XPlace Card fees
Availability not published by the issuer
- Operator
- XPlace
- Issuer
- Pontech Group L.L.C-FZ
- Custody
- Self-custodial
Published verdict · $1,000 foreign purchasefloor
Read from issuer documents · 9/9 sourced · last read 2026-07-25
Foreign purchase
published components only
Cost to hold
annual fee, as published
Cashback
as published
Yield
on balances, as published
Read the fee schedule before you apply
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These fees are quoted, not measured. FeeFloor measures exchange execution cost from live order books. A card fee cannot be measured that way — it is published by the issuer. So every figure below links to the issuer’s own document and shows the date we last read it. 9 of 9 fee fields on this card are backed by a primary document.
Published fees
“Not published” means we read the issuer’s documents and the figure was not there — not that it is free.
| Fee | Published |
|---|---|
| Monthly fee | Not published Membership is billed annually, not monthly. |
| Annual fee | Varies by tier Basic is free; Silver $99/year, Gold $249/year, Platinum $999/year. The tier sets cashback, limits and lifestyle benefits rather than the card fees, which are identical across tiers. |
| Physical card | Not published Higher tiers are described as including a physical or metal card, but no issuance price is published. |
| Virtual card | Free The virtual card is created instantly once KYC is complete and a PIN is set. No issuance charge is disclosed. |
| Replacement | Not published The terms reserve the right to charge issuance and replacement fees on 30 days’ notice but publish no current figure. |
| Funding / conversion | Not published Cash mode is funded by depositing USDC directly. No top-up charge is disclosed in the fee table. |
| Foreign currency | Free The issuer’s disclosure table states a 0% foreign exchange fee on non-USD purchases and a 0% cross-border fee, at every membership tier. |
| ATM (domestic) | Not published The published fee table covers foreign purchases and penalties only; no ATM row exists. |
| ATM (international) | Not published |
What a purchase actually costs
Computed from the fees the issuer publishes, at two purchase sizes. When any component is unpriced — a tiered rate, a “varies”, a fee in another currency — the total is a floor, not the full price. No issuer on our list publishes its conversion spread, so none of these totals include it.
Base-currency purchase
- Funding / conversionNot publishednot published by the issuer
No published figure allows this to be computed — every relevant component is unpriced by the issuer.
Foreign-currency purchase
- Funding / conversionNot publishednot published by the issuer
- Foreign currencyFree
- On a $10 purchase
- $0.00 (0.00%)floor
- On a $1,000 purchase
- $0.00 (0.00%)floor
From a third-party listing — not verified against the issuer
Cashback conditions: Basic USDC Cashback: 0.5% Silver USDC Cashback: 1% Gold USDC Cashback: 1.5% Platinum USDC Cashback: 2%.
Source: ranked.plus, read 2026-07-27. Where this conflicts with the issuer-sourced table above, the table wins.
Tiers
- Basic1% rewards
1% cashback in credit mode, plus 1% XP. No hotel or flight booking cashback.
- Silver2% rewards
2% cashback in credit mode, 3% XP, 1% on hotel and flight bookings, one lounge visit a year.
- Gold3% rewards
3% cashback in credit mode, 6% XP, 3% on hotel and flight bookings, four lounge visits and two fast-track passes a year.
- Platinum4% rewards
4% cashback in credit mode, 10% XP, 5% on hotel and flight bookings, unlimited lounge access, five fast-track passes, concierge and VIP events.
What the issuer states
- Operator
- XPlace
- Issuing entity
- Pontech Group L.L.C-FZ
- Network
- Visa
- Reward asset
- USDC
- Chains
- Solana
- Assets
- USDT, USDC, cbBTC, wETH, SOL, jitoSOL
- KYC
- Full (identity verification required)
- Cashback
- 0.5% – 4%
- Savings APY
- up to 12%
- Funding methods
- Crypto
- Cashback: Issuer: "The higher your Membership level — the more you get back."
- Savings APY: Marketed as up to 12% APY on collateral deployed in Kamino Finance; variable, not a card rate.
- Funding: Deposit SOL, BTC, ETH, USDT and other supported assets as collateral, or top up cash mode with USDC.
Best for
- Travel spending
- Cashback
- Earning yield
- Self-custody
Computed from the published record — hover a tag for the fact that earned it. Not editorial picks.
Separate card terms exist for US and international users, so both are served; no eligible-country list is published. Purchases carry 0% APR, which the issuer states it may change with prior disclosure. Penalty fees are up to $40 for a late payment and up to $29 for a returned payment. Collateral sits in Kamino Finance contracts and backs a USDC credit line at published loan-to-value rates — 80% for USDT, 70% for cbBTC and wETH, 65% for SOL, 50% for jitoSOL — and can be partially liquidated if its value falls, which is a cost of the product that no fee table captures.
How XPlace Card compares
The issuer publishes no figure for monthly fee, physical card, replacement, funding / conversion, atm (domestic) and atm (international) — 6 of the nine categories we track. We record that as "not published" rather than assuming zero, because an unpublished fee is a question, not an answer. If you depend on one of these, the only reliable source is the issuer's support channel, in writing.
Every comparison in this section is computed from the 43-card registry at render time — when a record changes, these sentences change with it.
Other self-custodial cards
Sources
- Issuer sitex.place· Issuer document, read 2026-07-25
- Fee documentdocs.x.place· Issuer document, read 2026-07-25
- Termsdocs.x.place· Issuer document, read 2026-07-25
FeeFloor is not affiliated with XPlace Card and does not verify the issuer’s regulatory status or whether the card is legally available to you. Card terms change without notice — check the issuer’s page before acting on anything here. Report a correction.
Thinking about XPlace Card?
Read the fee schedule at the source before you apply — the figures on this page are what the issuer published on the date shown beside each one, and card terms change without notice.
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