Infini card review: a 4.1 that stopped issuing cards

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

Infini was one of those cards that promised to solve a real problem: being able to spend crypto, or stablecoins, from something that looks and behaves like an ordinary payment card. If you landed on a crypto card because a normal bank card was refused to you — because of where you live, what you do, what you earn, or simply which country’s doors count as closed — the pitch made sense. And on paper the money side was unusually attractive: no annual fee, no monthly fee, no transaction fee, a free first card, and free stablecoin top-ups.

Then the programme stopped where it stood. On 17 June 2025 the company announced that all Global, Lite and Tech cards would be suspended both for use and for new applications. Whatever you were hoping this page would tell you — how to apply, what the fees are this month, whether it works in your country — the honest answer is that this is now a card to unwind rather than a card to open.

I score it 4.1 out of 10. That is not a rounding of a mid opinion; it is a card whose cost structure was the best in this comparison and whose reliability was the worst, and a card that has already cost its holders the main thing they asked for: a card that works.

The conditions described here are current as of October 28, 2026.

Score card

Two things stand out. The cost line is genuinely excellent — a 9 out of 10 for a card that charges nothing to hold and nothing to spend, and that is not a marketing claim; those are the figures on the pricing page. The reliability line is 1 out of 10, and it is the one that decides who should care about this page. A card that does not work cannot be rescued by a low fee.

Who this suits now: almost nobody as a card to open. Who it does not suit: anyone whose plan depends on this card being live — a freelancer billing in stablecoins, a person without a usable bank card in their own country, anyone who added it to Apple Pay as a primary rail. For holders, the sections below are about getting your balance out and closing the loop. If you were never a holder and you are shopping for a crypto card, skip to the alternatives and pick one of those.

What happened to the programme

Two things happened, close together, and both are public record. The first was a theft. The second was a shutdown.

In February 2025, reporting by Decrypt described roughly US$49.5 million in USDC being taken out of an Infini vault, with the mechanism traced to retained administrative privileges held by a former developer, and the analysis credited to Cyvers and QuillAudits. Infini said at the time that withdrawals and payments continued, and the founder said full compensation could be paid. That is the kind of statement that sounds reassuring on the day and ages badly.

Then, on 17 June 2025, Infini issued a notice that all Global, Lite and Tech cards would be suspended “for both usage and new applications” — WuBlockchain reported this on 23 June 2025, quoting the notice. The same notice said card issuance fees would be refunded automatically to the Infini balance. A co-founder cited high compliance costs and thin margins and said the company was shifting toward wealth management. Deposits, withdrawals and Earn were to continue.

Since then the app has kept moving, which is the confusing part. The App Store release notes show a new “Max Card experience” in version 0.3.0 on 22 August 2026, and Business sub-accounts later in 2026. In other words, the company’s product roadmap continued while three of its personal cards were frozen. That is why the state of the Max card for private customers is unclear from the public pages: the company has kept shipping, and has not clearly said that private cardholders are back in the same position.

Who the card was for, the public pages no longer tell you. The site says “180+ Countries Supported” for the platform, and the App Store listing says the card works “where available” with the note that “feature availability may vary by account permissions, account status, and region”. No country list, no citizenship rules, no exclusion list. The business side is described in more detail — full KYB approval for higher volumes “typically” takes under eight hours — but that is for companies, not for personal cards, and personal-card KYC documents and age requirements are not stated anywhere I could read.

What the cards were is a little clearer. There was a virtual card and a “Stablecoin Corporate Card”. The Max Card worked with Apple Pay and Google Pay. The card network is not named. There is no information about a physical card or shipping: the site says virtual cards are issued instantly and then stops. So the honest answer to “is there plastic I can hold” is that the card’s own pages never said.

The reward structure existed and was modest. Max Card offered 2% cashback on eligible purchases “with terms applying”, with the footnote implying a base of 1% and up to 3% during a promotion — what it is paid in is not stated. There was a Rewards Center in the app and a sign-up promotion; the “$20 cash reward” on the site was a sign-up incentive, not a spending reward, and those are easy to confuse.

The pricing page listed three personal cards, and this is where the card looked genuinely competitive:

Across all three: USD spending fee 0%, monthly fee $0, transaction fee $0. Separately, the site claimed “0% FX on ad spend” and payment reference fees “as low as 0.3% (subject to actual terms)” — but those are about payments, not about the card, and the card’s own conversion fee is not stated. The first card is free with no annual fee, the minimum initial top-up is US$10, and stablecoin top-ups are free. Fees for additional cards are “confirmed at application”.

