What are the benefits of the Crypto.com card tiers

The Crypto.com card offers tiered rewards based on CRO staking, with higher tiers providing up to 5% cashback, unlimited ATM withdrawals, airport lounge access, and concierge services.

Aug 12, 2025 at 02:07 pm

Understanding the Crypto.com Card Program Structure

The Crypto.com card operates on a tiered rewards system that offers users increasing benefits based on the amount of CRO (Crypto.com Coin) they lock in the app. Each tier corresponds to a different level of CRO staking, and higher tiers unlock enhanced features such as higher cashback rates, airport lounge access, and concierge services. The structure is designed to incentivize long-term commitment to the platform by rewarding users who stake more CRO. The tiers include Ruby Steel, Jade Green, Royal Indigo, Frosted Rose, and Obsidian. Each tier has specific staking requirements and corresponding perks that scale with user investment.

Enhanced Cashback Rates Across Tiers

One of the primary benefits of advancing through the Crypto.com card tiers is the increase in crypto cashback on all purchases. At the base Ruby Steel tier, users receive 1% cashback in CRO, paid weekly. As users move up, the cashback percentage increases significantly. For example, the Jade Green tier offers 2%, Royal Indigo delivers 3%, and the top-tier Obsidian provides up to 5% cashback. This cashback is automatically credited to the user’s Crypto.com wallet every Monday for the previous week’s transactions. The cashback is always paid in CRO, reinforcing the ecosystem’s native token usage. Users must maintain their staked CRO balance to continue receiving the associated cashback rate.

Free ATM Withdrawals and Transaction Limits

Higher Crypto.com card tiers offer expanded access to free ATM withdrawals globally. The Ruby Steel card allows $200 in free monthly withdrawals, while Jade Green increases this to $400. The Royal Indigo tier provides $800, and Frosted Rose offers $1,000. The Obsidian tier removes the cap entirely, granting unlimited free ATM withdrawals. These withdrawals can be made at any ATM that accepts Mastercard. It’s important to note that exceeding the free limit at lower tiers results in a $0.40 fee per transaction beyond the allowance. Users must ensure their card is activated and linked correctly in the app to avoid declined transactions.

Airport Lounge Access and Travel Perks

Travel benefits are a significant advantage of the upper Crypto.com card tiers. Starting at the Royal Indigo level, cardholders gain access to Priority Pass lounges, allowing two free visits per month. This increases to four visits at the Frosted Rose tier. The Obsidian tier offers unlimited lounge access, making it ideal for frequent travelers. To use this feature, users must first activate lounge access within the Crypto.com app and present their digital or physical card at the entrance. The service covers over 1,300 lounges worldwide. Some lounges may require presenting a boarding pass for the same day, so users should verify entry requirements in advance.

Concierge Services and Premium Support

The Frosted Rose and Obsidian tiers include access to a dedicated concierge service. This feature allows users to request assistance with travel bookings, restaurant reservations, event tickets, and personalized gift sourcing. The concierge team operates 24/7 and can be contacted via the in-app messaging system. To initiate a request, users navigate to the “Concierge” tab in the app, describe their needs, and receive a response within a few hours. There is no additional charge for this service, but requests must comply with local laws and platform policies. The concierge does not handle financial transactions on behalf of users but can provide recommendations and booking links.

Insurance and Security Features by Tier

Higher-tier Crypto.com cards come with enhanced insurance coverage. The Royal Indigo and above include purchase protection and extended warranty on eligible items bought with the card. For example, if a purchased item is damaged or stolen within 90 days, users may be eligible for a refund up to a specified amount. The Obsidian tier adds loss/damage protection for rental cars, covering up to $75,000 in damages without requiring additional insurance from the rental company. To file a claim, users must submit a report through the app within 45 days, including proof of purchase and police reports if applicable. All cards are protected by Mastercard Zero Liability, ensuring users are not held responsible for unauthorized transactions.

Physical Card Design and Delivery Benefits

The Crypto.com card tiers also differ in the quality and delivery of the physical card. Ruby Steel and Jade Green cards are made of stainless steel and delivered within 7–10 business days. The Royal Indigo card is crafted from black titanium, while Frosted Rose features a rose gold finish. The Obsidian card is made of 24-karat gold-plated stainless steel, symbolizing the highest status. Expedited shipping is included for Frosted Rose and Obsidian tiers, reducing delivery time to 3–5 business days. Users must ensure their shipping address is verified in the app before ordering. Lost cards can be replaced free of charge, but a fee may apply for expedited replacement delivery.

Frequently Asked Questions

Can I upgrade my Crypto.com card tier mid-month?

Yes, you can upgrade your tier at any time by increasing your CRO staking amount in the app. The new benefits, including cashback rate and ATM limits, take effect immediately after staking confirmation. However, the weekly cashback cycle resets on Mondays, so partial-week purchases will be calculated at the old rate until the next payout.

What happens if my staked CRO balance drops below the required amount?

If your staked CRO falls below the threshold for your current tier, your card will be downgraded after a 30-day grace period. During this period, you can replenish your stake to avoid losing benefits. After downgrade, all perks will revert to the lower tier, including reduced cashback and ATM limits.

Are there any fees for maintaining a Crypto.com card?

No, there are no monthly or annual fees for any Crypto.com card tier. However, fees may apply for services outside the included benefits, such as using ATMs that charge their own fees or requesting rush delivery for replacement cards.

Can I have multiple Crypto.com cards under one account?

No, each Crypto.com account is limited to one primary card. However, users can request up to two virtual sub-cards for family members or budgeting purposes. These sub-cards share the same staking balance and tier benefits but can be managed separately within the app.