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Best Crypto Card Australia 2023
Luis Clark
Best Crypto Card International and Local Investors
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Crypto debit cards offer viable alternatives to profit from cryptocurrency. Experienced cardholders benefit from crypto cashback, withdraw cash and other incentives with a crypto credit card. Spending Bitcoin and other cryptocurrencies on everyday purchases, transactions, and bill payments make these cards appealing to crypto investors.
In our crypto card Australia review, we review the top debit and credit cards for a seamless selection process.
Which is the Best Crypto Card Australia? Our Opinion:
Our top recommendation for Australians is the Crypto.com crypto debit card.
The exchange offers prepaid debit cards, both virtual and physical, with no annual or monthly fees to cryptocurrency investors. Crypto.com’s Visa card allows users to spend directly from their wallets without converting them into cash.
Best Cryptocurrency Cards in Australia
Several crypto credit and debit cards are available to Australians who want easy access to their crypto holdings for payment purposes. Each of these crypto debit cards offers different security features, supported assets, cashback, and rewards. In light of the aforementioned factors, we have ranked the best options below:
- Crypto.com Card – Best for Staking Rewards
- CoinJar Card – Best for Spending Rewards
- CryptoSpend Card – Best For Crypto To Fiat Conversion
- Coinbase Card – Best for Foreign Transactions
- Binance Card – Best Card with up to 8% Cashback
- Wirex Card – Best Crypto Card For Crypto International and Local Investors
Crypto.com Card - Best for Staking Rewards

Our top recommendation for Australians is the Crypto.com crypto debit card.
The exchange offers prepaid debit cards, both virtual and physical, with no annual or monthly fees to cryptocurrency investors. Crypto.com’s Visa card allows users to spend directly from their wallets without converting them into cash.
The prepaid crypto debit card can be used for online payments as well as physical purchases in stores where Visa is accepted. Users can also top it up using conventional ways such as cryptocurrency or a credit or debit card.
The standout feature of the Crypto.com card is its staking reward. Investors receive interest between 10% to 12% per annum when they stake the exchange’s utility token called Cronos (CRO).
The crypto debit card also supports 40+ crypto assets that users can earn up to 5% cashback on when they spend using the card. In addition, It also offers unlimited airport lounge access and a 100% rebate on streaming services subscriptions such as Spotify, Amazon Prime, and Netflix.
In terms of security, Crypto.com cardholders can safeguard their crypto debit cards with the customary two-factor authentication (2FA), a unique email address or alias, 24-hour withdrawal lock, and the exchange deploys anti-phishing codes to prevent cyberattacks.
Pros
- Up to 5% cashback rewards
- No credit checks required
- No annual fees
- Crypto staking available with up to 12% interest
- Supports 40+ cryptocurrencies and 6 fiat currencies, including AUD
Cons
- Staking is required to access most card benefits
- Maximum 5% cashback is only available to high stakers
- All crypto debit cards, except the free Midnight Blue, require 180 days of CRO staking before issuance
- All rewards are paid in CRO
- Card issuing fee of AUD 5.99
CoinJar Card - Best for Spending Rewards

Second on our list is the CoinJar Prepaid Card. The Mastercard converts cryptocurrency to fiat currency and can be used at any major payment vendor that accepts Mastercard and EFTPOS in Australia.
The CoinJar crypto debit card is available in both virtual and physical formats. The virtual card can be activated instantly via the CoinJar app, and the physical card is handy for ATM withdrawals.
Setting up the card is free, with access to 50+ cryptocurrencies that users can choose from for their spending accounts. The CoinJar also card is also integrated with Apple and Google pay.
The standout feature of the CoinJar card is its reward system. Cardholders are rewarded with 100 CoinJar rewards for every Australian dollar spent using the card. The reward points can be accumulated and redeemed for additional products and services.
The card’s no monthly fees and issuance fee features also make it attractive for heavy spenders who want to cut down on fees. However, there is a 1% conversion fee for crypto to fiat conversion and a minimum of AUD 2.99 foreign transaction fee.
In terms of security, CoinJar has a mandatory identity verification process as part of its KYC. This ensures all users are genuine and safe from fraud. The virtual card can also be safeguarded with passwords and 2FA. In addition, CoinJar has its network encrypted and firewall-protected to prevent hacks or similar attacks.
Pros
- Automatically converts crypto to fiat currency for payments
- Integrates with Apple and Google pay for seamless transactions
- 100 Coin Jar Rewards for every dollar spent
- No monthly or issuance fees
- Encrypted network to provide security against cyberattacks
Cons
- The $2.99 foreign transaction fee is high
- Some crypto debit cards don’t charge a 1% conversion fee
- Some crypto debit cards don’t charge a 1% conversion fee
- There is a maximum daily spending limit of AUD 5,000 or 25 transactions
- The CoinJar Card offers only reward points and no cashback
- The CoinJar Card is limited to only Australian customers
CryptoSpend Card - Best For Crypto To Fiat Conversion

