KuCard

How to Earn KuCard Reward Points?

Cập nhật lần cuối: 07:04:04 20/07/2026

Turn Everyday Spending Into Crypto Rewards  

KuCard Points Reward System transforms everyday spending into meaningful value through a flexible, crypto-powered loyalty ecosystem. Users earn Points on eligible purchases made with KuCard. Rewards can be redeemed for cryptocurrencies, cashback vouchers, and exclusive promotions, encouraging ongoing engagement and higher spending activity.
   

Dual Rewards Engine: VIP Status + Spending Tier

The KuCard Rewards Program takes into account both:
  • User VIP Level
  • Monthly Spending Tier
The system automatically applies whichever tier offers the higher reward rate.
This means that even users with a lower VIP level can still enjoy enhanced rewards by reaching higher spending tiers.
     
     

How to Earn Points

Eligible transactions earn points according to the following formula:
Points Earned = Spending Amount × Reward Rate × 1,000
Example:
A user spends 100 USDC while enjoying a 3% reward rate.
Points earned: 100 × 3% × 1,000 = 3,000 Points
         
      

Reward Tier Structure

As a welcome reward, new users will earn an additional 1% Rewards Points on their first eligible KuCard transaction.
*Reward rates and points earned are calculated based on every USD 1 of eligible spending.
*The system will automatically apply the higher tier between the user's VIP Level and Monthly Spending Tier when calculating rewards.
Example:
A VIP0 user is normally entitled to a 1% reward rate.
Once their monthly cumulative spending exceeds 3,000 USDC, they will automatically unlock a 3% reward rate and earn rewards based on the higher tier.
            
      

Real-Time Tier Upgrade Mechanism

Monthly spending is tracked in real time.
Once a user reaches a spending threshold, the corresponding reward tier will take effect on the following day and remain valid through the end of the next calendar month.
Example:
A user reaches 3,000 USDT in cumulative spending on April 15.
Starting from April 16, the user will enjoy:
  • An upgraded reward rate of 3%
  • An increased monthly reward cap of 60 USDT
  • Benefits valid through May 31
     
     

Points Redemption System

Cryptocurrency Redemption

Users can redeem points for the following digital assets:
  • USDC
  • USDT
Redemption Rate: 1,000 Points = 1 USDC
     

Long-Term Incentive Mechanism

Points Availability Period

KuCard Rewards Points are issued only after a transaction is completed and settled. Therefore, points may not appear immediately and could take some time to be credited.
To ensure reward integrity and prevent abuse through refunds or reversed transactions, Points will become available only after a 15-business-day verification period following transaction completion.
   

Points Expiry

Points remain valid for 90 days from the date they become available.
This allows users sufficient flexibility to choose when and how to redeem their rewards.
   

Eligible Spending Scope

Monthly cumulative spending includes:
  • KuCard purchases
The following transactions are excluded from rewards calculations:
  • Refunded or reversed transactions
  • Financial services and cash-equivalent transactions
  • Fiat currency exchange transactions
  • USDC conversion transactions
  • High-risk MCC (Merchant Category Code) categories
This framework helps ensure that rewards are distributed fairly while supporting the long-term sustainability of the rewards ecosystem.
     
MCC Category Reason
6010 Financial Institution Cash Transactions High AML / Compliance Risk, Non-Standard Consumer Spending
6011 ATM Cash Withdrawal High AML / Compliance Risk, Non-Standard Consumer Spending
7800 Government Gambling High AML / Compliance Risk, Non-Standard Consumer Spending
7801 Government Lottery High AML / Compliance Risk, Non-Standard Consumer Spending
7802 Horse Racing Betting High AML / Compliance Risk, Non-Standard Consumer Spending
7995 Gambling / Betting High AML / Compliance Risk, Non-Standard Consumer Spending
9211 Court Fees High AML / Compliance Risk, Non-Standard Consumer Spending
9222 Government Fines High AML / Compliance Risk, Non-Standard Consumer Spending
9754 Gambling-Related Transactions High AML / Compliance Risk, Non-Standard Consumer Spending
6211 Securities Brokerage Investment / Cash-Equivalent Transactions
8999 Investment / Financial Consulting Investment / Cash-Equivalent Transactions
5816 Digital Goods – Gaming No Interchange Fee
5968 Direct Marketing – Subscription No Interchange Fee
6300 Insurance Underwriting & Premiums No Interchange Fee
4829 Remittance / Money Transfer Cash-Equivalent / Fund Transfer Transactions
6012 Financial Institutions / Payment Intermediaries Cash-Equivalent / Fund Transfer Transactions
6050 Foreign Exchange Transactions Cash-Equivalent / Fund Transfer Transactions
6051 Crypto Assets Cash-Equivalent / Fund Transfer Transactions
6532 Payment Service Provider Cash-Equivalent / Fund Transfer Transactions
6536 Wallet Top-Up Cash-Equivalent / Fund Transfer Transactions
6537 Wallet Transfer Cash-Equivalent / Fund Transfer Transactions
6540 Non-Financial Institutions – Stored Value Card Purchase / Reload Cash-Equivalent / Fund Transfer Transactions
9311 Taxes & Fees Government / Tax-Related Payments
9399 Government Services Government / Tax-Related Payments
9402 Postal Services Government / Tax-Related Payments