Compliant U-card platform - bitget: near 0-loss U-card platform

Card opening method: google play download bitget wallet or bitget exchange

I. Main interface of the platform

Bitget encrypted payment card related operations are mainly accomplished through the Bitget Exchange App and Bitget Wallet independent App. The interface layout focuses on the core functions with clear logic.

• Bitget Exchange AppBitget Card: The core board includes a special area for “Bitget Card”, where you can check the eligibility for card application, processing progress, transaction records, and realize USDT transfer by associating with “Asset Account”, and at the same time, it integrates VIP level inquiry, invitation rebate and other functional entrances, and the interface style is unified with the trading function module, highlighting the financial attributes. The interface style is unified with the trading function module, highlighting the financial attributes.
• Bitget Wallet AppThe “Wallet” is the core of the platform, with “Home”, “Quotes”, “Trading”, “Discover” and other navigation bars at the bottom, and the “More” section contains the “Bank Card” portal. "Discover" and other navigation columns, the "More" section contains the "bank card" entrance, after entering, you can complete the card application, identity verification, card management (binding payment platforms, freezing cards), recharge transfer and other operations, while displaying the invitation center, customer service entrance, the interface is simple and simple, and the invitation center and customer service entrance are also displayed. ), top-up transfer and other operations, while displaying the invitation center and customer service portal, the interface is simple and intuitive, adapting to the use habits of Web3 users.
• Common design: all provide transaction record details (consumption amount, currency, time, fee, etc.), real-time display of asset balance, support Apple Pay, Google Pay and other payment platforms to bind the entrance, and security settings (such as PIN code settings, transaction verification) are embedded in the card management module.

II. Timing of the establishment of the platform

Founded in 2018, Bitget Exchange is a globally renowned cryptocurrency trading platform, which is ranked among the top 10 in the global spot trading market and the top 5 in the derivatives trading market according to Coingecko data.Bitget cryptocurrency payment cards (including Bitget Credit Card and Bitget Wallet Card) are the payment derivatives to be launched by the platform. The specific card issuance time has not been clearly disclosed, but the relevant tutorials and reviews will be released in 2025, so it is presumed that the card will be issued no later than 2024.

III. Card opening fees

Bitget encrypted payment cards are divided into two categories of products with different rules for opening fees and both have active offers:

Card Type	Regular Card Opening Fee	Event Offers	note
Bitget Credit Card (Visa Platinum)	0 USDT	No additional charges	No annual fee, no application fee
Bitget Wallet Card (Visa/MasterCard)	10 USDT	Enter the designated invitation code to enjoy limited time free	No annual fee, no monthly fee, no card maintenance fee

IV. Top-up rates (consolidated)

1. Deposit Recharge FeeBoth types of cards have no deposit and replenishment fees, and users do not have to pay any additional fees when transferring USDT/USDC from the Bitget exchange/wallet to their card accounts.
2. Consumption-related rates::
   • Bitget Credit Card: Domestic transaction fee 0.9%, international transactions may incur additional exchange fees (according to the Visa exchange rate), spending will be frozen an additional 20% funds, unfrozen after the transaction is completed; ATM withdrawal fee 2%, foreign currency withdrawals an additional 2% exchange fee.
   • Bitget Wallet Card: FX conversion fee 0.3% - 0.6%, USD to other currencies 1.7%; Full 1:1 reimbursement of top-up fee, spending fee and foreign exchange fee (in USDC) within the maximum 400 USDC spending limit per month during the time-limit waiver campaign. No slippage and hidden exchange fees.
3. Other expenses: No annual fee for Bitget Credit Card; no inactivity fee for Bitget Wallet Card and $1 per month inactivity fee for Bitget Credit Card after 12 months of inactivity.

V. Snap Heads (Applicable Scenarios)

Bitget payment card supports Visa or MasterCard network, covering both online and offline scenarios, the specific scope of application is as follows:

(i) Bitget credit card (Visa network)

• Scenarios: Visa-enabled merchants worldwide (over 50 million), including offline POS transactions (dining, shopping, transportation, etc.), online consumption (e-commerce platforms, subscription services, etc.), and ATM cash withdrawals around the world; Apple Pay and Google Pay can be bundled.
• Spending Limit: According to the VIP level, the monthly limit can be up to USD 3 million, the maximum single transaction limit is unlimited (VIP level 4), ATM withdrawal limit is 2000 USDT per day and 10000 USDT per month.

(ii) Bitget Wallet Card (Visa/MasterCard network)

• Applicable Scenarios: Merchants of the corresponding card organizations are supported globally. Online scenarios include overseas e-commerce (Amazon, etc.), subscription services (ChatGPT, YouTube Premium, Netflix, etc.), and cross-border payments (US dollar settlements); offline scenarios include POS credit card swipes, mobile payments (Apple Pay, Google Pay, LINE Pay, WeChat Pay, and Alipay binding); ATM withdrawals are not supported for the time being (expected to open after the launch of the physical card). Offline scenarios include POS card swipes, mobile payments (Apple Pay, Google Pay, LINE Pay, WeChat Pay, Alipay); ATM withdrawals are not supported for the time being (expected to open up after the launch of physical cards).
• Spending limit: $12,000 per day, $150,000 per year.

