Plutus Card
Plutus
- Cashback
- 3% – 9%in PLU (Pluton)
- Monthly fee
- Free virtual card ('No sign up cost', 14-day trial); paid plans Starter/Everyday/Premium
- FX / conversion
- 2.5% non-domestic POS & ATM (domestic POS free)
- Issuance
- Virtual free · Physical £9.99/€9.99
- Card type
- virtual + physical
Eligibility & KYC — who can get it
✓ Open to most nationalitiesNot issued to residents / citizens of:
EEA + UK only: Plutus is available only to users with legal residence in the United Kingdom or a supported EEA country; the restricted page adds a catch-all 'any other country not explicitly mentioned in the supported list' (so everything outside UK+EEA is blocked), plus restricted overseas territories (e.g. Gibraltar, Isle of Man, Jersey, Guernsey, Aruba, Curaçao, Canary Islands, Faroe Islands, Greenland, French overseas territories). Note: 'Slovakia' appears on BOTH the restricted and supported pages (likely a stale restricted-page entry).
Issuer’s markets: UK + EEA (GBP/EUR; UK & Lithuania entities)
Where you can pay
✓ Worldwide — anywhere Visa is accepted (60M+ merchants, online & in-store)Official plutus.it help 'Where Can I Use My Card?': 'Your Plutus Debit Card acts just like a regular VISA debit card. That means you can spend at more than 60 million merchants supporting Chip and PIN or Contactless payments worldwide and online.'
Plans & tiers
| Tier | Cost / requirement | Cashback | Perks & limits |
|---|---|---|---|
| Starter | Free plan (14-day trial) | 3% PLU (loyalty ladder start) | Free virtual card · base eligible-spend cap |
| Everyday | Paid plan | up to 9% PLU via loyalty tiers | Higher eligible-spend cap |
| Premium | Paid plan | up to 9% PLU via loyalty tiers | Highest cap · perk rebates (Netflix, Spotify, Uber up to £/€10) |
Cashback details
Start at 3%, climb to 9% via loyalty tiers (require holding 1–40,000 PLU in your wallet — not locked/staked, but must maintain the stack). Paid as +PLUS Points → PLU. 11 tiers: Noob (1 PLU, 3%) → Honey Badger (40,000 PLU, 9%). Subscription plans: Starter £/€6.99/mo, Everyday £/€9.99/mo, Premium £/€19.99/mo.
Spend from
Pre-funded GBP/EUR via bank transfer; Apple Pay / Google Pay / Samsung Pay
Verification procedure
Required (ID + selfie)
AI subscriptions
Visa card works for online subscriptions. Perk rebates include Netflix, Spotify, Uber (up to £/€10). UK/EEA only.
Good to know
Now offers a FREE virtual card (previously no free tier). Cashback is loyalty-tier based, not staking-based. Eligible-spend caps by plan. Perk rebates (Netflix, Spotify, Uber) up to £/€10. 'Plutus isn't a bank'.
Referral program
Conditions: Friend signs up via link, passes KYC, deposits €20/£20+ within 45 days. Points 'Pending' 30 days.
Claim bonus ↗