When considering one of the best cryptocurrency cards for Aussies, check out the CryptoSpend card. The card is accepted by merchants supporting Visa payments and is peculiar for its instant payment settlements.
CryptoSpend is suitable for beginners and expert investors and comes in virtual and physical options to satisfy each customer’s need.
The Visa card also supports 6 cryptocurrencies, including Bitcoin, Ethereum, Bitcoin Cash, XRP, USD Coin, and Tether. However, it charges an AUD 14.99 card issuance fee.
The most significant feature of the CryptoSpend card is its direct crypto-to-fiat conversion. The card automatically converts users’ crypto assets into fiat currency at the time of payment, so they do not need to spend time manually doing this.
The card also offers a 3% cashback on crypto payments and is compatible with Apple Pay and Google. Users can also use the CryptoSpend card for direct PayID, BSB, and Aussie bill payments (BPAY).
Security features of the CryptoSpend card include cold asset storage of users’ assets, data encryption, and user-end safety measures like 2FA and password security.
Pros
- 3% cashback on spending
- No ATM withdrawal fee for the CryptoSpend card
- No foreign exchange fee
- Supports direct crypto to AUD payments
Cons
- AUD 14.99 card issuance fee
- Support is limited to only 6 crypto assets
- Rewards are available only in XRP
Coinbase Card - Best for Foreign Transactions

Coinbase is one of the world’s most reputable exchanges, and its crypto debit card offers investors an easy way to spend crypto worldwide.
In order to use the Visa debit card, an investor must have a Coinbase balance that can be credited to the card. The card is accepted in millions of locations worldwide, so users can make payments to merchants in Australia and beyond.
Customers can use the Coinbase card for international transactions with no annual, foreign transaction or card issuance fee. Users also get up to 4% cashback in crypto rewards.
Cryptocurrencies supported by the Coinbase Card are limited to only 8: BTC, ETH, LTC, BAT, REP, BCH, XLM, and ZRX. The card is also integrated into the Coinbase app for easy accessibility and monitoring of spending and limits in one place.
Coinbase Card stands out from other popular crypto debit cards for Australians due to its unique structure. The card charges no fees except the 1% conversion fee and the 3% international purchase fee. Additionally, Australian investors who travel frequently will benefit from the card’s availability across the globe.
The Coinbase Card is secured with two-step verification and an instant freeze feature that users can use if their card is compromised.
Pros
- Up to 4% cashback in rewards for spending
- No annual or foreign transaction fee
- Accepted by merchants worldwide
- Supports direct crypto to USD or AUD conversion
- Integrates with Apple and Google Pay
Cons
- Supports only 8 crypto assets
- 1% conversion fee applicable
- $2,500 (or its AUD equivalent) daily spending limits potential rewards
- No additional perks like TV subscription rebates
- 3% international purchase transaction fee
Binance Card - Best Card with Up to 8% Cashback

The Binance crypto debit card allows investors to convert and spend crypto coins at 60 million+ online and physical stores across the world. The Binance Visa card enables real-time conversion to fiat, and it offers up to 8% cash back in BNB on all eligible purchases.
Being part of the world’s largest exchange makes the card a good choice for domestic and local transactions. Processing and administrative fees are also waived with the card.
One of the Binance Visa Card’s most impressive features is its crypto-holding. The card allows investors to hold the crypto available for card payments in their Binance funding wallet and swap to fiat only when making payments. This way, they can earn free BNB rewards for holding their assets.
It is also accepted in more than 60 million locations and supports 14 cryptocurrencies, including BTC, ETH, ADA, XRP, BNB, DOT, BUSD, LAZIO, PORTO, SANTOS, SHIB, SXP, USDT, and AVAX.
Just like the exchange, Binance requires card users to be verified, ensuring security. The exchange with robust encryption and security features like cold asset storage and insurance fund.
Pros
- Accepted in 60 million+ stores worldwide
- Binance is a secure exchange
- No monthly or issuance fee
- Up to 8% cashback
Cons
- 1% transaction fee applicable
- Card transactions are taxed
- Card supports only 14 cryptocurrencies
Wirex Card - Best for International and Local Investors

The Wirex Visa Card is a multicurrency crypto card that allows users to spend fiat and crypto at various physical and online stores worldwide. The revolutionary crypto card converts digital assets to local currencies at the point of sale to offer users an easy payment system wherever they are.
The card supports 50+ crypto and fiat currencies. Users also earn up to 2% cashback in Wirex Token (WXT) rewards for every purchase. When used for international payments, the card uses the best live exchange rates with zero exchange fees. In-app alerts also help investors keep an eye on their spending.
The Wirex Card charges no shipping or issuance fee, meaning users can access both its virtual and physical crypto debit cards with zero payment. Its support for multiple currencies, including fiat and popular crypto assets, makes the Wirex card ideal for people who want to save costs and easily spend money anywhere in the world. However, the card charges a monthly fee.
Regarding security, the Wirex Card is issued bySutton Bank in Ohio, United States, and it’s insured by the Federal Deposit Insurance Corporation (FDIC). Users can also safeguard their cards with 2FA.
Pros
- Supports both fiat and cryptocurrencies
- Accepted in millions of locations worldwide
- Up to 2% cash back on card transactions
Cons
- Minimum of 9.99 EUR (or its AUD equivalent) monthly subscription fee
- Only paid users enjoy maximum cashback
Table with Comparison of Cards listed
NAME OF CARD | CARD TYPE | SUPPORTED CURRENCIES | PRICING |
---|---|---|---|
Crypto.com Card | Prepaid Debit Card | 40+ | No Issuance Fee |
CoinJar Card | Prepaid Debit Card | 50+ | No Issuance Fee |
CryptoSpend Card | Prepaid Debit Card | 6 | 14.99 AUD Issuance Fee |
Coinbase Card | Prepaid Debit Card | 8 | No Issuance Fee |
Binance Card | Prepaid Debit Card |