Best Virtual Crypto Cards in India

Across India, cryptocurrency is steadily moving from a trading asset into something people can use in everyday life. As digital payments continue to grow, virtual crypto cards are becoming a simple and relevant way to spend crypto online or through mobile wallets — without relying on a traditional bank card. In this article, we take a closer look at the best virtual crypto card options available for users in India today.

What Is a Virtual Crypto Card and How to Choose One?

A virtual crypto card works similarly to a debit card, but instead of drawing money from a bank account, it uses your crypto balance. When you pay for something, the provider instantly converts your chosen cryptocurrency into fiat at checkout, so you can spend anywhere Visa or Mastercard are accepted.

When selecting a virtual crypto card in India, it’s worth paying attention to:

• Supported cryptocurrencies — some cards focus on USDT/USDC, others support multiple coins;
• Top-up options — exchange balance, internal wallet, or instant conversion;
• Mobile wallet support — Apple Pay / Google Pay for easier daily use;
• Fees and transparency — conversion rates, issuance, and service charges;
• Security tools — 3DS, 2FA, fraud monitoring, instant freeze.

Ultimately, the best card is the one that fits your spending habits — whether that means everyday online purchases, international payments, or managing multiple digital assets.

Top Virtual Crypto Cards in India

Here are some of the best-known virtual crypto cards available to Indian users, offering convenient funding options, strong security features, and smooth online spending.

The cards reviewed in this guide:

• Cryptomus Virtual Card;
• Bybit Card;
• Uphold Card;
• Crypto.com Visa Card;
• Binance Card.

Let’s look at what each of them offers.

Cryptomus Virtual Card

Cryptomus offers a virtual crypto card that lets users spend USDT or USDC anywhere traditional cards are accepted. Designed for speed and simplicity, the card can be issued right after KYC and is funded directly from the user’s Personal Wallet. With instant freeze, 3DS protection, and real-time notifications, Cryptomus provides a reliable mobile payment experience that works seamlessly in African markets.

Key Features:

• Issue virtual cards instantly after KYC (up to 10 per user);
• Apple Pay and Google Pay support;
• Secure 3DS payments and real-time alerts;
• Freeze/unfreeze controls, card details management;
• 0% withdrawal back to the personal wallet;
• Referral program: 25% from referral top-up fees.

Bybit Card

The Bybit Card lets users spend crypto instantly with automatic conversion at checkout — ideal for India’s digital-payment-driven environment. After completing KYC, users can issue a virtual card inside the Bybit app and link it to Apple Pay or Google Pay. It supports popular cryptocurrencies and includes advanced fraud monitoring and instant freeze options.

Key Features:

• Automatic crypto-to-fiat conversion;
• Apple Pay / Google Pay integration;
• Supports BTC, ETH, SOL, MNT, USDT and more;
• Real-time spending insights;
• 3DS and fraud protection.

Uphold Card

The Uphold Card enables Indian users to spend crypto, fiat, and even metals from a single account, converting assets automatically at the time of purchase. With Apple Pay and Google Pay support, it fits naturally into mobile-first spending.

Key Features:

• Instant conversion when paying;
• Apple Pay / Google Pay support;
• 200+ supported assets;
• Real-time notifications and app control;
• Instant freeze/unfreeze.

Crypto.com Visa Card

The Crypto.com Visa Card is part of a large digital ecosystem and supports multiple assets, including stablecoins. After verification, Indian users can top up the card via the Crypto.com app and pay instantly online or via mobile wallets. Reward tiers are available depending on user preferences.

Key Features:

• Instant conversion through the app;
• Google Pay / Apple Pay support;
• Supports BTC, ETH, CRO, USDT, USDC and more;
• Cashback rewards and tiered perks;
• Built-in security features.

Binance Card

The Binance Card allows users to spend their crypto balances directly from the Binance platform, with real-time conversion into fiat at checkout. For Indian users already active on Binance, it offers an easy way to extend crypto usage into everyday spending.

Key Features:

• Real-time conversion;
• Apple Pay / Google Pay support;
• Supports BTC, ETH, BNB, BUSD, USDT and more;
• Customisable spending preferences;
• Strong verification and security controls.

In India, virtual crypto cards are becoming a handy way to use digital assets for everyday spending. Whether you prefer a simple card, wide asset support, or extra rewards, there are now plenty of choices available. With digital payments on the rise, cards that work with Apple Pay and Google Pay make crypto spending especially seamless — almost like using a regular bank card.

The right card for you will depend on which assets you hold, how often you spend, and the level of flexibility you want.