Just a 0.8% Fee
No Gimmicks!

LBank Card is a cryptocurrency payment card issued by LBank, providing users worldwide with a secure and convenient way to spend crypto. Users can fund the card with USDT and other supported cryptocurrencies and make payments at merchants that accept Visa. LBank Card also supports Apple Pay and Google Pay, making both online and offline payments easy.

Available to users outside prohibited countries. Prohibited countries: See the list

After logging in to the LBank App, go to [LBank Card], enter your identity information, and complete the required security verification. Once your application is approved, your card can be issued. If the submitted application materials are complete and clear, card issuance can be completed in as little as 1 minute. If additional documents are required, please follow the on-screen instructions. Once the bank card is activated, it can be used for purchases immediately.

You can use the crypto balance in your LBank App Spot account directly for card payments. When you make a card payment, the system will automatically deduct the amount from your Spot balance. The card can be used for both online payments and offline POS purchases.

Per-transaction and daily spending limits are subject to your card tier and account status. You can view the specific limits and fee rates on the LBank Card page.

After entering the card management page, you can freeze the card via [Card Management]. While the card is frozen, no card transactions can be made. If you want to use the card again, you can unfreeze it at any time from the same page. You can also choose to cancel the card. Once canceled, the card will become permanently invalid and you will need to apply for a new card. Neither freezing nor canceling the card will affect deposits to or withdrawals from your account balance.

A transaction may fail due to insufficient balance, merchant restrictions, abnormal card status, spending limits, regional restrictions, or risk control reviews. If an amount is temporarily held, it will either be deducted or released based on the merchant’s settlement result. If the merchant issues a refund, the funds will usually be returned via the original payment method. If you notice any unauthorized or abnormal transaction, freeze the card immediately and contact LBank Customer Support.

Before binding your card, please ensure that your Spot Account has sufficient available balance. An authorization fee will be charged regardless of whether the card binding succeeds or fails. If your balance is insufficient, the authorization fee cannot be deducted, causing the card to be automatically frozen. You will need to add sufficient funds before applying to unfreeze the card.

0.8% cashback (capped at 10 USDT): Available to VIP0–VIP2, with no minimum spending requirement.

1% cashback (capped at 30 USDT): Available to VIP3–VIP4, with at least 1,500 USDT in spending in the previous month.

1.2% cashback (capped at 100 USDT): Available to VIP5–VIP6, with at least 5,000 USDT in spending in the previous month.

2% cashback (capped at 250 USDT): Available to SVIP users, with at least 20,000 USDT in spending in the previous month.

10% cashback (capped at 10 USDT): Available for coffee purchases only.

For standard cashback, the cashback tier for the first month is determined by the user's VIP level. Starting from the second month, the tier will be reassessed based on the actual spending amount in the previous month. The monthly caps for standard cashback and special-scenario cashback are calculated separately. All cashback caps above are calculated per user per calendar month. The same transaction cannot qualify for both standard cashback and special-scenario cashback; the higher cashback rate will apply.

Commission rebates are calculated as a percentage of the transaction fee. The maximum rebate rate is 10% for C-end users and 30% for B-end users. Commissions will be distributed on T+7.