Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Most crypto cards force you into a single, rigid option: limited rewards, basic Visa benefits, low spending caps, or the need to lock up tokens just to unlock better perks.
Tangem Pay fixes this with its first membership tiers: Basic, Plus, and Prestige. Each tier is a membership level on the same Tangem Pay account that sets your card type (Visa Platinum, Signature, or Infinite), number of cards, daily spending limits, and future cashback rates.
You verify your identity once, then pick the tier that matches how you spend.
Basic is free and covers everyday use. Plus and Prestige unlock higher limits, stronger Visa benefits, more cards, airport lounge passes, and bigger rewards as they roll out. This guide explains what each tier includes and how to choose between them.
What is the Basic tier?
Basic is the entry tier. It gives you a working Tangem Pay card and the standard cashback rate. Basic earns 1% cashback on eligible purchases, up to a monthly cap. Cashback arrives in a later app release. Basic is free, with no monthly cost.
This tier connects to the Visa Platinum benefit level. You get airport lounge access, travel insurance, and concierge service from day one.
What is the Plus tier?
Plus is the upgraded tier. It boosts your cashback rate and grants access to higher-tier Visa benefits. With Plus, you earn 2% cashback on eligible spending, with a monthly cap, which is double the Basic rate for the same spending. At just $29 a month, Plus is currently waitlisted.
Plus connects you to the Visa Signature benefit level, offering everything in Basic plus amazing perks like the Visa Luxury Hotel Collection, which includes room upgrades, late checkouts, and a daily food or beverage credit at over 900 hotels.
What is the Prestige tier?
Prestige is the top-tier option. For $83 a month or $999 a year, you gain access to the Visa Infinite benefit level, the highest in the Visa program.
With Prestige, you'll enjoy all the Plus benefits, along with the exclusive Visa Infinite Concierge, an expanded hotel program, upgraded car rental privileges, and return protection. This tier will be available in future updates.
Which tier should you choose?
Two-Tier Model (Basic / Plus)
| Basic | Plus | |
|---|---|---|
| Plan related | ||
| Plan Fee | $0 | $29.99/month |
| Card delivery fee | $17.44 (US); $15.63–$63.45 (other countries) | $0 first plastic card, then standard delivery fees |
| Max cards per user | 3 | 5 |
| Card replacement / additional card fee | Virtual: $5; Plastic: delivery fee only | Virtual: $5; Plastic: delivery fee only |
| FX fee | 1% | 1% |
| ATM fee | 4% | 2% |
| Daily spending limit per card | $10,000 | $50,000 |
| Visa programme | Platinum | Signature (+ Signature Benefits) |
| Card types available | Virtual, Plastic | Virtual, Plastic |
| Basic cashback | 1% all purchases | 2% all purchases |
| Monthly cashback cap | $100 | $300 |
Three-Tier Model (Basic / Plus / Prestige)
| Basic | Plus | Prestige (Coming soon) | |
|---|---|---|---|
| Plan related | |||
| Plan Fee | $0 | $29.99*/month | $999/year |
| *Min monthly spend for free use | – | $4,500 | – |
| *Min assets in Yield Mode for free use | – | $65,000 | – |
| Card delivery fee | $17.44 (US); $15.63–$63.45 (other countries) | $0 first plastic, then standard fees apply | $0 |
| Max cards per user | 3 | 5 | 10 |
| Card replacement / additional card fee | Virtual: $5; Plastic: delivery fee only | Virtual: $5; Plastic: delivery fee only | $0 |
| FX fee | 1.5% | 1.5% | 1.5% |
| ATM fee | 4% | 2% | 1% |
| Daily spending limit per card | $10,000 | $50,000 | $100,000 |
| Visa programme | Platinum | Signature (+ Signature Benefits) | Infinite (+ Infinite Benefits) |
| Card types available | Virtual, Plastic | Virtual, Plastic | Virtual, Plastic, Metal (max 2) |
| Basic cashback | 1% all purchases | 2% all purchases | 4% all purchases |
| Monthly cashback cap | $100 | $500 | $1,000 |
| Airport lounge access (Priority Pass) | – | 2 free/year | 8 free/year |
| Welcome cashback | |||
| For the first $500 spent | 5% ($25) | 10% ($50) | 15% ($75) |
Basic is free and gives you 1% cashback with a $10,000 daily limit, a good starting point if you want to try Tangem Pay with no commitment.
Plus, at $29.99/month, it doubles your cashback to 2%, cuts ATM fees in half, and adds Visa Signature benefits plus two airport lounge visits per year—it pays for itself at around $1,500 in monthly spending.
For high-volume spenders and frequent travelers, Prestige is coming soon. It will offer 4% cashback (capped at $1,000/month), a $100,000 daily limit, up to 10 cards, including metal, eight lounge visits per year, and the full Visa Infinite benefits package. Join the waitlist to get early access.
How do you change tiers?
You manage your tier inside the Tangem app after onboarding and setting up a Tangem Pay account.
Open the Tangem app and tap Payment account.
Tap Select to choose basic or Swipe to go to Plus
Tap Select to choose Plus.
The Prestige tier is coming soon. Join the waitlist on the Tangem Pay homepage.
