Last updated: 19 May 2026
This page is a working draft. Specific reward percentages and tier thresholds may change as the program is calibrated.
Active cards earn cashback on qualifying purchases. Cashback is paid in USDT directly to the card balance, monthly. Rate depends on card tier and category — current numbers are shown in your app after a card is issued.
Invite users and earn a percentage of the platform fees they generate. Tiers run from 20% (entry) to 40% (VIP), determined by referral volume over a rolling window. See /referral.html.
Unlike some crypto cards in the market, ExCards does not require you to stake or lock up a native token to access rewards. Rewards are paid in USDT, not in an ExCards-issued token.
Heavy spenders qualify for reduced top-up fees on a sliding scale. Threshold and discount levels are visible in the app under "Account" → "Tier".
No travel insurance, no airport lounge access bundled at the card-tier level, and no concierge service. These belong to premium full-bank cards and are not part of our product. If those features are critical, our Mastercard Business is not the right card for that use case.
Questions about your tier or cashback: app.excards.io.