The new Raenest Visa Card is built to make global payments more seamless. Powered by Visa, it gives you broader acceptance, more control over how you spend, and a simpler payment experience by connecting directly to your Raenest balances.
Whether you're paying for software subscriptions, online shopping, travel, advertising, business tools, or everyday purchases while abroad, the new card is designed to help you spend globally without the extra steps.
At a Glance
Here's what you can expect from the new Raenest Virtual Card:
Visa-powered USD virtual card
Spend directly from your Raenest balances
No card funding is required before making payments
Accepted on over 1,000 online platforms
Contactless (tap-to-pay) payments while abroad
Apple Pay and Google Pay support
Premium travel benefits
3D Secure authentication for added security
Freeze and manage your card directly from the Raenest app
What's New?
Powered by Visa for wider global acceptance
Your new card is powered by Visa, giving you access to one of the world's largest payment networks. Use it to pay for subscriptions, book travel, shop online, and make purchases with merchants that accept Visa around the world.
Spend directly from your balances
Instead of transferring money to your card before every purchase, your virtual card is now linked directly to your Raenest balances. When you make a payment, your card automatically deducts from your available balance.
Choose how your card spends
You're in control of which balance your card uses first. During card creation, you can arrange your balances in your preferred order, and we'll automatically charge the first balance with enough funds to complete your payment.
Premium travel and lifestyle benefits
Your Visa Signature card comes with premium travel and lifestyle benefits, including access to over 1,200 airport lounges worldwide, more than 200 airport restaurant offers through the DragonPass Dine & Fly app, multi-trip travel insurance, 24-hour concierge services, and an 8% discount on hotel bookings through Hotels.com. Wherever you're headed, your card goes further with you.
Tap to pay on the go
The new Raenest Virtual Card supports contactless payments at compatible terminals, making it quicker and easier to pay in person while travelling.
Built to keep your payments secure
Your card supports 3D Secure authentication for eligible transactions, adding an extra layer of protection to your online payments. You can also freeze your card instantly whenever you need to.
Fees
Creating a new Raenest Virtual Card costs $3.
Transaction fee: A $0.70 fee applies to every successful card transaction.
Cross-border processing fee: Payments made on non-US websites or in currencies other than USD attract a 2% Visa cross-border processing fee.
Spending Limits
Your spending limits are determined by your KYC verification level.
KYC Level 1: Up to $7,000 per day and $21,000 per month.
KYC Level 2: Up to $10,000 per day and $25,000 per month.
KYC Level 3: Up to $12,000 per day and $36,000 per month.
KYC Level 4: Up to $15,000 per day and $45,000 per month.
KYC Level 5: Up to $20,000 per day and $60,000 per month.
As you complete higher KYC levels, your spending limits increase automatically.
Manage Your Card
You can manage your card directly from the Raenest app.
Access your card number, expiry date, CVV, billing address, and cardholder name securely whenever you need them.
View your transaction history to keep track of every payment made with your card.
Give your card a custom name to make it easier to identify.
Freeze your card instantly whenever you want to temporarily stop transactions. You can unfreeze it later from the app.
If you no longer need your card, you can terminate it directly from the app.
Remember, we are available to help if you need assistance. Reach out to our support team anytime through the In-app chat or at [email protected].