DCS Card Centre and Visa have launched the DeCard Visa card in Singapore, a micro credit card that can be topped up using either fiat currency or digital assets.
Designed to help users spend only what they already own, the card offers an alternative to traditional credit options and supports better cash flow management without the risk of debt.
Unlike conventional credit or debit cards, DeCard operates on a regulated top-up model.
Users can fund the card through Singapore dollar transfers or, for those already active in digital finance, by converting stablecoins such as USDT and USDC.
The card offers a high and flexible top-up limit, allowing both individual users and businesses to access funds more efficiently.
It enables everyday spending through Visa’s global network of over 150 million merchant locations and is compatible with Apple Pay and Google Pay.
Users can also make cash withdrawals at ATMs overseas, with fees capped at S$5 or 1%, whichever is lower. There are no annual fees.
The DeCard Visa card is intended for users who already hold digital assets and is not designed to promote new adoption.
By allowing access to existing value in fiat or crypto, it provides a secure and transparent way to manage spending across both traditional and digital financial ecosystems.
The card also offers competitive conversion costs, with users saving over 50% on foreign exchange transaction fees compared to typical credit card rates in Singapore.
DCS, formerly known as Diners Club Singapore, has plans to scale the card product internationally, starting with Singapore, as part of its broader efforts to modernise payments and offer flexible, real-world use cases for digital assets.
“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’re allowing both mainstream and Web 3.0-savvy users to manage their money on their own terms — all within Singapore’s trusted regulatory framework.
Our partnership with Visa strengthens this commitment by combining global acceptance with secure, compliant innovation.”
said Elsa Qiu, Chief Commercial Officer at DCS Card Centre.
“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,”
said Nischint Sanghavi, Head of Digital Currencies – Asia Pacific.
From left: George Jiang, Chief Product Officer, DCS; Dr. Cyrus Tong, Chief Compliance Officer, DCS; Lionel Lee, MD, Consumer Cards, DCS; Nischint Sanghavi, Head of Digital Currencies, Visa Asia Pacific; Adeline Kim, Visa Country Manager, Singapore & Brunei; Cheng Haoran, Chief Operating Officer, DCS; Elsa Qiu, Chief Commercial Officer, DCS; Dayna Leng, Chief Marketing Officer, DCS; Kerri Teo, Visa, Head of Sellers & Fintechs, Singapore & Brunei.
