Cifra Card: A Virtual Card for Online Payments
Type
Payment system
Cifra Card
Cifra Card offers virtual Visa cards that can be loaded via the Single Bank Payment (SBP) system and cryptocurrency. Two plans are available to customers: Standard and Premium. The cards are issued in Singapore and are valid for 2 years.
According to the catalog, verified on October 27, 2026, the Standard plan costs 1,590 ₽. It is designed for international online services and online stores, but does not support Apple Pay or Google Pay. The Standard plan is not suitable for all platforms: for example, ChatGPT and Claude require a different plan.
The Premium plan costs 2,790 ₽ and has a broader list of supported services (the lineup includes hundreds of platforms). It supports Apple Pay and Google Pay, payments in more than 150 countries, and an expanded list of international platforms.
General Terms:
- payment system: Visa;
- Country of issue: Singapore;
- annual service fee: 0;
- top-up fee according to published rates: 0%;
- Top-up methods: SBP or cryptocurrency;
- Validity period: 2 years;
- Account details become available after the first deposit.
Cryptocurrency deposits support USDT on the TRC-20, ERC-20, and TON networks, as well as BTC, ETH, TON, SOL, and other assets. The minimum cryptocurrency deposit is 6 USDT; via SBP, you can deposit between 500 and 100,000 ₽ per transaction. When depositing via SBP, the amount in rubles is converted to the card’s currency. The final exchange rate is displayed before the transaction is confirmed and may change over time, so it cannot be treated as a fixed value.
Your card number, expiration date, CVV, and billing address are available in your account dashboard. For certain plans or transactions, the provider may request identification. It’s important to note that the absence of mandatory KYC for a single transaction does not mean that verification will never be required.
Cifra Card maintains a list of supported services. The list is significantly broader for the Premium plan than for the Standard plan. However, the service itself notes that actual card acceptance depends on the merchant, region, and selected plan. Therefore, the presence of a brand in the list is a useful guide but not a guaranteed assurance of a successful payment.
How to choose a plan:
- Standard is suitable for simpler online payments at the lowest issuance cost;
- Premium is recommended if Apple Pay, Google Pay, AI services, and a broader list of supported services are important;
- Before issuing the card, check the specific service within the Cifra Card lineup.
The advantage of this model is the absence of an annual service fee, according to the published terms. The main costs arise during card issuance and when converting funds during top-ups. For regular use, the actual exchange rate for top-ups will be more important than the difference of a few hundred rubles between plans.
Questions and Answers
How much does the Cifra Card cost?
As of October 2026, the Standard plan costs 1,590 ₽, and the Premium plan costs 2,790 ₽.
Can I top up the card via the SBP?
Yes. You can top up the card with rubles via SBP, as well as with several cryptocurrencies.
Does the card support Apple Pay and Google Pay?
The Premium plan does; the Standard plan does not.
Is verification required?
Requirements depend on the plan and the transaction. The payment provider may request identification.
Editor’s Opinion
Cifra Card offers two plans and a separate compatibility list for international services. The Standard plan is cheaper, but its limitations should be considered in advance, especially for AI services and mobile wallets. The Premium plan costs only slightly more and, with regular use, may prove more practical thanks to Apple Pay, Google Pay, and a broader list of supported platforms. A key advantage is the ability to top up your balance not only via the Single Bank Payment system but also directly with cryptocurrency. However, the actual cost of use depends on the exchange rate at the time of the top-up. Before making a large payment, it’s wise to first test the service in question by making a small payment. For occasional purchases, the Standard plan may be sufficient, but for ChatGPT or Claude, you’ll need a plan that supports the specific service. Additional costs may arise due to the exchange rate when topping up in rubles.
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