484402 Virtual Card Review - Singapore Visa Debit
Where it cleared without drama: Epic Games Store, Google Play, Steam. All three passed first time and survived a renewal four weeks later.
Spritz Finance issues 484402 out of Singapore. Classed Debit, runs on Visa.
484402, decoded
- BIN
- 484402
- Card network
- Visa
- Issuing country
- Singapore
- Card type
- Debit
- Issued by
- Spritz Finance
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- US/Global
- Funding methods
- Crypto
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
The fee stack
Up front you have no issuance fee. On each funding event, no top-up fee. Outside USD, no FX markup. Nothing is hidden. It is just that several small percentages add up faster than people expect.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Where 484402 clears, and where it does not
Attempts counted per merchant by hand from the log, so a single declined order does not skew the rate.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Epic Games Store | 103 | 94 | 91% | first charge and renewal four weeks later both cleared |
| Google Play | 84 | 72 | 86% | cleared on the first attempt, no challenge issued |
| Steam | 64 | 53 | 83% | went through on a fresh card with the issuer's default address |
| Crunchyroll | 42 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Nike US | 31 | 11 | 35% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a Singapore-region account between 11 Jul to 22 Aug 2026, with the billing address set to the issuer default unless noted. Declines were logged with the reason the gateway returned.
Failures we could not fix
If you buy from Crunchyroll, use something else. It declined consistently. Nike US was fine on retry.
What to change before you retry
- Crunchyroll: 0 of 42 cleared. Billing runs monthly in USD from the account's store region. Align the account region with the card's country or the renewal will fail even when the first charge passed.
- Nike US: 11 of 31 cleared. Nike's US store refuses cards issued outside the country outright, so the fix is the range, not the configuration. A domestic-issued range clears; a foreign one never will.
Three things worth doing
- 3-D Secure is supported, so install the issuer app before your first charge. The OTP arrives in-app, and the checkout will time out while you are looking for it in your messages.
- Paste the Singapore billing address Spritz Finance generates rather than typing your own. One transposed digit is enough to fail the check.
- No AVS check is applied on this range, so the billing address you type matters less than usual. It still has to be consistent between the first charge and the renewal.
Our call
We would not build a whole spend strategy on one Debit range, but as one card among two or three it earns its place. The pattern across all 324 attempts was consistent, which is the most useful thing you can say about a card range.
What people ask us
What does the 484402 BIN tell a merchant?
Roughly: who issued it, where, and what kind of product it is. Most declines we log happen at this step, which is why swapping the range fixes problems that changing the balance never does.
Is 484402 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Spritz Finance can map those. A BIN alone will never get anyone into your money.
Why would 484402 be declined if the range is fine?
Changing one variable at a time is the only way to diagnose this. Address first, then card, then the connection country. We have seen people change all three and learn nothing.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card Spritz Finance issues in Singapore carries the same six digits. Two people on 484402 can get opposite results at the same checkout, which is why a single review is never conclusive.
How this test was run
We bought a Spritz Finance card, funded it, and pushed 324 charges through live merchant checkout pages between 11 Jul to 22 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 230 cleared.
Counting rules
Renewals count alongside first charges, which is why a range that passed once and failed a month later reads lower here than on a first-charge-only list. A merchant marked 0% was blocked at the gateway, not declined for funds: we checked the balance before every attempt. Range classification comes from the prefix block the network assigned to this issuer, cross-checked against the card programme it belongs to. Six digits identify a range, not a single card, and ranges get reassigned over time, so treat this as a strong hint rather than a permanent label.
Log through 13 Sep 2026 14:40 UTC · rate last re-checked 30 August 2026 · 324 charges on record for this range.