debit Card•

Plutus Card

Name: Plutus Card
Brand: Block Code Ltd
Availability: InStock

by Block Code Ltd

Plutus is a reward-focused Visa debit card from Block Code Ltd for the UK and EEA that earns 3% to 9% back as PLUS reward points. A paid monthly subscription is required to earn rewards and perks (Starter £/€6.99, Everyday £/€9.99, Premium £/€19.99); the virtual card is free to order and a physical card costs £/€9.99. Stacking Rare PLU tokens in your own wallet unlocks higher Reward Levels (up to 9% and more perks), and the monthly spend eligible for rewards runs from £/€250–1,000 by plan up to £/€40,000 at the top level. Plutus ended its banking partnership with Modulr in October 2025 and says its new banking partner will be named once the related features are live.

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PLUTUS CARD

Block Code Ltd

Cashback

Up to 9%

Annual Fee

Free

FX Fee

2.5%

Staking

None

Max Cashback

Paid in PLUS

Annual Fee

Premium Perks

Available Regions

Unique Features

Non-Custodial Staking: Connect MetaMask to unlock higher tiers without depositing crypto.
PlutusSwap: Internal feature to swap PLU for card balance (subject to limits).
Perk System: Specific £/€10 rebates rather than generic cashback.

Pros

High reward rate ceiling (up to 9%)
Stackable 'Perks' (rebates) for popular subscriptions (Netflix, Spotify, etc.)
Non-custodial staking (you hold your own keys for the tier boost)
High spending limits

Cons

Paid monthly subscription required
High withdrawal fees for ATM and PLU payouts
Rewards stay pending for 45 days before they become available
Complex system of Plans vs. Levels vs. Caps
Cards and top-ups are currently unavailable; 'Upgrading to a full card account is temporarily unavailable until the transition to our new banking partner completes' (PlutusLite FAQ, plutus.it/help/plutuslite, checked 29 Oct 2026)

Integrations & Tech

IBAN Support

iOS App

Android App

Debit Mode

Credit Mode

IBAN: Plutus ended its Modulr partnership in October 2025; per the issuer (Plutus Q1 Migration FAQ, 20 Feb 2026) IBAN send/receive returns with a new banking partner, not yet named, once the migration is complete.

AvailableExcludedUnknown

Available In (31)

AustriaBelgiumBulgariaCroatiaCyprusCzech Republic

Virtual Card

Available

Instant digital issuance.

Physical Card

Available

MaterialPlastic

Issuance$10

ShippingFree

Replacement$10

Tier Comparison

Noob

3% Cashback

Stake Required

$1 PLU

Issuance Fee

$10

Replacement Fee

$10

FX Fee

2.5% + fixed fee

ATM Fee

2.5% min fee

Fee Structure

Annual FeeFree

Monthly Fee$7

FX Fee2.5%

Issuance Fee$10

Shipping FeeFree

Replacement Fee$10

Inactivity FeeNone

Crypto Conversion1%

Credit CheckNot Required

Top-Up FeeFree

ATM Capabilities

ATM Fee (Domestic)N/A

ATM Fee (Intl)N/A

Fee After Limit2.5%

Detailed Fee Structure

FX Fee2.5%

ATM Fee2.5%

Detailed Limits

Spending Limits€500,000/day

Daily

500,000 EUR

Fee Details

Monthly fee depends on plan: Starter (£/€6.99), Everyday (£/€9.99), Premium (£/€19.99). FX Fee is 2.5% for non-EUR/GBP transactions. ATM withdrawal fee is 2.5%. PLU Payouts incur a dynamic network gas fee.

Limits & Conditions

ATM withdrawals are not free (2.5% fee). Daily card spending limit is £500,000 / €500,000. The most important limit is the Monthly Reward Cap (eligible spend for cashback), which ranges from £/€250 (Starter) to £/€1,000 (Premium) and can be boosted up to £/€40,000 at Honey Badger (40,000 PLU).

Crypto Capabilities

Security & Custody

Custody ModelHybrid

Wallet TypeAccount Abstraction (ERC-4337)

InfrastructureBanking partner not yet named (Modulr ended Oct 2025); Self-Custody (PLU stacking)

Supported Assets

Chains

Ethereum

Tokens

Yield on Collateral

On-chain History

Governance Rights

Credit Scoring

Lifestyle Benefits

Supermarket ChoiceUp to £/€10 rebate at Tesco, Aldi, Lidl, or Sainsbury's

NetflixUp to £/€10 rebate per month

SpotifyUp to £/€10 rebate per month

Apple OneUp to £/€10 rebate per month

Uber/Uber EatsUp to £/€10 rebate per month

Rewards Program DetailsRewards are issued as PLUS points (Plutus Reward System). Per Plutus Terms & Conditions (last updated 8 Apr 2025): rewards stay 'Pending' for 45 days after the transaction settles, then become Available or are cancelled; points earned after 7 May 2025 are non-withdrawable in-app points used for redemptions (perks, gift cards, cashback brands). PLU (Pluton, 'Rare PLU') is no longer eligible for payout after 8 May 2025 and is only stacked in an external wallet to reach Reward Levels. Unredeemed PLUS tied to a subscription expires 30 days after cancelling. Status (Plutus Q1 Migration FAQ, 20 Feb 2026, https://www.plutus.it/blog/plutus-q1-migration-faq): card spending and PLUS rewards on card spend are paused until the new Plutus cards launch. The FAQ says: 'While banking features are in migration, and you cannot earn PLUS from card spending' and that this lasts 'until the new, better, and stronger Plutus cards are live'.

Payout Frequency

45 days (Pending)

Exclusions

Financial services,Money transfers,Gambling,Government payments