> For the complete documentation index, see [llms.txt](https://docs.coin98.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.coin98.com/products/physical-cards/fusion-card/visa-card/what-are-the-differences-between-the-usd-card-and-the-sgd-card.md).

# What are the differences between the USD Card and the SGD Card?

{% hint style="warning" %}
As part of our card service provider's programme update, the Coin98 Fusion Card will migrate from the **Visa SGD Card** programme to the **Visa USD Card** programme after **12 August 2026**.
{% endhint %}

### What is the main difference between the USD Card and SGD Card?

The core difference is billing currency: the USD Card bills all transactions in US Dollars, while the SGD Card bills in Singapore Dollars. This determines which transactions are treated as "foreign" and therefore incur a Foreign Exchange (FX) fee.

The table below highlights the key differences between the two card programmes:

| Category                       | SGD Card                                  | USD Card                                  |
| ------------------------------ | ----------------------------------------- | ----------------------------------------- |
| **Card Billing Currency**      | Singapore Dollar (SGD)                    | US Dollar (USD)                           |
| **Foreign Exchange (FX) Fees** | Applied to transactions not billed in SGD | Applied to transactions not billed in USD |
| **USD / SGD Spending**         | SGD transactions do not incur FX fees     | USD transactions do not incur FX fees     |


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