Our Official Verdict
The Pinnacle: 5% Cashback + Private Jet Perks
The Private (Obsidian) card is the pinnacle of the Crypto.com program. While the $500,000 stake is significant, the 5%% uncapped cashback and private jet perks make it the world's most prestigious crypto card for 2026.
Overview
The ultimate tier for high-net-worth individuals, featuring 5% rewards, private jet partnerships, and luxury concierge.
Fees & Charges
Annual Fee
TBD
FX Fee
0%
ATM Fee
TBD
Requirements
Supported Regions
GLOBAL
Spendable Assets
USD, CRO, BTC, ETH, USDT, USDC
Private (Obsidian) Review
The Crypto.com Obsidian Visa Card is a USD tier that pairs 5% CRO rewards with a $500,000 12-month CRO staking lockup.
USD tier snapshot
- Subscription fee / lockup: $500,000 12-month CRO staking.
- CRO rewards on everyday spending: 5%.
- Monthly rewards cap: No limit.
- CRO rewards on travel spending (coming soon): 15%.
- Service benefits: Priority support, voice and messaging support, and exclusive experiences are listed.
- Private account manager: Listed as coming soon.
- Subscription rebates: Permanent Spotify, Netflix, and Truth+ rebates.
- Airport lounge access: Yes, plus one guest.
- Free ATM withdrawals: $1,000 USD per month.
- ATM withdrawals cap: $10,000 USD per month.
- Aggregated top-up limit: $25,000 USD per month.
Subscription fee / lockup details
Obsidian is a lockup-only tier in the USD table. There is no monthly or annual subscription fee listed; instead, access is tied to a $500,000 CRO stake locked for 12 months. That makes the capital commitment the dominant cost consideration.
Rewards and caps
The USD table lists 5% CRO rewards on everyday spending with no monthly cap. The travel rewards line is labeled "Coming Soon" and lists 15% for Obsidian. Those travel rates should be treated as conditional until the program is live and the in-app terms are published.
Benefits and service perks
Obsidian includes priority support, voice and messaging support, and exclusive experiences (F1, UFC, UEFA, and more in the table). The table lists a private account manager as coming soon, so you should verify availability before assuming access. Subscription rebates are listed as permanent for Spotify, Netflix, and Truth+.
Fees and limits
The USD table lists $1,000 USD in free ATM withdrawals per month, with a $10,000 USD monthly ATM withdrawal cap. The aggregated top-up limit is $25,000 USD per month. Crypto.com also markets zero FX fees at the program level; confirm your regional issuer terms before relying on that claim.
Break-even math
Because Obsidian requires a $500,000 CRO lockup, a rewards-only break-even comparison is very large:
- Lockup / everyday rewards rate = $500,000 / 0.05 = $10,000,000 in eligible spend to earn $500,000 in rewards.
This calculation ignores CRO price changes and any staking yield, but it illustrates the scale of spend needed to recoup the lockup purely through cashback.
Who this tier fits
Obsidian is designed for very high-spend users who also want premium service benefits and permanent subscription rebates. If your spending is not large enough to materially benefit from uncapped 5% rewards, the lockup is difficult to justify purely on cashback grounds.
Verdict
The USD tier table lists Obsidian with 5% CRO rewards, no monthly cap, premium service benefits, and a $500,000 12-month CRO staking lockup. It also includes lounge access with a guest and permanent subscription rebates. This tier is only rational if you have very high spend and are comfortable tying up significant CRO capital.
Fees and break-even math
Subscription fee: none listed; CRO staking requirement: $500,000 for 12 months. FX fee is marketed as zero at the program level; ATM: $1,000 USD free per month with a $10,000 USD monthly cap. Top-up limit: $25,000 USD per month. All numeric fee and limit figures referenced above are sourced from the USD tier table on the official card page.
Competitor comparison
Closest alternatives include the Binance Visa Card and the Bybit Card. Compare their maximum reward rates and caps against Obsidian's uncapped 5% rewards and large CRO lockup.
