Country guide
Best Crypto Cards in India (2026)
Looking for a crypto card in India? We track 118 cards worldwide, and 97 of them accept residents in India. Below is our ranked top 5 โ each with the scores, fees and trade-offs behind its position.
Data last verified: August 19, 2026๐ Top 5 in India
scored 0โ10 ยท how we score- Our top pick in India1gold1gold
Tuyo Visa Card
by Tuyo ยท Visa
Why #1: Self-custodial with up to 11% APY on deposits
Best fee score9.4editor score- $0 monthly fee
- 0% FX fee
- Apple Pay โ
View card โ9.4editor scoreWhy it's ranked #1
Tuyo Visa Card holds the #1 spot in India with an editor score of 9.4/10. Its strongest dimension is fees (9.5/10) โ one of the cheapest fee structures among the 97 cards available in India. That keeps it ahead of Cardano Emerald Visa Card (9.4 vs 8.4). Community reviewers rate it 7.5/10 across 22 cited sources.
Tuyo Visa Card combines self-custody with up to 11% APY on deposits, letting your USDC earn yield until the moment you spend. The zero-fee structure and multi-chain deposits make it competitive for yield-seeking spenders.
Pros
- +Self-custodial with up to 11% APY on deposits
- +No issuance fee, monthly fee, or USD transaction fees
- +Deposit from Ethereum, Base, Arbitrum, Optimism, Polygon
- +Free transfers between Tuyo users
Cons
- โUSDC only - limited cryptocurrency variety
- โNo ATM withdrawals or PIN support
- โVirtual card only - physical pending
- โKYC required for card access
- Monthly Fee
- Free
- Card Issuance Fee
- Free
- FX Fee
- Free
- Cashback
- N/A
- KYC requirement
- ID verification
- Card type
- Virtual Card + Physical Card
- Apple Pay / Google Pay
- Apple Pay ยท Google Pay
- INR top-up
- No
- 2silver2silver
Cardano Emerald Visa Card
by Cardano Card (EMURGO) ยท Visa
Why #2: Up to 8% crypto cashback on purchases
8.4editor score- 2% cashback
- $0 monthly fee
- 0.5% FX fee
- Apple Pay โ
View card โ8.4editor scoreWhy it's ranked #2
Cardano Emerald Visa Card holds the #2 spot in India with an editor score of 8.4/10. Its strongest dimension is fees (8.8/10) โ one of the cheapest fee structures among the 97 cards available in India. It shares our top quality band with Kolo Card (8.4 and 8.5) โ the order between them reflects local fit in India. Community reviewers rate it 5.8/10 across 48 cited sources.
Cardano Emerald Visa Card by EMURGO brings ADA to everyday spending with up to 8% crypto cashback. The Wirex partnership enables multi-chain support for 685+ cryptocurrencies, making it ideal for Cardano ecosystem believers who want real utility for their ADA.
Pros
- +Up to 8% crypto cashback on purchases
- +Supports 685+ cryptocurrencies including ADA, BTC, ETH, SOL
- +Stake ADA and earn rewards while holding
- +Available in plastic, metal, and virtual formats
Cons
- โRequires KYC verification for card issuance
- โNon-custodial version not available until 2026
- โAvailability varies by region
- โCashback rates may require higher tier staking
- Monthly Fee
- Free
- Card Issuance Fee
- Free
- FX Fee
- 0.5%
- Cashback
- 2% (ADA)
- KYC requirement
- ID verification
- Card type
- Virtual Card + Physical Card
- Apple Pay / Google Pay
- Apple Pay ยท Google Pay
- INR top-up
- No
- 3bronze3bronze
Kolo Card
by Kolo ยท Visa
Why #3: Industry-lowest 0.32% crypto-to-fiat conversion
8.5editor score- 2% cashback
- $0 monthly fee
- Apple Pay โ
View card โ8.5editor scoreWhy it's ranked #3
Kolo Card holds the #3 spot in India with an editor score of 8.5/10. Its strongest dimension is fees (9.0/10) โ one of the cheapest fee structures among the 97 cards available in India. It shares our top quality band with Ready Metal Card (8.5 and 8.5) โ the order between them reflects local fit in India. Community reviewers rate it 7.7/10 across 28 cited sources.
Kolo Card stands out with direct memecoin spending (PEPE, etc.) and ultra-low 0.32% conversion fees - the lowest in the industry. The 50,000 USD daily limit makes it suitable for both retail and business use.