If you kept a copy of these numbers, keep them, but understand what they are: a price list for a product that is suspended. They are useful as a benchmark for the alternatives below — several of them charge more for less — and useless as something you can sign up for.

One last thing that is not on any pricing page: the app. On the App Store it sat at 4.7 out of 5 from three ratings when I read it on 20 October 2026, iPhone only, iOS 16.0 and up, version 1.3.0. Three ratings is not a signal in either direction. Google Play figures are not stated.

If you already have the card

This is the section that matters if you are reading because you have money sitting in an Infini balance. Let me be blunt about what I could and could not establish.

What is stated. Card issuance fees are refunded automatically to your Infini balance following the 17 June 2025 notice. Deposits, withdrawals and Earn were to continue after the suspension.

What is not stated. The public pages say nothing about withdrawing the balance on a suspended card: no withdrawal fees, no withdrawal limits, no terms for closing an account, no timeline. The App Store release notes mention BTC withdrawals and a “withdrawal address matching” fix, which tells you the function existed in the app, not what it will do for a frozen card. Nobody has published a shutdown timetable for holder balances.

So here is the shape of the risk you are carrying. Your card stopped working. Your money is in someone else’s platform balance, and that platform has already suffered a multi-million-dollar theft and a card programme shutdown. The things that would normally protect you — a chargeback, a deposit guarantee, a segregated account — rest on claims the card’s pages make rather than on a licence number anyone can look up. Cynosure Technology LLC in Hong Kong is the App Store seller and the company named on the site. The issuing bank is not named; the site says it “partners with regulated financial institutions”. An FCA mark appears on the site without a licence number. SOC 2 Type II and PCI-DSS Level 1 are claimed. Segregated, “bankruptcy-remote” accounts and multi-signature MPC wallets are claimed. Exvul is named as an auditor and penetration tester. The app has biometric authentication and, as of v1.3.0, passkey sign-in. What is not stated is the custody model for personal users and whether any insurance sits behind the balance. None of this is reassuring or damning on its own; it is the absence of a named issuer and a lookable number that makes the position hard to verify.

On top-ups: USDC and USDT are supported, networks are not specified, and there are also local USD and EUR accounts. Fiat deposits went through Iron at 0.20% plus the rail fee — ACH $1, FedNow $1, RTP $1, wire $20, SEPA EUR 1. Network fees are not stated. Limits are described as custom and per-card, with no numbers. ATM access is not stated. Disputes: the refund fee is 1% on Pro and Max, and no dispute or chargeback process or timeframe is described anywhere.

My advice, framed as questions rather than as instructions, because I am reviewing a card and not running your account:

• Ask support, in writing, what the current status of your balance is and what the withdrawal route is. The contacts listed are email [email protected], a Help Center on Telegram at t.me/infini_official, and X at @0xinfini. Hours are not stated, and languages are not listed on the site, though Thai was added to the app in v1.1.0.
• Ask specifically about a suspended card versus a suspended account. Those are different problems and get different answers.
• Ask for the withdrawal conditions in writing before you assume a transfer is instant. On-chain transfers are irreversible, so a deposit sent on a network the provider does not support, or to an address on a different network, can be lost or need manual recovery with no guarantee. If you do move funds out, confirm the network and the address with support first, twice.
• Check what you are actually holding. Bitcoin accounts and USD/EUR local accounts exist alongside the stablecoins, and the mechanics differ.
• Do not treat the Rewards Center balance or any promotional credit as money you have budgeted. Terms are “with terms applying” and were never spelled out.

If you have used the card normally, keep the records. Prepaid-card chargeback coverage varies by scheme and should not be assumed, and there is no published dispute route here to lean on anyway.

What can go wrong

The reliability score of 1 out of 10 is not a prediction. It is a description of what has already happened, twice.

The theft is the first data point. About US$49.5 million in USDC left an Infini vault in February 2025 through retained admin privileges from a former developer. That is a control failure — access that stayed after the person left — and control failures tend to leave marks elsewhere.

The shutdown is the second. A card programme that stops accepting applications and spending is what happens when the economics break or the compliance burden outruns the revenue. The company’s own stated reason was high compliance costs and thin margins. For you, that reads as: the people who run the card no longer see a reason to keep it running, and the balance you hold is subordinate to their interests.

The third thing to watch is the quiet part. I found no Trustpilot page and no Reddit discussion for Infini itself, and none for the company’s other products — which sounds like a small company rather than a hidden disaster, but it means there is no independent record of how holders were treated. When a platform has no public complaint history and no named issuer, you have fewer places to look if something goes wrong.

