Ether.fi Cash Card

The free plan earns the same cashback rate as the paid plans

Malaysia: available

Apply for Ether.fi Cash Card

Remember to enter the invite code 99bc0818

Features

💰 Borrow Mode: spend without selling
📈 Annual yield in the Liquid vault (variable)
🤖 Extra AI/streaming cashback from Luxe
🔐 DeFi wallet
🏷️ Credit card
💳 Physical card

Cashback & fees

How to get it: Free, no minimum

Cashback: 3%; ETHFI · Claimable after 7 days · First US$2,000 a month
FX fee: 1.5%; FX about 1% + membership markup up to 0.5%
Annual fee: US$0; Physical card: US$60

Other fees

ATM withdrawal: Fee not published; up to US$1,000 each, at most 5 in 24 hours (US$5,000 total)
Top-up: Free (on-chain fees only)
Extra virtual card: US$10
EUR purchases: FX 0% (in testing); cashback counted separately: 3% on the first US$800 of the month, 1% up to US$1,500, then 0.1%
Issuer: Ether.fi / Third National

See how much you could earn

Drag to see your cashback each month! FX fees are not deducted here.

Monthly spendUS$800

US$200US$5,000

—/ month

About — cashback a year

Plan: Core

Works with

Apple Pay Supported
Google Pay Supported
ChatGPT subscription Supported
Claude subscription Supported

Choose the AI category in the app first; the AI bonus comes on top of the everyday cashback. App store payments don’t count.

Spend it in these places

Malaysia
Thailand
Indonesia
Singapore
Japan
China (Mainland)
Korea

How to apply

Use the button below to sign up with Ether.fi Cash Card
Enter invite code 99bc0818 when you sign up or apply
Pass the issuer's identity check and the card is ready to use

Apply for Ether.fi Cash Card

Invite code 99bc0818

Know before you apply

Cashback is paid in ETHFI and can be claimed only after 7 days; its price moves in the meantime.
Borrow Mode is a loan that charges interest, and the collateral can be liquidated. 🔗
Some accounts must deposit US$10 worth of crypto before identity verification. 🔗

Checked: 2026-10-02 · Compiled and cross-checked with the help of Claude, ChatGPT, Grok and Gemini · Unpublished details follow the Taiwan programme · Spotted a mistake? Let us know

"Available" still means passing the issuer's identity check. Rates, yields and promotions follow the official announcements and can change at any time.

Disclaimer and disclosures: this page may contain referral links, and this site may earn a commission. For information only, not investment advice.

This page is for general information and education only. It is not investment, legal, tax, or professional advice. Markets and regulations may change at any time, and the information reflects conditions at the time of writing.

Penchan is not a registered securities investment adviser. Any securities, digital assets, or financial products mentioned are covered for informational purposes only and are not buy or sell recommendations. Make your own decisions and accept your own risk.

This page may contain partner or referral links. If you register for or use a service through these links, this site may receive a commission, paid by the provider. Actual fees and offers are subject to the provider's own terms.

Check the exchange's regulatory status in Taiwan (for example, whether it has completed anti-money-laundering registration; Taiwan's Virtual Asset Service Act was promulgated in July 2026, and as of September 2026 its licensing regime is not yet in force). Virtual assets are not covered by Taiwan's deposit insurance. A platform may fail, freeze assets, or be hacked, and remedies may be limited. Assess the risks carefully.

See this site's Legal Notice and Disclosures and Privacy Policy.