Q1. What card benefits does BingX Card offer?
 
Virtual Card
  • No application fee, no annual fee for life.
  • 2%-3% cashback on spending (up to $100 per month), cashback credited instantly.
  • Get exclusive 20% cashback on subscriptions.
  • Supports Apple Pay & Google Pay.

    Tier

    		 Monthly Spending Amount Cashback Ratio Monthly Cashback Limit

    Tier 1

    		 < $200 2.00% No cap

    Tier 2

    		 $200 - $1,000 2.50% No cap

    Tier 3

    		 ≥ $1,000 3.00% $100

Metal Card
  • VIP members get the card application fee waived, and non-VIP members must pay a $180 card application fee.
  • No annual fee for life, no shipping fee.
  • 3%-5% cashback on spending (up to $150 per month).
  • Get exclusive 20% cashback on subscriptions.
  • The first $200 in ATM withdrawals each month is fee-free.
  • Supports Apple Pay & Google Pay.

Tier Monthly Spending Amount Cashback Ratio Monthly Cashback Limit
Tier 1 < $500 3.00% No cap
Tier 2 $500 - $2,000 4.00% No cap
Tier 3 ≥ $2,000 5.00% $150
 
Q2. What are the cashback rules for BingX Card?
 
Cashback Method
  • Get instant cashback in USDT for every purchase.
  • Once your purchase is completed, the cashback amount will immediately appear on the Cashback Rewards page. You can withdraw it to your Fund Account on T+3, with T counted in calendar days.
Tier Rules
  • The tier is related to the monthly spending and is not related to the VIP level.
  • The tier for the following month is set automatically based on the accumulated spending for the previous month. The more you spend, the higher your cashback ratio.
  • Tiers reset at 09:00 (UTC+8) on the 1st of the following month. The new tier takes effect immediately for all spending and remains valid until 09:00 (UTC+8) on the 1st of the month after the following month.
  • New users start at Tier 1 in their first month. Starting the following month, their tier is automatically set based on the previous month's spending.
Withdrawal Rules
  • Minimum cashback threshold: A single cashback amount of $0.01 or more can be accumulated.
  • Minimum cashback withdrawal amount: 2 USDT
  • Cashback amounts can only be withdrawn manually to your Fund Account.
Refund Policy
  • If a transaction is refunded, the corresponding cashback will be deducted from your Fund Account. If your balance is insufficient, cashback withdrawals will be temporarily frozen.

 
Q3. What are the rules for subscription cashback?
 
Applicable Scope
  • Applies to subscription purchases from merchants under MCC 5817, 5734, 4899, and 5815, covering digital subscription services such as AI tools, productivity software, and social platforms. Note that the MCC may vary by payment channel, the actual transaction category applies.
Cashback Rules
  • You can subscribe to multiple services at the same time, and each subscription purchase earns 20% cashback.
  • The cashback ratio is 20%. Subscription cashback shares the same monthly cashback cap as daily spending cashback.
Credit Method
  • Same as daily spending cashback: Visible immediately after your purchase, withdrawable on T+3.
  • Credited in USDT to your Fund Account.

 
Q4. In what form is cashback paid out?
Cashback is credited in USDT to your Fund Account. The minimum cashback threshold is a single cashback amount of $0.01 or more, and the minimum cashback withdrawal amount is 2 USDT.

 
Q5. How is cashback handled for refunds or canceled transactions?
  • Refunds, cancellations, chargebacks, and other invalid spending amounts do not count toward accumulated spending or cashback calculations.
  • If a refund reduces the actual valid spending amount for a transaction, the cashback already paid out may be reclaimed accordingly.
  • Transaction refunds do not incur any additional fees (no extra charge for refunds).
Q6. What fees apply when using BingX Card?

Fee item Description
Transaction fee 1.50%
Metal card ATM withdrawal fee Free for the first $200 each month, then 2% per withdrawal thereafter
Application fee Virtual card application fee waived.
Physical card application fee waived for VIP users. Non-VIP users are charged a $180 application fee.
Metal card shipping fee None
Annual fee / monthly fee / card cancellation fee None
Dormancy / inactivity fee None
 
Q7. What is the spending limit for BingX Card?
  • Per transaction / per day: $10,000
  • Per month: $30,000
 
Q8. What is the ATM withdrawal limit for BingX Card?
  • Per day: $500 (up to 5 times)
  • Per month: $5,000
 
Q9. Is there a fee to apply for BingX Card?
  • Virtual card application fee: Free
  • Metal card application fee: Free for VIP users. Non-VIP users are charged a $180 application fee.
  • Metal card shipping fee: Free
Q10. Does BingX Card have an annual fee or monthly fee?
No. BingX Card has no annual fee, no monthly fee, no dormancy/inactivity fee, no card cancellation fee, and no hidden fees of any kind.