Binance Card

Spend the BTC and USDC in your Binance account directly, no swapping first

New Zealand: available

Binance Card card art
Apply for Binance Card (opens in a new window)

Remember to enter the invite code PENCHAN

Features

  • 🪪 Uses your Binance account verification
  • ⚡ Card ready within 15 minutes
  • 💰 Spend Simple Earn Flexible assets directly
  • 🏦 Exchange

Cashback & fees

Cashback
1.5%
USDC
FX fee
3.1%
Annual fee
US$0
Other fees
USD purchases (overseas merchants)
0% FX fee (crypto conversion 0.1⁠–⁠0.9% still applies)
Issuer
Immersve Limited

See how much you could earn

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

US$50
US$0US$5,000

—/ month

About — cashback a year

Works with

  • Apple Pay Not yet verified
  • Google Pay Supported
  • ChatGPT subscription Users report it works
  • Claude subscription Users report it works

The official conversion fee is 0.1–0.9%.

Spend it in these places

  • New Zealand

How to apply

  1. Use the button below to create a Binance account
  2. Enter invite code PENCHAN when you sign up or apply
  3. Complete Binance identity verification (KYC), then apply for the card in the app
Apply for Binance Card (opens in a new window)

Invite code PENCHAN

Know before you apply

  • On refunds, fees already paid are not returned, and cashback already paid is taken back. 🔗

Notes

Checked: 2026-10-02 · Compiled and cross-checked with the help of Claude, ChatGPT, Grok and Gemini · Unpublished details follow the Taiwan programme · Some AI subscription statuses come from user reports · Spotted a mistake?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.