Suitable for everyday online and offline spending, as well as various subscription payments; AI subscriptions are not supported.
Supports Apple Pay, Google Pay, Alipay, Hong Kong Alipay, WeChat Hong Kong Wallet, TenPayGo, etc.
Basic Information
Issuing region: Hong Kong
Card network: Visa
Settlement currency: USD
Card type: Virtual card / Physical card
Validity: 3 years
3DS verification: Supported
AVS verification: Supported
Apple Pay: Supported
Google Pay: Supported
App Store, Google Play: Supported
Spending limits: per-transaction limit USD 25,000; daily limit USD 50,000; annual limit USD 1,000,000.
Transaction Fees
Service fee: 1.6%
Cross-border fee: 0%
Authorization fee: USD 0.2/transaction
Zero-fee-rate trial or upgrade benefits are not supported.
Chargeback Deposit
Chargeback deposit: USD 10, fixed annual yield 5%. Chargeback deposit rules
Other Fees
Card issuance fee: USD 4.99 (first card can be issued for USD 0)
Monthly/annual management fee: USD 0 (originally $0.5/month, currently waived as an ongoing long-term promotion)
Top-up fee: 0%
Refund fee: 2.5%
⚠️ Chargeback fee (bank fees from failed transactions due to insufficient balance, card freeze, or deactivation): first 3 times per month USD 0.5; from the 4th time per month onward, USD 1
Transaction reversal fee: for authorized amounts ≥ USD 5, USD 1/transaction; for authorized amounts < USD 5, USD 0.2/transaction
Dispute handling fee: USD 50. If a dispute arises with a merchant or payment platform requiring bank resolution, a USD 50 processing fee applies per transaction regardless of outcome.
Card closure fee:
Free-application cards: USD 4.99, plus clawback of any cashback earned. This fee is waived if the card has more than 20 non-zero authorized transactions and cumulative spending over USD 1,000.
Paid-application cards: USD 0
Card Rules
Minimum initial top-up: USD 10; minimum subsequent top-up: USD 1, in whole-dollar amounts.
⚠️ A minimum balance of USD 10 must be retained when withdrawing funds; withdrawals must be in whole-dollar amounts.
⚠️ Bank freeze/unfreeze: card is frozen if balance falls below USD 2; automatically unfrozen once topped up above USD 10.
⚠️ Bank-initiated card closure occurs if: (1) balance falls below USD 0, or (2) 5 consecutive chargebacks occur.
Infinity-II Physical Card — Application and Rules
The physical card requires a separate application; a virtual card cannot be directly upgraded to a physical card. This is because the virtual card is activated immediately, while the physical card can only be activated after it is received.
Method 1: Physical Card Application and Fees
Initial top-up on application: USD 150
Card issuance fee: USD 68
Chargeback deposit: USD 10
Shipping fee: USD 0 for mainland China, Hong Kong, Macau, Taiwan; USD 30 for Thailand, Vietnam, Philippines, Malaysia, Indonesia, Laos, Singapore; USD 60 for other regions/countries
Processing time: 7–30 days
Card activation: manually activated upon receipt; the corresponding virtual card with the same number cannot be used before physical card activation
Fee deduction notes:
The issuance fee, chargeback deposit, and shipping fee are deducted from the initial top-up balance once the card application is approved. After activation, balance = initial top-up − issuance fee − chargeback deposit − shipping fee.
Once a card application is approved, no cancellations or refunds are accepted for any reason.
The issuance fee and shipping fee are non-refundable.
Method 2: Physical Card Application via ROOG Staking
Staking amount: ROOG tokens worth USD 200
Staking period: 3 years, annual yield 5%
Initial top-up on application: USD 150
Card issuance fee: USD 0
Chargeback deposit: USD 10
Shipping fee: USD 0 for mainland China, Hong Kong, Macau, Taiwan; USD 35 for Thailand, Vietnam, Philippines, Malaysia, Indonesia, Laos, Singapore; USD 70 for other regions/countries
Processing time: 7–30 days
Card activation: manually activated upon receipt; the corresponding virtual card with the same number cannot be used before physical card activation
Fee deduction notes:
The chargeback deposit and shipping fee are deducted from the initial top-up balance once the card application is approved. After activation, balance = initial top-up − chargeback deposit − shipping fee.
Once a card application is approved, no cancellations or refunds are accepted for any reason.
The shipping fee is non-refundable.
Staking cannot be terminated early.
Physical Card Features and Cash Withdrawal Fees
Supports ATM cash withdrawal in local currency (this feature is currently restricted in mainland China), and supports POS card swipes and contactless (NFC) payments. For users in mainland China, this physical card is intended for overseas travel withdrawals and spending. Fees:
ATM withdrawal fee: fixed USD 2/transaction + 2%
POS swipe and NFC payments: same fee rules as the virtual card
Limits:
ATM withdrawal limits: daily USD 5,000; monthly USD 100,000; annual USD 1,000,000
POS spending limits: per-transaction USD 25,000; daily USD 50,000
Annual limit: USD 1,000,000
Usage Restrictions
ATM cash withdrawal is restricted in mainland China.
All functions are restricted in sanctioned countries, including North Korea, Myanmar, Iran, Syria, Cuba, Sudan, Russia, etc.