Pros
- +Industry-lowest 0.32% crypto-to-fiat conversion
- +Spend memecoins (PEPE, etc.) directly via Memepay
- +50,000 USD daily spend limit - above average
- +No foreign transaction fees for global use
Cons
- โVirtual card only - no ATM withdrawals possible
- โCannot use for car rentals or hotel deposits
- โ5% cashback is promotional - standard rates lower
- โFee and limit details not fully published
- Monthly Fee
- Free
- Card Issuance Fee
- Free
- FX Fee
- N/A
- Cashback
- 2% (BTC)
- KYC requirement
- ID verification
- Card type
- Virtual Card + Physical Card
- Apple Pay / Google Pay
- Apple Pay ยท Google Pay
- INR top-up
- No
- 44
Ready Metal Card
by Ready ยท Mastercard
Why #4: 10% cashback first 30 days, then 3% ongoing (Metal)
8.5editor score- 3% cashback
- $15/mo
- 0% FX fee
View card โ8.5editor scoreWhy it's ranked #4
Ready Metal Card holds the #4 spot in India with an editor score of 8.5/10. Its strongest dimension is privacy (8.8/10), with KYC level 3 out of 4. That keeps it ahead of Exactly Visa Card (8.5 vs 8.4). Community reviewers rate it 7.0/10 across 25 cited sources.
Ready Metal Card (formerly Argent) combines premium 16g metal design with true self-custody and up to 10% STRK cashback. The integrated DeFi features like borrowing at 1.19% APR make it one of the most sophisticated crypto cards available.
Pros
- +10% cashback first 30 days, then 3% ongoing (Metal)
- +True self-custody via Starknet smart wallet
- +Borrow USDC at rates as low as 1.19% APR
- +No FX fees, conversion fees, or top-up fees
Cons
- โ120 USDC annual fee for Metal card
- โUSDC-only spending requires manual conversion
- โNot available in US
- โ$30,000 monthly spending limit
- Monthly Fee
- $15
- Card Issuance Fee
- Free
- FX Fee
- Free
- Cashback
- 3% (STRK)
- KYC requirement
- ID verification
- Card type
- Physical Card
- Apple Pay / Google Pay
- Google Pay
- INR top-up
- No
- 55
Exactly Visa Card
by Exactly ยท Visa
Why #5: Fixed-rate loans using crypto as collateral
8.4editor score- 1% cashback
- $0 monthly fee
- 0% FX fee
- Apple Pay โ
View card โ8.4editor scoreWhy it's ranked #5
Exactly Visa Card holds the #5 spot in India with an editor score of 8.4/10. Its strongest dimension is fees (9.2/10) โ one of the cheapest fee structures among the 97 cards available in India. It completes our top 5 in India. Community reviewers rate it 5.7/10 across 24 cited sources.
Exactly Visa Card (Exa) offers fixed-rate crypto loans through DeFi smart contracts, letting you spend without selling your assets. The Visa Signature perks and premium benefits make it attractive for frequent travelers.
Pros
- +Fixed-rate loans using crypto as collateral
- +Visa Signature benefits including airport lounges
- +Non-custodial smart contracts for all transactions
- +Crypto assets can earn yield while used as collateral
Cons
- โRequires understanding of DeFi collateral mechanics
- โInterest rates vary based on protocol utilization
- โKYC required for card issuance
- โNewer protocol with limited track record since 2022
- Monthly Fee
- Free
- Card Issuance Fee
- Free
- FX Fee
- Free
- Cashback
- 1%
- KYC requirement
- ID verification
- Card type
- Virtual Card + Physical Card
- Apple Pay / Google Pay
- Apple Pay ยท Google Pay
- INR top-up
- No
Every card here carries the same editor score shown on its card page (fees, privacy, trust). Cards in the top quality band are all recommendable โ their order is decided by local fit (INR support, regional availability), not resold positions. Nothing pay-to-rank. how we score
The top 5 isn't everything โ 97 cards in total are available in India.
Compare all 97 cards โHow we rank these cards
Every card on this page is scored with the same editorial system used across the whole site: fees, privacy and trust are scored separately, then combined into a single 0โ10 editor score. Rankings are recomputed from the data whenever it changes โ never hand-picked per page, and no issuer can pay for a position. Read the full scoring methodology.
Frequently Asked Questions
What is the best crypto card in India?
Based on our country-fit ranking, Tuyo Visa Card is currently our top pick in India, with an editor score of 9.4/10. Rankings update automatically as fees and features change.
Can I get a crypto card in India?
Yes. 97 of the crypto cards we track accept residents in India. Most issue a virtual card within minutes of signing up, and many also ship a physical card.
Can I top up these cards with INR?
1 of the cards available in India support INR top-ups directly. Cards without direct INR support usually accept stablecoin or crypto deposits instead.
Why are some crypto cards not available in India?
Card issuers restrict countries based on licensing, local regulation and sanctions rules. We track each card's excluded-country list, so this page only shows cards that actually accept residents in India.