Two further structural risks apply to any crypto card and apply here:

• Where you live and who you are can be checked at the moment you try to use the card, not only at sign-up. Nationality is recorded and screened separately from residence, because sanctions screening and issuer risk policy often run against citizenship and country of birth as well as country of address. A card that works today can stop working for you after a compliance review, and in the EU that is a legal obligation rather than a policy choice: if due diligence cannot be completed, the institution must refrain from the transaction or the relationship.
• Acceptance is not the same as eligibility. The BIN lookup at the merchant tells the shop which institution and country issued your card, and some merchants apply extra scrutiny when the issuer country differs from the billing address. Address verification services are mainly offered in the US, Canada and the UK and are generally unavailable for foreign-issued cards, which causes declines. A declined authorisation can leave a hold on your funds for several days.

And the general category risk, stated plainly because it is the thing that catches people: crypto transfers are typically irreversible, and a stolen private key has no recovery path, because the network cannot freeze or return funds. If your balance sits with a custodian, you are carrying counterparty and hack risk — Mt. Gox, Coincheck and Ronin are the reference points, at roughly US$350 million, US$400 million and US$625 million. Self-custody moves that risk to you: key loss, phishing, and clipboard malware that silently swaps a copied address.

What to take instead

I am not going to pretend any of these is a straight swap for a card that charged 0% FX. None of them is. But three of them are still live, and comparing them honestly is more useful than pretending Infini is an option.

Cardex is the strongest of the three on the numbers, and its network list is the broadest — four networks, virtual and physical, which is more than Infini’s public pages ever described. The catch is that the fees are the thing you would buy a card for, and Cardex does not publish a percentage; the “AI-Powered Conversion Rate” is a description of how it picks a rate, not a promise about what it costs you. That is not a reason to reject it, but it is a reason to send one small test payment and read your statement before you rely on it. Its App Store listing is Naira-focused, which tells you something about the intended user even while the site says 200+ countries.

CardFlow is the clearest of the three about its market: Nigeria, explicitly, with Naira bank transfer alongside Bitcoin, USDT and ETH, and a virtual USD Mastercard created in about 3 minutes. Creating the card is free. Everything after that — monthly fee, conversion fees, rewards — is not stated anywhere I could read. If you are in Nigeria and your alternative to Infini is nothing, a free virtual USD Mastercard funded from a Naira transfer is a real answer.

HyperCard is the vaguest. Prepaid, balance in USD or EUR, funded by depositing crypto in the app. The App Store says it works in more than 176 countries, but that is about where the card is accepted, not who can hold one — no country list appears on the official pages. No fees are published on the pages I could read, and the network is not named.

What all three share, and what you should check yourself: none publishes a network for its crypto deposits, none publishes a fee percentage you can hold them to, and none publishes a rewards structure. None of them names an issuer on the pages I read either. And the deck-stacker arithmetic still applies — on-chain network fees for your deposit are charged by the blockchain, not by the card company, so a deposit is never free. Stablecoins can depeg, and have: TerraUSD collapsed in May 2022, USDC briefly lost its peg in March 2023.

If none of these fits your country, the more productive search is not another crypto card but a plain e-money or payment account that will issue you a card in the first place. An electronic money institution in the EU can issue e-money, payment cards and wallets, cannot lend, and can offer services across the EU/EEA from a licence granted in one member state. That is a sturdier footing than a crypto programme manager whose issuer is not named.

Who I would recommend it to

Nobody, as a card to open. That is not rhetoric — the programme that would issue you one stopped taking applications on 17 June 2025.

To people already holding it: treat the balance as money in transit. Write to support and get a written answer on how and when you withdraw it, confirm the network before any transfer, and do not add funds in the meantime on the assumption that the card will come back. If your income arrives in stablecoins, this is the moment to move away from a platform balance and towards a wallet you control, even though that trade means taking on key-loss risk yourself.

To people who could never get an ordinary card: I understand why you looked here. A 0% FX card with no monthly fee sounded like the door opening. It opened and then closed again. Look instead for a licensed e-money institution in your own jurisdiction — under MiCA, e-money tokens may be issued only by a credit institution or an electronic money institution, and in the EU these funds must be safeguarded by segregation or insurance. That is a different promise from a crypto card with no named issuer, and it is the one that survives a bad year.

To everyone else: the lesson is about sequencing. Read the issuer, not the app rating. A 4.7 from three ratings tells you nothing; a named issuing bank and a licence number you can look up tell you a great deal. And check the company’s history before you check its fees — the fee list is what gets screenshotted, and the February 2025 vault loss is what actually happened.

