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Fee sheetChecked 04 Nov 2026
0% back3% FXthird-party data

EMCD Card: fees & cashback

Source: unverified, not checked against the issuer help center yet. Treat the numbers as indicative.

Cashback0%
FX / conversion2.5% top-up; $0.25/tx; up to 3% conversion on non-USD (issuing bank)
Annual fee$5/mo (Plus/Premium)
IssuancePlus $19 / Premium $25 (Light closed to new users)
Top-up1.5% (Plus/Premium)
ATMVirtual only
NetworkMastercard
RegionsWhere Mastercard is accepted

Bonus: USDT Mastercard, Apple/Google Pay, RF-friendly KYC

Note: Light: $0.25/tx, 2.5% top-up, cap $2k/mo, up to 3% non-USD; Plus/Premium $19/$25 + $5/mo; no ATM

Tiers by plan

TierCashbackFXCapCost
Base0%3% *

* issuer help: up to 3% conversion on non-USD, set by issuing bank

Source: unverified, not checked against the issuer help center yet. Treat the numbers as indicative.

Questions answered

What cashback does EMCD Card pay?

0%

Does EMCD Card charge a foreign exchange fee?

2.5% top-up; $0.25/tx; up to 3% conversion on non-USD (issuing bank) Listed FX on non-USD spend: 3%.

What does EMCD Card cost?

Annual fee: $5/mo (Plus/Premium). Issuance: Plus $19 / Premium $25 (Light closed to new users).

Where is EMCD Card available?

Where Mastercard is accepted

Real receipts

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