VI. KYC requirements

Both types of cards are required to complete a rigorous KYC certification, as outlined below:

1. Bitget Credit Card::
   • Prerequisites: a Bitget exchange account with VIP 1 level (fulfillment of any of the following conditions: average daily assets ≥ 30,000 USDT for 30 days, cumulative trading volume ≥ 500,000 USDT for the last 30 days, and possession of BGBs ≥ 3,857 pcs).
   • Authentication materials: government-issued identification documents (ID card, passport, etc.), proof of address (bank statements, utility bills, etc.). (Mainland users only support passport + proof of address abroad to open an account)
   • Additional Requirements: Bind email address, Google Authenticator, and complete cell phone number binding.
2. Bitget Wallet Card::
   • Prerequisites: a Bitget Wallet account with ≥ 10 USDC held in the wallet (for activation, no deductions).
   • Authentication documents: ID card (preferred, no additional proof of address required) or passport + proof of address for the last 3 months (bank statement, utility bill, etc.); face recognition verification must be completed.
   • Additional Requirements: Fill in personal information (name, date of birth, place of birth, English translation of your residence address, occupation and income information, etc.), bind your e-mail address and complete the CAPTCHA verification.

VII. Whether you need a cell phone number to register

Yes, cell phone number registration is required. Whether registering for a Bitget Exchange account (for Bitget Credit Card) or a Bitget Wallet account (for Bitget Wallet Card), you will need to bind your cell phone number and complete the SMS verification code verification to ensure your account is secure and to receive notifications of subsequent transactions.

VIII. Top-up method

There is a slight difference between the two types of cards, but the core of the card is to use USDT/USDC as the recharge asset, the specific process is as follows:

(i) Bitget credit card

1. Log in to the Bitget Exchange App and transfer USDT from your Spot account to your OTC account (card's dedicated funding account);
2. Once the transfer is completed, the card is automatically activated and available for use, and the corresponding USDT is deducted from the OTC account and converted to fiat currency in real time when you make a purchase.

(ii) Bitget Wallet Card

1. Prepare assets: Prepare USDC through platforms that support USDC (Arbitrum chain first, Base chain partially supported) (e.g. Bitget exchange, Binance, etc.), it is recommended to top up ≥20 USDC (10 USDC for activation and the rest for on-chain Gas fees);
2. Wallet recharge: Login to Bitget Wallet App, enter the “Wallet” page, select “On-chain Payment”, filter the currency as USDC and the network as Arbitrum/Base, get the payment address, and transfer the external USDC to this address. Transfer external USDC to this address;
3. Card top-up: Go to the “Cards” section in the Bitget Wallet App, click on “Top-up”, transfer USDC from your wallet to your card account, which will be automatically converted to US dollars (or the specified settlement currency), and then activated. After activation, you can make purchases;
4. Note: Make sure that the recharge currency matches the network (e.g. USDC+Arbitrum chain) to avoid the loss of assets due to the wrong transfer; you can exchange USDC for Gas fee through the “Gas Station” function in the App, no need to buy ETH manually.

IX. Availability of physical cards

• Bitget Credit Card: Supports both virtual and physical cards, virtual cards can be opened and used instantly after successful application, and physical cards can be delivered by mail after application (processing time about 15-20 days).
• Bitget Wallet Card: Currently, only virtual card is supported, physical card is under development and is expected to be on the shelves in Q1, 2026. After the application for virtual card has been approved, you can instantly get the card number, expiration date and CVV code, and you can use it after binding it to the payment platform.

X. Characteristic highlights

1. Dual products for different usersThe Bitget Credit Card (for VIP users) and the Bitget Wallet Card (for regular Web3 users) were launched to meet the needs of high spending limits and daily convenient payment needs respectively, covering different levels of user groups.
2. Low threshold combined with high complianceBitget Wallet Card has no VIP level limitation, can be activated with only 10 USDC, is KYC friendly for mainland users (supports ID authentication); the card issuer includes the Swiss compliance agency FIAT24, and the Bitget exchange holds multi-country financial services licenses, which guarantees the security of the funds (cold wallet storage, double authentication, EMV 3D Secure, etc.).
3. Significant cost advantagesBitget Wallet Card: Both types of cards have no annual fee, and the opening fee can be reduced by invitation code; Bitget Wallet Card can realize “0 fee” consumption during the time-limited period of time-waiver activity, and the monthly fee-waiver limit is up to 600 USDT, and the foreign exchange adopts the real-time exchange rate of Google, with no hidden exchange rate difference.
4. Comprehensive scene coverageThe company supports the global mainstream payment platform binding (Apple Pay, Google Pay, WeChat Pay, Alipay, LINE Pay, PayPal, etc.), online subscription, cross-border shopping, offline consumption and other scenarios can be adapted to solve the cryptocurrency “spend it” core pain points.
5. Assets are safer when they are self-managedBitget Wallet Card adopts self-custody mode, users own the private key of the asset, avoiding the risk of exchange custodianship; it supports the function of fast freezing of the card, so that you can stop the loss in case of theft or abnormality instantly.
6. Welfare activitiesBitget Invitation Code: Bind the invitation code to enjoy the card opening fee reduction, the first swipe airdrop (1-10 USDT equivalent assets), recharge rewards (Bitget Handshake or BGB rebate) and other benefits to reduce the cost of use of the user.
7. Easy and efficient operationVirtual card application and review is fast (as fast as 20 minutes to complete), instant opening and use; support USDT/USDC unified consolidated deduction, no need to manually select the deduction assets; address translation, Gas fee exchange and other operations have a simplified process, novice-friendly.