One last thing, said once and then I will leave it alone. I am not a tax adviser and this is not tax advice. In the US the IRS treats digital assets as property, so exchanging them for goods, services or dollars generally produces a taxable gain or loss, measured in local currency at the fair market value on the date of the transaction — which means each card payment funded from crypto can be a separate disposal. If you have been spending a crypto balance card by card, that is worth a conversation with someone qualified in your jurisdiction.

Frequently asked questions

What is Infini card?

Infini was a crypto card platform offering personal virtual cards and a corporate card, funded with stablecoins and local currency accounts. Its seller and named company is Cynosure Technology LLC in Hong Kong. The site claimed 180+ countries supported for the platform and that virtual cards are issued instantly. The issuing bank is not named — the site says it partners with regulated financial institutions. Three of its personal cards were suspended in June 2025.

Why were Infini cards suspended?

On 17 June 2025 Infini issued a notice that all Global, Lite and Tech cards would be suspended for both usage and new applications, reported by WuBlockchain on 23 June 2025. Issuance fees were to be refunded to the Infini balance. A co-founder cited high compliance costs and thin margins and said the company was shifting toward wealth management. Deposits, withdrawals and Earn continued.

Is Infini a bank or a regulated company?

No, not as far as the public pages show. Cynosure Technology LLC is the company named, and an FCA mark appears on the site without a licence number. The site says it partners with regulated financial institutions, and claims SOC 2 Type II and PCI-DSS Level 1 certification plus segregated accounts, but no issuer is identified and no licence number is given to look up. The custody model for personal users and any insurance behind the balance are not stated.

Is Infini card safe for my money?

I would not treat it as a safe place to hold money. About US$49.5 million in USDC was taken from an Infini vault in February 2025 through retained administrative privileges, and three personal cards were suspended four months later. The card’s own security claims — segregated accounts, multi-signature MPC wallets, SOC 2 and PCI-DSS — are claims on the site, and the custody model for private users and any insurance are not stated. Funds at a custodian carry counterparty and hack risk.

Can I still use my Infini card in my country?

No. The 17 June 2025 notice suspended Global, Lite and Tech cards for usage as well as new applications. The status of the Max card for private customers is unclear: the app shipped a new “Max Card experience” in August 2026 and Business sub-accounts later in 2026, but no clear statement restoring private cardholders was published. Separately, a foreign-issued card can be declined anywhere — address verification is mostly a US, Canada and UK service.

How do I withdraw money from Infini?

The public pages do not say. There are no stated withdrawal fees, limits or account-closure terms for a card balance, and no shutdown timetable for holders — only that deposits, withdrawals and Earn continued after the suspension. Write to [email protected] or use the Help Center on Telegram to ask, and confirm the network and address in writing before any on-chain transfer, because blockchain transfers are irreversible and a wrong-network deposit can be lost.

What does it cost to hold and use an Infini card?

The pricing page listed: first card free, no annual fee, monthly fee $0, transaction fee $0, USD spending fee 0%. FX was 1% on Pro, 3% on Lite, 0% on Max. Refund fee was 1% on Pro and Max. Max added a 1% cross-border fee outside Hong Kong and $0.30 on transactions under US$50. Stablecoin top-up was free; fiat via Iron cost 0.20% plus a rail fee from $1 to $20. Minimum first top-up was US$10.

What are the alternatives to the Infini card?

The three I looked at are Cardex (5.6/10), a debit crypto card on VERVE, VISA, Mastercard and UnionPay with virtual and physical versions; CardFlow (4.9/10), a free virtual USD Mastercard aimed at Nigeria with a Naira bank transfer option; and HyperCard (4.7/10), a prepaid card funded with crypto and spent in USD or EUR. None publishes a conversion fee percentage or a deposit network, so test with a small amount first.

Was the Infini card free?

The first card was free, with no annual fee, a $0 monthly fee and a $0 transaction fee. Beyond that, fees for additional cards were “confirmed at application”. The Max card advertised 2% cashback on eligible purchases with terms applying, and the site’s “$20 cash reward” was a sign-up incentive rather than a spending reward. Stablecoin top-ups were free, but on-chain network fees are charged by the blockchain, not by the card.

Is Infini card worth it?

Not now, and not as something to open. The cost structure was the best in my comparison, which is why it scored 9/10 there, but reliability scored 1/10 and the card programme was suspended for both use and new applications in June 2025. If you already hold a balance, the question is not whether it is worth it but how to get the money out safely. If you are starting fresh, choose an option that names its issuer and its licence.

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