BasedApp Card
- Enjoy zero gas fees (covered by BasedApp)
- No minimums for swaps
- Virtually no fees
- No Apple Pay (but soon)
- This is Singapore-only card
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | $ SGD |
| Apple Pay | Not Enabled |
| Monthly Fee | 0.00 SGD |
| Monthly Inactivity Fee | 0.00 SGD |
| Crypto to SGD Crypto->SGD Conversion Cost | ~0.5% |
| Highest Cashback | up to 1% |
| Entry-Level Cashback | 0.3% |
| Entry-Level Cashback Monthly Cap | 450 SGD |
| Daily Spending Limit | 3,000 SGD |
| Daily ATM Withdrawal Limit | N/A (ATM Withdrawals Not Enabled) |
| Foreign Exchange Fee | 0% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Crypto Asset Management | Non-Custodial (connect your own wallet) |
| Supported Countries | Singapore |
| Supported Blockchains | Polygon |
| Supported Cryptocurrencies | COMPDAIMATICUSDCUSDCEUSDTWBTCWETH |
BasedApp Card Benefits and Rewards
BasedApp offers up to 1% cashback.
You’ll earn 3 points for every dollar spent using your BasedApp card. For purchases on services like Spotify, Netflix, YouTube, GSuite, Twitter, Dropbox, and ChatGPT, you’ll earn an additional 3 points per dollar.
These points can then be redeemed for XSGD as follows:
| You Spend | Cashback |
| Spend S$1,666
(5,000 points) |
0.3%
(5 XSGD) |
| Spend S$5,000
(15,000 points) |
0.5%
(25 XSGD) |
| Spend S$10,000
(30,000 points) |
1%
(100 XSGD) |
Reality Check While BasedApp Card promotes up to 1% cashback, if you're an entry-level user with 1,000 SGD in assets, you'll qualify for 0.3% cashback, capped at 450 SGD per month.
Are other cards more generous at base tier? No, they are not. In fact, BasedApp Card offers more value for the entry-level user, than most competitors:
| BasedApp Card | Industry Average1 | |
| Entry Level Cashback | 0.3% | 1% |
| Entry Level Cashback Monthly Cap | 450 SGD | 50 SGD |
BasedApp Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- No Bank Account Offered
BasedApp Card differs from a traditional debit card, where the balance is linked directly to your bank account.
With BasedApp, you'll need to top up your card before use. It should be noted that BasedApp doesn't offer a bank account with this card, as some crypto cards do, which means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.
It Comes in Both Physical and Virtual Forms
You can get BasedApp Card in either a physical or virtual version. The virtual card is instantly available online after completing KYC Identity Verification. Applying for and activating a physical card will replace the virtual one.
Wondering about the perks of each card type? Here are some highlights:
Physical Card | Virtual Card |
|---|---|
| Required for Car Rentals, Hotels | No Tangible Asset |
| Useful When Phone Dies, or no Wifi | No Apple Pay, Online Use Only |
| Backup Payment Method | Instant Availability |
Cost to Order: 19 SGD | Cost to Order: 0 SGD |
Get the Physical Card:Since BasedApp Card doesn't support Apple Pay, the virtual card is only good for online shopping and subscriptions like Netflix. It is a much better choice to get the physical card, so you could use the card both online and in real life.
The back of BasedApp Card
| Card Issuer | Fazz (Xfers) |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 46409600 |
| Validity Period | 5 years |
| Issuing Country | Singapore |
Crypto-to-SGD Conversion Cost with BasedApp Card
BasedApp Card Requires Pre-Load
Before you can use your BasedApp Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to SGD and moving it to the card account, to make it available for spending.
| Crypto to Fiat Conversion Fee | 0% |
| Sell Spread | 0% |
| Broker Sell Spread | ~0.5% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Gas Fees | You Pay 0% Gas Fees |
| Total Crypto to SGD Cost | ~0.5% |
Low Cost:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with BasedApp Card is much more cost-effective (~0.5%). This means that you will get more SGD for your crypto when using this card.
Rare Feature: BasedApp subsidizes your Gas Fees, so you pay effectively 0%. This is a unique rare feature. Just think about it... No gas fees for you to pay? That's amazing.
From all crypto cards we reviewed, Kast Card, WhiteBIT Card and Holyheld Card offer the cheapest crypto-to-fiat conversions (~0%, ~0.28% and ~0.5% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does BasedApp Card Compare to Other Crypto Cards?
BasedApp Card ranks #19 out of 63 amongst all the crypto cards we have reviewed so far. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.
In addition, BasedApp Card ranks #6 out of 15 amongst Non-Custodial Crypto Cards.
