Question 1

Who Can Apply for XT Card?

Accepted Answer

All registered XT users can apply for XT Card, except those from certain sanctioned countries and regions.
Currently, XT Card is not available in the following countries and regions: Afghanistan, Belarus, Democratic Republic of the Congo, Central African Republic, Cuba, Guinea-Bissau, Haiti, Iran, Iraq, North Korea, Lebanon, Libya, Mali, Myanmar, Russia, Somalia, South Sudan, Sudan, Syria, Venezuela, Yemen, and Zimbabwe.

Question 2

What Spending Scenarios Are Supported?

Accepted Answer

The physical card can be used at Visa merchants worldwide (excluding Mainland China for now), and the virtual card can be used for spending at Visa merchants worldwide.
Multiple online and offline spending scenarios are supported, including shopping, travel, dining, and more.
You can also use it to subscribe to various services such as ChatGPT, Netflix, Spotify, and others.

Question 3

Can I Withdraw Cash from ATMs?

Accepted Answer

Virtual Card: ATM cash withdrawals not supported
Physical Card: ATM cash withdrawals supported

Physical Card ATM withdrawal rules:
Per-transaction limit: $1,500
Daily limit: $1,500
Withdrawals per day: 1
Monthly limit: $15,000
Fee: 2% (minimum $1)

Question 4

How to Use XT Card?

Accepted Answer

After activating XT Card, you need to deposit from your Spot Account USDT to get XT Card USD balance. Once the deposit is completed, you can use your XT Card for spending.

Question 5

What Are the Fees for XT Card?

Accepted Answer

Annual fee: No annual fee for the first year; from the second year onwards, an annual fee of <3>{annualFee} <3>{annualFeeCurrency}
Crypto deposit fee: <3>{depositFeeRate}
Spending fee: <4>{consumeFeeRate}
Small-amount transaction service fee: For any single transaction below 1 USD, a fee of 0.1 USD will be charged.

Question 6

Which Cryptos Are Supported by XT Card?

Accepted Answer

Currently, only USDT is supported for deposit.

Question 7

What Is the Limit of XT Card?

Accepted Answer

Single transaction limit: 50,000 USD
Daily transaction count: 50 times
Daily transaction limit: 500,000 USD
Monthly transaction limit: 1,000,000 USD

Question 8

Is Google Pay and Apple Pay Supported?

Accepted Answer

Google Pay is supported. Apple Pay is expected to launch in April 2026.

Question 9

What Should I Do If My XT Card Physical Card Is Lost?

Accepted Answer

If your XT Card physical card is lost, please go to “Card Management” and “Freeze” the corresponding card. Currently, reporting loss and reissuing a card is not supported. If there is still a balance in your account, please contact customer support for assistance.

Question 10

What Is the Spending PIN for the XT Card Physical Card?

Accepted Answer

The Spending Password is the PIN code used for offline payment verification. Please keep it safe. If you forget it or suspect it has been compromised, go to Card Management, select the corresponding card, and tap Reset Spending PIN.

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