or digital assets. The product is currently available in Singapore and forms part of DCS’s wider strategy to modernise payments and extend practical use cases for digital assets.

The DeCard Visa card is designed to allow users to spend only what they already hold, providing a pre-funded alternative to traditional credit options. Unlike standard credit or debit cards, DeCard follows a regulated top-up model that avoids the risk of debt, supporting improved cash flow management for individuals and businesses.

Users can load funds onto the card using Singapore dollar transfers, or – for those already engaged in digital finance – by converting stablecoins such as USDT or USDC. The card features a high and flexible top-up limit and is compatible with both Apple Pay and Google Pay. It can be used for everyday transactions via Visa’s global network of over 150 million merchants and supports overseas ATM withdrawals, with withdrawal fees capped at either S$5 or 1%, whichever is lower. There are no annual fees.

DCS clarified that the card is aimed at existing holders of digital assets, rather than encouraging new adoption. By facilitating access to value already held in fiat or crypto, the card offers a transparent way to manage spending across traditional and digital financial ecosystems. It also offers competitive foreign exchange conversion rates, with users able to save over 50% on typical credit card FX fees in Singapore.

Elsa Qiu, Chief Commercial Officer at DCS Card Centre, said, “At DCS, we believe users should have more clarity and control over their spending, not less. By enabling top-ups through fiat or digital assets, we are allowing both mainstream and Web 3.0-savvy users to manage their money on their terms, all within Singapore’s trusted regulatory framework. Our partnership with Visa strengthens this commitment by combining global acceptance with secure, compliant innovation.”

Nischint Sanghavi, Head of Digital Currencies – Asia Pacific at Visa, added, “We are proud to partner with DCS to launch a credit card in Singapore that bridges traditional finance with digital assets. This innovation enables consumers to convert their stablecoins to fiat for their transactions, allowing seamless payments at any Visa-accepting merchant worldwide. This card programme represents a significant step towards an integrated financial ecosystem where stablecoins can be used for everyday commerce, giving consumers more options in how they access and use their digital assets, while maintaining the security and convenience that Visa can provide.”

DCS, formerly known as Diners Club Singapore, intends to scale the card internationally following its Singapore launch.