DCS Card Centre and Visa have unveiled the DeCard Visa card, a micro credit card that offers users the flexibility to top up using either fiat currency or digital assets. This innovative card, launched on 15 May 2025, aims to empower consumers and businesses by providing a secure and seamless way to manage their finances without incurring unnecessary debt. The card is designed to cater to the growing trend of digital asset ownership in Singapore, where 26% of residents held digital assets in 2024.
The DeCard Visa card addresses the increasing demand for accessible and controlled spending options. Unlike traditional credit cards, it operates on a top-up model, allowing users to fund their accounts through Singapore Dollar transfers or digital assets, such as USDT and USDC. These digital assets can be converted into fiat currency for spending at over 150 million Visa-accepting merchants worldwide, facilitated by MAS-licensed Digital Payment Token service providers.
Elsa Qiu, Chief Commercial Officer at DCS Card Centre, stated, “By enabling top-ups through fiat or digital assets, we’re allowing both mainstream and Web3-savvy users to manage their money on their own terms — all within Singapore’s trusted regulatory framework.”
The card offers several advantages, including competitive conversion costs, no annual fees, and compatibility with digital wallets like Google Pay and Apple Pay. It also provides significant savings on foreign exchange transaction fees, making it a cost-effective choice for users.
Nischint Sanghavi, Head of Digital Currencies – Asia Pacific at Visa, highlighted the card’s role in bridging traditional finance with digital assets, stating that it represents a significant step towards an integrated financial ecosystem.
The DeCard Visa card is part of DCS’s strategy to modernise the payments landscape, starting in Singapore with plans for international expansion.
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