Keytom Card
Keytom Card is a crypto card issued on Visa, rated 6.2/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Keytom Card is the strongest fit for AI subscriptions and streaming, and asks for ID + proof at signup — we carry it at medium risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Keytom Card · Crypto Card |
| Official site | https://keytom.com/card |
| Best for | AI subscriptions · Streaming |
| Network | Visa |
| Rating | 6.2/10 (3.0★, 147 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Free (virtual); 50 USDC (physical delivery) |
| Monthly / annual fee | 10 USDC/month per active card (20 USDC with virtual+physical) |
| Top-up (deposit) fee | 1.5% (EUR to crypto); 0.25-1% (crypto to crypto) |
| FX / conversion fee | 1% USD / 2.35% non-USD (min 0.66 USDC) |
Verification and risk
| KYC required | Yes (ID + PoA + selfie) |
| Risk level | Medium |
| AVS check | No |
Funding and limits
| Crypto top-up | Yes (USDC, BTC, ETH) |
Billing
| Billing address | Custodial |
| Billing country | Hong Kong (issuance only; usable globally) |
Platform compatibility
| ChatGPT | Yes (listed merchant) |
| Claude | Yes (listed merchant) |
| Netflix / Spotify | Yes (listed merchant) |
| App Store / Google Play | Google Pay only (no Apple Pay) |
| AI tools noted | ChatGPT / Claude |
What the issuer states on its own site
- Virtual card: free to open, $10/month for maintenance, payments 1% in USD or 2.35% in other currencies (min $0.66).
- ATM withdrawals 2% in USD or 3.35% in other currencies (min $0.66).
- When you pay with your card, a payment fee is added to the purchase: 1% for USD payments or 2.35% for payments in other currencies, with a $0.66 minimum fee applied in all cases.
- Physical card: $50 delivery (about 14 days), $10/month for maintenance, same payment and ATM fees.
- The standard soft limit is around $150,000 per transaction, with no fixed cap on the number of transactions or monthly card spend.
- ATM withdrawals are available up to 3 withdrawals per day and 30 withdrawals per month, with a $3,000 daily and $10,000 monthly cash withdrawal limit.
Source: https://keytom.com/card.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 499000 | Visa | Hong Kong SAR, China | Debit | 264 | 188 | 71.2% |
We logged 188 cleared charges out of 264 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Visa virtual cards
Frequently asked
What does Keytom Card cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is 10 USDC/month per active card (20 USDC with virtual+physical); top-ups cost 1.5% (EUR to crypto); 0.25-1% (crypto to crypto); conversion is priced at 1% USD / 2.35% non-USD (min 0.66 USDC). Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Keytom Card?
Keytom Card asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (ID + PoA + selfie)
How can I fund Keytom Card?
You can fund it with crypto (USDC, BTC, ETH). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Keytom Card need?
Setting it up: the billing address type is Custodial; cards are issued against Hong Kong (issuance only; usable globally); an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Keytom Card work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, Netflix and Spotify. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.