In today's era of widespread cryptocurrency adoption, converting crypto earnings into real-world purchasing power often involves long waits, tedious withdrawal audits, and high exchange losses. The launch of the "Pionex Card" directly supports everyday spending with USDT. Whether it's offline swiping, online shopping, or booking travel, your crypto assets can be instantly converted into purchasing power—while every purchase accumulates real returns for you.
What is Pionex Card?
Pionex Card is a payment card specifically designed for crypto users. Its biggest feature is allowing users to spend the USDT in their accounts directly, without needing to convert it to fiat currency first. Pay with crypto as easily as a standard bank card.
All-scenario application: As long as you have USDT in your account, you can pay seamlessly at merchants that accept Visa/Mastercard worldwide — just pay as usual (only a small number of restricted countries/regions are excluded; see “Why is Pionex Card Usage Restricted in Certain Regions”):
Daily spending: Convenience store shopping, supermarket groceries, cinema tickets.
Online subscriptions: Easily pay for services like Netflix, Spotify, ChatGPT, Apple/Google cloud storage, etc.
Overseas travel: Pay for overseas restaurants, hotel accommodations, attraction tickets, and transit card top-ups.
Work & Business: Work tool subscriptions, domain renewals, design software payments, etc.
No annual or management fees:
Annual Fee | Free |
Account Inactivity Fee | Free |
Cashback on Every Purchase, The More You Spend, The More You Save:
The Pionex Card not only has no issuance or annual fees, but also offers the highest 1% cashback on every purchase. It helps you achieve a zero-loss spending experience, lowers your daily spending costs, and can save you a significant amount of money over long-term use.
Enjoy 5% APY on Your Pionex Card Balance:
By depositing funds into your Pionex Card account, you can enjoy a 5% annualized yield. Your USDT balance continues to earn interest while waiting to be spent. Your money won't just "lie flat"; it grows every hour. Interest is credited hourly. For a Visa card, it goes to your Card Account. For a Mastercard, it goes to either your Card Account or your Primary Account, depending on your card.
Where does the yield come from? It works the same way as Pionex's "Arbitrage" product: returns are generated by hedging spot positions against futures, primarily from perpetual futures funding fees, with a base annualized rate of 5%.
Can the rate go higher? Yes. Each month, once your combined "net deposit transferred to Pionex" + "new spending" reaches a threshold, a boosted rate applies starting the following month: 1,000 USDT net deposit + 500 USDT spending gets you to 5.4%, 5,000 USDT net deposit + 2,000 USDT spending gets you to 5.7%, and 10,000 USDT net deposit + 5,000 USDT spending gets you to the top tier of 6.0%. Boosted rates apply to the Visa Black Card only. Other cards earn the base rate of 5%.
Supports Multiple Payment Methods & One-Click Apple Pay Binding:
Pionex Card supports various mainstream payment methods. It fully supports binding to Apple Pay, Google Pay, and other methods, and can be bound to Apple Pay with one click. It can be used in offline stores, for in-app purchases, and web checkouts—supporting Face ID / Touch ID for quick, safe, and convenient verification. You don't need to carry a physical card; your phone is your wallet.
Stack Up to 5% Cashback on Trip.com Travel
On top of the base 1% cashback on every purchase, using your Pionex Card to book hotels, flights, and travel activities on Trip.com allows you to stack up to 5% cashback, making every trip an excellent value.
How to Open a Pionex Card Now?
The application process for the Pionex Card is extremely simple and intuitive. No additional bank account is required throughout the process, and there are no application fees. In just a few minutes, you can equip your USDT with "instant spending" capabilities. Please follow this link to apply.