Pionex Card · Visa & Mastercard · issued in 5 minutes

USDT in your wallet.
Pay with crypto everywhere you go

ZeroCard is issued by Pionex, an exchange licensed in the US (MSB) and Singapore. Top up with USDT, add the card to Apple Pay or Google Pay and spend in any country where Visa works. No bank account, no income checks, nothing to wait for.

200+
countries to spend in
1%
cashback on every purchase
5%
APR on your USDT balance
$0
issue and maintenance fees
Activated
virtual · usdt
• • • • 5157
Apple Pay · PaidCoffee shop, Istanbul · $4.20
%
Cashback earned+0.84 USDT on purchase
+5% APRon balance, paid daily
powered by pionex exchange · us msb licensed
Works everywhere you already pay
🍎Apple Pay
🤖Google Pay
🅿️PayPal
💳Visa
🔴Mastercard
✈️Trip.com
💬LINE Pay
💚WeChat Pay
🛍️Alipay
📱Samsung Pay
🍎Apple Pay
🤖Google Pay
🅿️PayPal
💳Visa
🔴Mastercard
✈️Trip.com
💬LINE Pay
💚WeChat Pay
🛍️Alipay
📱Samsung Pay
1%
Cashback on every purchase
5%
APR on balance (hourly)
5M+
Pionex users
$0
Annual & issuance fee
⚡ Why you need a card

Your crypto should work, not just sit there

Millions hold USDT on exchanges and can't spend it in daily life. ZeroCard changes that.

✕ Without ZeroCard
Crypto is frozen. USDT sits on the exchange - can't buy coffee, pay subscriptions or withdraw cash.
Withdrawal = losses. Conversion + bank transfer = 3 - 5% fees every time.
Days of waiting. Bank transfers take 1 - 3 days. Want money now - can't get it.
Balance doesn't grow. Money sits idle - no interest, no cashback.
Abroad - problems. Local card not accepted or charges huge FX fees.
✓ With ZeroCard
Spend instantly. Top up from Pionex in seconds and pay USDT everywhere Visa/Mastercard is accepted.
Cashback covers the fee. 1% cashback = 1% transaction fee. Result: effectively zero commission.
Instantly available. Add to Apple Pay with one tap and pay by phone in a minute.
5% APR on balance. USDT on the card earns interest every hour - while you sleep or relax.
Worldwide. 200+ countries, 100M+ merchants. Visa with 0% FX. Mastercard - 0% in most regions.
💰 Benefits

Everything you need from a crypto card

Built for those who want crypto to work in real life every day.

5%

APR on balance

USDT on the card earns 5% annually, compounded every hour. No traditional bank offers this on a current account.
  • Interest accrues every single hour
  • Beats a typical bank savings account
  • Like USDT staking, with no lock-up

Apple Pay & Google Pay

Add the card to Apple Pay with one tap right in the Pionex app. Contactless NFC payments at any terminal worldwide.
  • Add to Apple Pay or Google Pay in one tap
  • Contactless NFC at any terminal worldwide
  • Pay with your phone or smartwatch
5%

Trip.com cashback

Book flights and hotels via Trip.com and get 5% back in crypto. Travel more, spend less.
  • Book flights and hotels on Trip.com
  • 5% back in crypto on every booking
  • Stacks on top of the 1% base cashback

Bank-grade protection

Real-time transaction monitoring, instant card freeze right in the app, full KYC verification.
  • Real-time transaction monitoring
  • Freeze and unfreeze the card in-app
  • Full KYC verification and 2FA

Instant top-up

USDT transfer from main Pionex account to card takes seconds. Minimum - 1 USDT. No fees between accounts.
  • Move USDT from Pionex in seconds
  • Top up from just 1 USDT
  • Zero fees between your accounts

Zero fees

No annual fee. No issuance fee. No hidden charges. Apply free and use free forever.
  • No annual fee, now or later
  • Free issuance and free maintenance
  • No hidden or conversion charges
📋 How it works

Ready in a few simple steps

No paperwork. No queues. Everything from the Pionex app.

01
Registration
Create a Pionex account - via email or Google. Takes 2 minutes.
02
KYC Level 2
Passport photo + selfie. Verification usually takes 10 minutes.
03
Apply
App → Wallet → Card → Apply. Approval within 24 hours.
04
Fund account
Transfer USDT from main account to card. Minimum 1 USDT. Instant.
05
Spend & Earn
Add to Apple Pay or Google Pay. Cashback and interest start working immediately.
📊 Compare

ZeroCard vs. alternatives

Why ZeroCard wins on all key parameters vs regular banks and other crypto cards.

Parameter✦ ZeroCard (Pionex)Best valueRegular bank cardOther crypto cards
Cashback1% on everything, no limit0 - 1% (with conditions)0 - 2% (limited)
Interest on balance5% APR (hourly)0 - 0.5%No
Annual fee$0$50 - 500/yearUsually $0
Issuance fee$0Often paidSometimes
FX fee (Visa)0%1.5 - 3%0 - 2%
Apple Pay / Google PaySometimes
Instant crypto top-upSometimes
Travel cashback (Trip.com)5%SometimesRarely
PayPal, LINE Pay supportPartialRarely
yes, no strings attachedpartial or conditionalno, or a bad deal
9 / 9ZeroCard wins on all 9 parameters
Get ZeroCard for free →
👥 Who it's for

ZeroCard solves your specific pain

No matter what you do - the card works for you. Choose your category.

