Our Official Verdict
Elite Private Status: 4% Uncapped Cashback + Guests
The Private (Icy White / Rose Gold) tier is for the serious collector. With 4%% uncapped cashback and private concierge access, it's a statement card that rewards high spending volume with elite Web3 status.
Overview
High-tier rewards with unlimited cashback, premium lounge access with a guest, and priority service.
Fees & Charges
Annual Fee
TBD
FX Fee
0%
ATM Fee
TBD
Requirements
Supported Regions
GLOBAL
Spendable Assets
USD, CRO, BTC, ETH, USDT, USDC
Private (Icy White / Rose Gold) Review
The Crypto.com Private - $50,000 Card (formerly Icy White or Rose Gold) is an elite tier designed for high-net-worth individuals, requiring a $50,000 12-month CRO staking lockup.
Tier Snapshot
- Reward Rate: 4% CRO.
- Monthly Rewards Cap: None (Unlimited).
- CRO Staking Requirement: $50,000 (12-month lockup).
- Lounge Access: Unlimited + 1 Guest.
- Service Benefits: Priority support, Private account manager, and exclusive experiences.
- Free ATM Withdrawals: $1,000 USD per month.
Subscription fee / lockup details
The Private - $50,000 tier remains a staking-only product in the 2026 structure. It does not have a monthly subscription fee but requires a committed $50,000 CRO lockup. This tier is essentially the "Gold Standard" for long-term Crypto.com bulls.
Rewards and caps
The 4% reward rate is uncapped, making this tier highly attractive for high-volume spenders who exceed the $75 monthly cap of the Pro tier. The removal of the cap is often the primary financial reason for upgrading to this level.
Who this tier fits
This tier is for users who have a significant portfolio within the Crypto.com ecosystem and value the lifestyle perks (unlimited lounge access) as much as the cashback.
Verdict
The Crypto.com Private - $50,000 tier is a powerful premium product that has maintained its core value proposition through the 2026 restructuring. It remains the entry point for "Private" services and unlimited rewards.
Fees and break-even math
Requires $50,000 12-month CRO staking lockup. No monthly subscription fee. Unlimited rewards. All figures are sourced from the official Jan 2026 Crypto.com card terms.
Competitor comparison
Compare against the Kast Card or other high-limit premium cards that cater to the "Whale" demographic.
