Crydit vs Halocard
Torn between Crydit and Halocard? The comparison below is built from the same test data we use across the rest of the site.
Crydit issues on Visa · Mastercard and Halocard on Visa; both ask for ID + proof.
Halocard comes out cheaper on running cost once issuance and monthly fees are added up. Crydit is the better fit for power users who need Alipay or WeChat top-ups.
Where they split
| Field | Crydit | Halocard |
|---|---|---|
| Card network | Visa, Mastercard | Visa |
| Card type | Crypto Card | Crypto Card |
| KYC | ID + proof | ID + proof |
| Card issuance fee | Visa card $179 (promo); Mastercard $199 ($100 off with existing Visa) | Essential 3 cards $12/mo; Pro 12 cards $15/mo; Elite 60 cards $75/mo |
| Monthly fee | Free | Essential $12; Pro $15; Elite $75 (annual gives 2 months free) |
| Top-up fee | Visa 1% (account-to-card transfer); Mastercard 1.5%+12U | 1% (stablecoin/credit card/bank transfer); some sources say credit card 5% |
| FX fee | Visa spending 1.5%+$0.8; Mastercard spending 0% | Non-USD 1.5%+$0.30; USD spend $0 |
| Crypto funding | Yes (USDT/USDC/DAI/USD1) | Yes (stablecoin top-up) |
| AI tool support | ChatGPT / Claude / Midjourney | ChatGPT / Claude / Midjourney |
| Risk level | Medium | Medium |
| Our rating | 7.3 | 8.4 |
| User reviews | 692 | 319 |
| Best for | All-rounder · Ad spend | All-rounder · Ad spend |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
The two, compared
- Budget-led users will lean to Halocard: the running cost is the lower of the two.
- Halocard edged Crydit on our composite rating across fees, risk and merchant tests.
The head to head
Halocard is the cheaper card to hold: about $3 to create and a 1% top-up, against about $179 and a 1% top-up at Crydit. Crydit earns its keep only if you need Alipay or WeChat top-ups.
Questions people ask
That depends on what you spend on. Crydit scores 7.3/10 against Halocard's 8.4/10 in our tests, but the two split on fees, KYC and crypto funding. Read the table above, then match it to the checkouts you actually run.
Halocard works out cheaper: a lower running cost. Crydit adds about $179 per virtual card, a 1.5% FX fee, a 1% top-up fee.
Crydit asks for ID + proof at signup; Halocard asks for ID + proof. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 1 of the same test scenarios, including Reddit Ads. They overlap on a good share of checkouts, so the choice between them matters most on those pages. Where one is accepted and the other is not usually comes down to the billing country and 3-D Secure handling.
Where both show up
Crydit and Halocard both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
📈 Ad Platforms 1
Their BIN ranges
Cards issued in 🇦🇺 Australia · 🇸🇬 Singapore — the country guides group every range we track from there.
What our charge log shows
Every count here is a real charge attempt we placed on that range, renewals included, with the gateway response recorded. Weeks tracked is how long the range has been in the programme: