> For the complete documentation index, see [llms.txt](https://docs.polyflow.tech/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.polyflow.tech/polyflow-crypto-card/key-information.md).
# Key Information
#### **1. Fees & Charges**
* **Card Issuance Fee:** USD $5 (one-time)
* **Monthly Maintenance Fee:** USD $3 (automatically deducted at the beginning of each month)
* **Top-up Fee:** 1.2% of the recharge amount
* **Transaction Service Fee:** USD $0.20 per transaction
A deposit of **USD $10** will be **frozen upon the first top-up** as a security reserve to prevent failed deductions for future monthly fees.
***
#### **2. Rewards System**
* **First Top-up:** Earn **200 points**
* **First Transaction:** Earn **400 points**
* **Subsequent Top-ups and Spending:** Earn points equivalent to the top-up or spending amount (1:1 ratio).
> *Note: Roam Card users are excluded from this reward system.*
***
#### **3. KYC Verification**
To activate a PolyFlow Crypto Card, users must complete **KYC verification** and **pay the issuance fee** after a successful recharge.\
KYC verification is **not available** for users located in the following **restricted regions**:
**Restricted Countries:**\
China, Singapore, Afghanistan, Albania, Armenia, Australia, Burkina Faso, Bulgaria, Burundi, Belarus, Congo (DRC), Central African Republic, Congo (Republic), Cameroon, Eritrea, Guinea-Bissau, Haiti, Indonesia, Iraq, Jamaica, Jordan, Japan, Kenya, Cambodia, Lebanon, Liberia, Libya, Morocco, Mali, Myanmar, Mozambique, Namibia, Nicaragua, Philippines, Pakistan, Palau, Russia, Rwanda, Sudan, Sierra Leone, Senegal, Somalia, South Sudan, Tanzania, Ukraine, Uganda, Venezuela, Yemen, South Africa, Zimbabwe, Cuba, North Korea, Iran, Syria.
***
#### **4. Payment & Integration**
* The PolyFlow Crypto Card can be **linked to Google Pay and Apple Pay**, allowing seamless crypto-to-fiat transactions both online and offline.
* Each payment is settled instantly at live market rates via PolyFlow’s payment gateway, **Pelago Connect**.
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#### **5. Account & Balance Management**
* When the **combined frozen balance and available balance** falls below **USD $10**, the card will be **automatically frozen**.
* On the **1st day of each month**, the system deducts the previous month’s maintenance fee from valid cards.
* If the balance is **insufficient**, the system will attempt to deduct from the **frozen deposit** and temporarily **lock the card**.
* If deduction succeeds, users will receive an email notification confirming the monthly fee payment.
* If deduction fails, users will receive an email alert regarding the failure, and the card will remain locked.
* Once the card is recharged to meet the **minimum required balance**, it will **automatically unlock**.
***
#### **6. Card Deactivation**
If a user’s card remains **locked for two consecutive months** due to insufficient balance, the system will deduct the frozen deposit to cover outstanding fees and **permanently delete** the card.\
Currently, **manual card cancellation by the user is not supported**.
***
#### **7. Summary**
The PolyFlow Crypto Card is designed to make **crypto payments as seamless as fiat**, bridging digital assets with real-world spending.\
With instant conversion, point rewards, and integrations with Google Pay and Apple Pay, PolyFlow empowers users to **spend crypto anywhere, anytime—effortlessly.**