Strongest Features Against Competitors
Here are the strongest features of BasedApp Card against its 63 competitors:
- Offers up to 450 SGD per month in cashback for entry-level users (exceeding the competitors' 50 SGD average).
- Has a Foreign Exchange Fee of 0% (other cards have 1.5% average).
- Their customer service is very good with a 9/10 score (others score only 7.2/10 on average).
- Their crypto-to-fiat conversion cost, including all related fees and spread, is among the lowest at ~0.5% (versus an average of ~1.8% with other cards.)
- Their overall fees & limits structure is incredibly generous, with a score of 6.8/10 (average fees & limits structure rating amongst other cards is 5.7/10).
- This crypto card is non-custodial, which means you keep the keys to your crypto assets and can connect your own wallet. You have full control, unlike with custodial cards that manage your crypto assets.
Weakest Features Against Competitors
Compared to its 63 competitors, here are the shortcomings of BasedApp Card:
- Apple Pay isn't enabled (while 70% of competing crypto cards have it).
- Offers up to 1% cashback (while other cards give an average of 4%).
- Daily spend is capped at 3,000 SGD (while other cards offer 21,500 SGD daily spend limit on average).
- Supports only 8 cryptocurrencies (while other cards support an average of 20).
- Requires preconversion of crypto to load the card (while 30% of competitors auto-convert on every purchase).
- Supports only one blockchain, Polygon (while other non-custodial cards support an average of 6 blockchains).
BasedApp Card vs. xPortal Card vs. Gnosis Card
BasedApp Card
|
xPortal Card
|
Gnosis Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 SGD | 0.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~0.5% | ~1% | 0% + Gas Fees |
| Highest Cashback | up to 1% | up to 5% | up to 5% |
| Entry-Level Cashback | 0.3% | 0.2% | 2% |
| Daily Spending Limit | 3,000 SGD | Unlimited | 8,000 EUR |
| Daily ATM Limit | N/A (ATM Withdrawals Not Enabled) | 500 EUR | 500 EUR |
| Foreign Exchange Fee | 0% | 2.5% | 0% |
| Asset Management | Non-Custodial | Non-Custodial | Non-Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 8 | 11 | 2 |
| Apple Pay | Not Enabled | Enabled | Not Enabled |
| Customer Service | Great | Great | Great |
| Brand Authority | Growing | Growing | Growing |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. xPortal Card offers an unparalleled Unlimited daily spending limit. You will get lower daily limits with BasedApp Card and Gnosis Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Both xPortal Card and Gnosis Card offer solid cashback rewards of up to 5%. The cashback rewards for BasedApp Card are not as high.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
We Tested BasedApp's Customer Support
We asked BasedApp's customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
BasedApp offers support via the following channels:
| Chat | https://help.basedapp.io/en/ |
| operations@basedapp.io |
Location: BasedApp customer service reps are located in 
Singapore.¹
| Support Channel | Our Interaction | Score |
Chat (replied in 1 min) | Quick reply, personal feel, answered a question about the currency the card is denominated in. | High Competence Somewhat Personalized Adequate English, Professional Tone 9/10 |
Email (replied in 16 min) | Quick and to the point reply to a question about disputes. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Chat (replied in 1 h 4 min) | Answered what was asked for (regarding preauth restrictions), quick and concise reply. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Chat (replied in 1 h 3 min) | Short response to a question about 3ds security. Felt a bit dry, more details would be nice. | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
Chat (replied in 8 h 10 min) | Gave a clarification on supported tokens, provided additional information. | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
To summarize,
Competence and Problem-Solving: BasedApp's customer service agents are highly competent, so you can expect every issue to be resolved with professional expertise and a thorough understanding.
Customer Love: Their responses will be personalized when they need to look up specific information from your account, although they may not always address you by name.
Reply Speed: Response times are inconsistent but relatively fast, ranging from as quick as 1 minute to as slow as 8 hours.
Overall Customer Service Rating: 9/10
This excellent score places BasedApp's Customer Service well above the crypto card industry average of 7.2/10.
BasedApp Invite Code - to Get 7 USD Bonus
You can use invite code 1SV563OC to get 10 XSGD (~7 USD¹) bonus when you create an account on BasedApp platform.
Here's how you can enter the invite code:
..or, just click here.
Your bonus will be paid out to you in XSGD (XSGD), right after you spend your first S$100.
p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗
Is BasedApp Card Available for Residents of United States?
No, BasedApp Card is not available for residents of United States.
BasedApp Card supports: Singapore.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 11 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Valuable Points. What's My Next Step?
Paulina Masson
Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.
