Future Of Payments

Spend crypto
like real money

Top up with USDT or USDC and spend anywhere Mastercard is accepted — instantly, globally, with zero complexity. Your stablecoins, in your pocket.

Order your card See how it works
180+
Countries
1.5%
FX fee
50M+
Merchants
hbd.card
5591 •••• •••• 7823
SATOSHI NAKAMOTO
Expires
••/••
USDT
Mastercard
USDC
Apple Pay
Google Pay
hbd.pay
USDT
Mastercard
USDC
Apple Pay
Google Pay
hbd.pay
USDT
Mastercard
USDC
Apple Pay
Google Pay
hbd.pay
Features

Everything your
crypto card needs

⚡
Instant conversion
Your crypto converts to fiat in milliseconds at checkout. No delays, no failed transactions.
🌍
Global acceptance
Works everywhere Visa and Mastercard are accepted — 180+ countries, online and offline.
💸
1.5% FX fee
A flat 1.5% foreign exchange fee on all non-USD transactions — no hidden markups, full transparency.
💎
USDT & USDC only
Top up with the two most liquid stablecoins. No volatility, no surprises — always pegged to $1.
📊
Real-time balance
See your stablecoin balance update instantly after every top-up and transaction. Full transparency.
🎯
Instant top-ups
Send USDT or USDC to your card address and see the balance update the moment your transaction confirms on-chain.
How it works

From wallet to checkout
in 4 steps

01
Sign up
Create your HBDcard account in minutes. KYC in under 2 minutes.
02
Link your wallet
Send USDT or USDC directly to your card. No wallet connection needed.
03
Get your card
Virtual card instantly. Physical card delivered in 5–7 business days.
04
Start spending
Tap, swipe, or enter your card details. Crypto converts automatically.
🛡️
PCI DSS Level 1
SOC 2 Type II
ISO 27001
AML / KYC
Security

Bank-grade security for your crypto

🔐
End-to-end encryption Every transaction is encrypted with AES-256. Your data is never stored in plain text.
👁️
Real-time fraud monitoring AI-powered fraud detection analyzes every transaction in real time, blocking suspicious activity instantly.
🔑
Two-factor authentication Secure your account with biometrics, hardware keys, or TOTP — your choice.
Pricing

Simple,
transparent fees

Fee Type 🖥 Virtual Card 💳 Physical Card
Monthly Card Fee$4.95$4.95
Monthly Account Fee$1.00$1.00
POS Purchases$0.09$0.09
POS Decline$0.95$0.95
ATM International Withdrawal$4.00$4.00
ATM Balance InquiryN/A$0.50
ATM DeclineN/A$0.50
PIN ResetN/A$0.12
FX Fee1.50%1.50%
Account Redemption Fee$15.00$15.00
Chargeback Fee$50.00$50.00
Dispute Fee$50.00$50.00

All fees are in USD. Fees are subject to change with 30 days notice.

FAQ

Common questions

Send USDT or USDC to your personal deposit address shown in the app or web dashboard. Funds are credited instantly after on-chain confirmation. There are no additional top-up fees.
We currently support USDT and USDC on major networks including Ethereum (ERC-20) and Tron (TRC-20). Always verify the network before sending to avoid loss of funds.
Your HBDcard works at any merchant that accepts Mastercard — that's over 50 million locations in 180+ countries. Use it online, in-store, and at ATMs worldwide. The virtual card is also compatible with Apple Pay and Google Pay.
Identity verification typically completes in under 2 minutes. You'll need a valid government-issued ID and a selfie. In rare cases, additional review may take up to 24 hours.
The virtual card is issued instantly and works for all online payments and digital wallets like Apple Pay and Google Pay. The physical Mastercard is delivered in 5–7 business days and also enables ATM withdrawals and in-store tap or chip payments.
HBDcard ••••
HBDcard 4591
Mobile App

Your card, always in your pocket

Top up with USDT or USDC, track your spending in real time, freeze or unfreeze your card, and manage everything — from the cleanest stablecoin finance app out there.

Download on the App Store Get it on Google Play

Ready to spend
your crypto?

Join over 20,000 people who already use HBDcard every day.

Get your card