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.
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.
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