⚠️ Card application update
Flash Card is permanently closed to new applications; issued Flash Cards were converted to Cloud Cards and balances moved to Total Assets. See Flash Card permanently retired on 30 September 2026.
Choosing the Right MPChat Card for You MPChat currently offers a variety of cards optimized for different spending scenarios. You can choose based on your primary usage region and purpose:
Flash Card was permanently retired on 30 September 2026. The virtual card on sale is Cloud Card; the in-app count is the source of truth. The Boundless Card (physical) is counted separately and does not consume the virtual quota. See Is there a limit on the number of cards I can open?.
Cloud Card:
Features: The top choice for global online subscriptions, specifically designed for local currency spending in Asia.
Use Cases: Supports linking with Alipay, WeChat Pay, Google Pay, and Apple Pay; ideal for subscription services (e.g., Amazon, Claude AI, Netflix, Spotify, PayPal, YouTube).
Type/Price: Virtual Card / 10 USDT
Issuing country: Singapore
Billing currency: USD
Open limit: Up to 5 cards
Limits: Virtual card, no ATM access; see Are there transaction limits for the card? for spending limits.
Flash Card (permanently retired on 30 September 2026):
Highlights: VISA virtual card (BIN 40433705) that supports Apple Pay (all three cards do).
Use cases: Supports Apple Pay; online subscriptions and cross-border spending.
Type / fee: Virtual card / 10 USDT.
Issuing country: Singapore
Billing currency: USD
Open limit: 1 only (issuing-bank restriction; cannot be lifted from within the app)
Boundless Card :
Features: Designed for global business professionals and high-frequency cross-border transactions, delivering a fast, high-limit, and borderless global payment experience.
Applicable Scenarios:
Offline: Supports card payments at global offline physical merchants (e.g., overseas dining, supermarket shopping, flight and hotel bookings) and ATM cash withdrawals in specific regions.
Online: Supports linking to various mainstream payment methods, compatible with most overseas e-commerce purchases and online subscription service charges.
(⚠️ Regional Restrictions: Card purchases work normally in mainland China; only ATM cash withdrawals are restricted (unavailable). ATM cash withdrawals are prohibited in Singapore; other transaction types are unaffected.)
ATM withdrawal limits: 1,500 USD per transaction/day, 5 transactions per day, 15,000 USD per month — see Are there transaction limits for the card?.
Type: Physical Card
Issuing country: Singapore
Billing currency: USD
Open limit: Does not count toward the virtual-card quota; counted separately