The BingX Card is a Visa debit card from the BingX exchange. Purchases are deducted directly from the USDT in your Fund Account. The virtual card is free to issue and earns 2% to 3% back, with an additional 20% reward on subscription purchases. To compare it with other cards, see the U card comparison. Fees and risks are covered below in What to know before applying.
What is the BingX Card? Company background
Founded in 2018, BingX offers products including futures, spot and copy trading, as well as traditional financial products. In December 2025, the company announced it had surpassed 40 million users. It has been a principal partner of Chelsea FC since 2024 and became a partner of the Ferrari F1 team in 2026. On 13 October 2026, Austria’s Financial Market Authority (FMA) approved a MiCAR licence for its EU entity, MEGE zweite GmbH; EU services are still being prepared.
The BingX Card was announced on 26 June 2026. It is issued by stablecoin infrastructure company Wirex and runs on the Visa network. From 11 September 2026, it became available to all eligible users, with no VIP tier or partner invitation required.
The card is a debit card with no credit, overdraft or borrowing facility, and it is not a bank account. The account is custodial: purchases draw USDT from the BingX Fund Account. Balances held in open orders, staking, Wealth or Margin cannot be spent with the card. Transactions are settled in US dollars.
BingX Card rewards: 2% to 3% for virtual, 3% to 5% for metal
Reward tiers are based on monthly card spending, regardless of VIP tier. Every user starts at Tier 1 in their first month. Both the virtual and metal cards have three tiers, and rewards are paid in USDT.
| Item | Virtual Tier 1 | Virtual Tier 2 | Virtual Tier 3 | Metal Tier 1 (selected users only) | Metal Tier 2 (selected users only) | Metal Tier 3 (selected users only) |
|---|---|---|---|---|---|---|
| Monthly spending threshold | Below $200 | $200 to $1,000 | $1,000 or more | Below $500 | $500 to $2,000 | $2,000 or more |
| Reward rate | 2% | 2.5% | 3% | 3% | 4% | 5% |
| Monthly reward cap | — | — | $100 | — | — | $150 |
| Card issuance fee | Free | Free | Free | 180 USDT, free for VIPs | 180 USDT, free for VIPs | 180 USDT, free for VIPs |
| ATM withdrawals | — | — | — | First $200 per month free, then 2% | First $200 per month free, then 2% | First $200 per month free, then 2% |
The metal card is available to selected users only; not everyone can apply. A transaction must earn at least $0.01 in rewards to qualify. Starting on the third calendar day after a purchase, you can manually withdraw rewards to your Fund Account; the minimum withdrawal is 2 USDT. Refunds incur no additional fee, but rewards earned on the refunded purchase are clawed back. If your Fund Account balance is too low to cover the clawback, reward withdrawals are frozen.
Subscriptions to services such as ChatGPT, Claude, X, Netflix, Spotify, Telegram and TradingView earn 20% back. This shares the monthly reward cap for your tier and applies when you pay the service provider directly with the card.
For a full comparison, see the BingX Card review and comparison.
BingX Card fees
- Card issuance: The virtual card is free and issued immediately after application, with no separate activation needed. The metal card costs 180 USDT; VIPs get it free, and shipping is free. Delivery takes about 15 to 30 business days, and you must activate it in the app after it arrives.
- Annual fee: None. There is also no monthly, inactivity or card cancellation fee.
- Per transaction: A 1.5% transaction fee applies, including to purchases in US dollars. Non-USD purchases may also incur additional currency conversion costs.
- ATMs: Only the metal card supports withdrawals. The first $200 per month is free, then each withdrawal costs 2%. The daily limit is $500 across up to 5 withdrawals, and the monthly limit is $5,000.
- Spending limits: $10,000 per transaction and per day; $30,000 per month.
- Funding: There is no separate card top-up. Each purchase deducts USDT directly from your Fund Account.
See BingX Card fees in detail for more information.
What to know before applying
- BingX is a custodial service. On 20 September 2024, it suffered a hot wallet hack; PeckShield estimated the loss at about $43 million. BingX suspended withdrawals and pledged compensation.
- This card is not covered by any compensation scheme. BingX can offset amounts you owe against any BingX balance.
- Each purchase has a 1.5% transaction fee. Non-USD purchases may also incur additional currency conversion costs, and rewards have monthly caps.
- In March 2026, BingX’s previous card, issued by Paytend Europe UAB, was discontinued after the Bank of Lithuania revoked its licence. That card was unrelated to the current Visa card issued by Wirex.
How to apply for the BingX Card (where to enter the invite code)
This invite code is for a BingX exchange account and is applied when you create an account through the referral link. The card itself has no card-specific referral reward.
- Create a BingX account through the referral link using invite code
LEEKQG. - Prepare USDT: it must be in your Fund Account. Transfer any balance in your Spot or Futures account there first.
- Open the BingX Card application page and complete the eligibility and identity checks. You must be at least 18 and live in an eligible country or region.
- Choose a virtual or metal card, review the terms and fees, and submit your application. The virtual card is issued immediately.
- On the card page, select Add to Wallet to add the card to Apple Pay or Google Pay. Both virtual and metal cards are supported.
Merchants in some countries or industries may decline transactions, and BingX may also restrict certain merchant categories.
Using the BingX Card in Taiwan
Taiwan is on the official list of supported Asia-Pacific locations, so residents there can apply. Use Apple Pay or Google Pay for everyday payments. The metal card is available to selected users only, so a physical card is not available to everyone.
You can also see the Wirex One Card application guide, issued by the same provider, or the MEXC Card application guide from another exchange.