🪙
⚡ Primary audience

Crypto holders

You hold USDT, BTC, ETH - but in real life they're useless. ZeroCard lets you spend crypto as easily as dollars - in any store worldwide.
1%
cashback in USDT
$0
annual fee
200+
countries
🔒
Crypto frozen on exchange
Millions hold USDT on Pionex, Binance, Bybit - but can't spend a cent without withdrawal. Every withdrawal = 1 - 3 days waiting and 1 - 3% fees.
✦ ZeroCard: top up in seconds and pay everywhere Visa is accepted
💸
Conversion losses
Want to spend $200 from crypto? Conversion + withdrawal + bank transfer = you lose $8 - 15. Every time. This adds up to thousands per year.
✦ ZeroCard: 1% cashback covers the transaction fee - effectively zero commission
📉
Dead capital on exchange
USDT sits on the exchange earning nothing. No interest, no yield - just waiting until you spend it.
✦ ZeroCard: 5% APR on balance - money works every hour, even when you're not trading
⭐ Reviews

They already spend smarter

Real users about life with ZeroCard in their pocket.

★★★★★
"Finally I can spend crypto in real life. Added Apple Pay in 30 seconds and already paying by tap at the supermarket. Cashback comes automatically."
Alex M.
Alex M.
Trader, Dubai
★★★★★
"5% annual on card balance - better than any bank account. Money earns even when I don't spend it. Plus cashback on top."
Sergey K.
Sergey K.
DeFi investor, Thailand
★★★★★
"Zero issuance fee, zero annual. Essentially they pay me for using the card via cashback. Booked hotel on Trip.com - got 5% back."
Nikita L.
Nikita L.
Digital nomad, Bali
★★★★★
"Passed KYC in 8 minutes, application approved overnight. Next day already paying via Google Pay. Card works everywhere without issues."
Mark T.
Mark T.
Developer, Singapore
★★★★★
"Added to PayPal and now paying USDT at all online stores. Amazon, AliExpress, Adobe - everywhere without conversion and no exchange losses."
Pavel R.
Pavel R.
Entrepreneur, Cyprus
★★★★★
"It's just a regular card, only much more profitable. You forget it's crypto - just tap your phone and done."
Nina B.
Nina B.
Freelancer, Amsterdam
🎁 Referral program

Invite friends and earn up to 20% in rebates

Your ZeroCard runs on Pionex, so its referral program is yours too. Share your link, and when friends join and start trading, you get a slice of their fees. Up to 20%, paid in crypto, on top of your own cashback.

20%rebate on friends' fees
Get your card and start inviting →

The rate and referral tiers are set by Pionex and can change. Current terms on pionex.com.

Grab your link
Every Pionex account has a personal referral link. Copy it from the app in one tap.
Friends join
They sign up through your link and start using Pionex and the card.
You earn
Up to 20% of their trading fees lands in your account as a rebate, automatically.
❓ FAQ

Everything you wanted to ask

ZeroCard is a virtual payment card powered by Pionex that lets you pay for international services, subscriptions and online purchases worldwide. In simple terms, ZeroCard is the same card you get through Pionex - just presented in a simpler and more user-friendly way. The card works like a regular online payment card, but without typical banking limitations. Key features: • Works with international services • Payments go through without declines • Setup takes about 5 minutes • No monthly fees • Up to 1% cashback After clicking the button, you will be redirected to the official Pionex platform to complete registration and get your card.
USDT transfer from main Pionex account to card account is instant right in the app. Minimum - 1 USDT. No fees between Pionex accounts.
Every purchase returns 1% of the transaction amount in USDT to the card account within 24 hours. No limits, no expiry, no exceptions. Spent $500 - got $5 back.
5% annual is accrued on USDT balance in the card account and compounds every hour. Your money earns interest continuously - even while you sleep.
Currently only a virtual card is available. It can be added to Apple Pay, Google Pay, PayPal and other wallets for contactless payments. Physical card is planned for the future.
Both cards offer the same bonuses: 1% cashback, 5% APR, zero annual fee. Main difference: Visa charges 0% for currency conversion, Mastercard - up to 2% in some regions. For international spending, Visa is better.
Make sure the card account has funds - some wallets do a test charge for verification. If linking shows 'contact issuer', fill out the form at support.pionex.com - team will help within 3 business days.
Log into Pionex from another device → Card section → Freeze card. Freeze is instant. You can unfreeze yourself in the app - no need to contact support.
ZeroCard lets you pay worldwide directly from your USDT balance. When you tap the card or enter it online, Pionex instantly converts USDT into the merchant's local currency at the market rate. You can pay abroad in 200+ countries without opening a foreign bank account.
Anywhere Visa or Mastercard is accepted - online stores, subscriptions like Netflix and Spotify, ads platforms, travel bookings and POS terminals abroad. International payments and global transfers go through as regular card transactions, so no service can tell you are paying with crypto.
Your funds stay in your Pionex USDT account, not on the card itself. For safe payments abroad top up only what you plan to spend, enable 2FA, use single-use limits and freeze the card in one tap from the app if something looks off. This makes pay worldwide safer than a classic debit card linked to your main balance.
Free · Fast · Profitable

Start spending crypto right now

Join millions of Pionex users who already earn cashback, earn interest and spend USDT like a regular card.

KYC Level 2 required · Minimum 100 USDT · Virtual card · Visa & Mastercard