My Journey with the Cypher Card in Malaysia

I recently signed up for the Cypher Card, a Visa card linked to your crypto holdings that lets you pay with digital assets anytime, anywhere. In Malaysia, the Standard card offers a daily spending limit of over RM 200,000, which is perfect for everything from your morning kopi to large purchases.

How I Got Started

1. Sign-Up and KYC
   I clicked “Get My Card” on Cypher’s site, completed the identity verification within minutes, and received my virtual card immediately in the Cypher app.
2. Ordering the Metal Card
   I chose the physical metal card and paid the US$50 shipping fee on 8th May. It arrived via FedEx on 26th May in secure packaging, totaling 25 days in transit from California, US, to Malaysia.
3. Loading Crypto
   Cypher supports over 500 tokens across more than 25 blockchains. I transferred USDC from my MetaMask wallet and the funds appeared instantly thanks to Cypher’s off-ramp feature.
4. Spending with Ease
   I added the virtual card to Apple Pay and Google Pay. I used it to buy lunch at my favorite nasi lemak stall and to pay a utility bill using the built-in bill-pay feature—no extra conversion steps required.

Key Features for Malaysians

• RM 200,000+ daily limit on the Standard card, and RM 900,000+ daily limit on the Premium card (enough to swipe for a Lamborghini, Ferrari, Porsche, or even a property) for an additional US $199 annual fee.
• Any Non-Custodial Wallet can be linked, including MetaMask or Trust Wallet
• Global Acceptance at over 40 million POS terminals worldwide
• Low Fees
  • 0.5 percent to load USDC; 1 percent for other tokens
  • 1 percent non-USD transaction fee (local banks may add 0.25–1 percent)
• Virtual and Physical Options: virtual card is free; metal card ships for US $50
• Family and Business Plans let you add sub-cards or grant accountant access

Why I Recommend Cypher

• Instant conversion from crypto to fiat behind the scenes
• Withdraw cash from any ATM with a 3% fee
• High daily limits make large expenses easy to cover
• Full control in one app: freeze the card, set spending caps, and track transactions

How to Claim Your Card and Earn Reward Points

1. Go to https://app.cypherhq.io/card/referral/OZYA7153 or enter code OZYA7153
2. Complete the quick KYC process
3. Load crypto from your preferred non-custodial wallet
4. Start spending immediately with your virtual card

When you sign up using my referral link or code, you’ll earn 50 reward points instantly. Those points can be used toward future Cypher benefits, making it even more rewarding to get started.

Issue I Faced on First Use

At first, I thought the card would work instantly without any extra steps. When I tried to pay for lunch at Yat Pan Dim Sum in Setia Alam, the transaction was rejected. It turned out the card wasn’t activated yet. I had to go home and complete the activation process in the Cypher app before I could use it.

You can refer to the step-by-step screenshots below for activating your card once you receive it.

Later, I was able to use the Crypto card at NOBUNAGA (信長), a Japanese restaurant near Hartamas Shopping Centre in Malaysia.

For anyone in Malaysia looking to turn crypto into everyday spending power, Cypher makes it simple and secure.

Disclaimer: This post reflects my personal experience and publicly available information. Please do your own research before using any financial product.