Plutus DeFi Card
Plutus · VISA prepaid
🚨 SERVICE DISCONTINUED — Plutus DeFi Card suffered a major collapse in 2026-Q1 after the end of its Modulr banking partnership (2026-01). Cards deactivated, fiat deposits blocked for UK/EU users. Plutus continues only as a token (PLU/PLUS) ecosystem on Base blockchain.
NorriWire does not maintain an affiliate agreement with this issuer.
Cashback
3.0%
PLU
Monthly fee
Free
FX markup
1.50%
over ECB
Fees
| Issuance | €9.99 |
| Monthly fee | Free |
| FX markup | 1.50% |
| Free ATM per month | €200 |
| ATM fee thereafter | 2.00% |
| Card replacement | €9.99 |
Features
- ✓Physical card
- ✓Virtual card
- ✓Contactless payments
- ✓Apple Pay
- ✓Google Pay
- ✓Support for 10+ crypto balances
Supported fiat currencies: EUR, GBP, USD
Pros
- ✓MiCA conversion plan (PlusMore RaaS on Base)
- ✓Parent company (Plutus) still active
- ✓Recovery via PLUS token
- ✓Historical 3-9% cashback PLU
Cons
- ✗🚨 Modulr banking partnership end 2026-01
- ✗🚨 Cards deactivated for UK/EU clients
- ✗🚨 Fiat deposits blocked
- ✗DEX paused for UK/EU since 2023
- ✗Affiliate program closed
- ✗2.5% FX fee
- ✗PLU cashback requires €100+ stake
Full review
Plutus DeFi Card — Plutus DeFi Card is the highest cashback Visa card on the market (up to 9% PLU). The tier system is highly aggressive — €
Plutus DeFi Card is the highest cashback Visa card on the market (up to 9% PLU). The tier system is highly aggressive — €25,000 PLU staking required for Elite tier. UK heritage, EU access via Banque de France EMI passport.
Key advantages
- Highest cashback on the market (up to 9% PLU)
- Entry-level Standard tier offers 3% cashback (no staking required)
- 200 EUR free ATM withdrawals per month
- A genuinely unique product from a DeFi-focused team
- Apple Pay and Google Pay support
Key drawbacks
- PLU token is highly volatile and less liquid than CRO/NEXO
- Issuance fee of 9.99 EUR (Bitpanda/Crypto.com issue theirs for free)
- Not available in Norway
- No Latvian language support
- Tier system — Elite (9%) requires €25k PLU staking
Bottom line
The highest theoretical cashback card available, but rewards are paid in PLU only — which makes the real-world value unstable. Norriwire would not recommend it for beginners. For an experienced DeFi enthusiast, it works well as a supplementary 'bonus' card.