GCash and Maya charge 2–3% FX on every international swipe. Plu charges zero.
Every time you use your GCash Mastercard or Maya Visa on Netflix, Steam, Amazon, or Spotify, a 2–2.75% Foreign Exchange Conversion Fee is added to your purchase. It doesn't show up as a separate line item — it's baked into the exchange rate. Your ₱1,000 purchase actually costs ₱1,025–1,028.
Banks are worse. BPI and BDO international transactions carry 2.5–3.5% FX markups plus separate transaction fees.
Plu is a free Visa card with exactly 0% FX markup. The exchange rate in the app is the rate applied. No conversion fee. No weekend surcharge. No fine print. Over a year, this saves Filipino users ₱3,000–15,000 depending on spend volume.
Free cards. Fund your way.
Three card flavours — pick the one that fits how you spend.
Free Virtual Card
FreeCreated instantly. Works on Netflix, Steam, Amazon, Spotify, and every platform that accepts Visa. Fund with USDT, USDC, GCash, or Maya.
Physical Card
See pricing tierReal Visa delivered to your Philippine address. Tap at POS, withdraw at ATMs, use anywhere worldwide.
Stablecoin Card
FreeFund directly with USDT or USDC on Tron or Ethereum. No peso conversion. No P2P trade. Crypto in, Visa out.
USDT in. Visa out.
The Philippines has one of the highest crypto adoption rates in Asia. Millions hold USDT and USDC on Coins.ph, Binance, or personal wallets. But spending that crypto has always meant selling on P2P, receiving pesos, then using those pesos on a GCash or Maya card — which adds another 2–3% in FX fees.
Plu eliminates the entire loop.
Send USDT from any wallet on Tron (TRC20). Balance updates in 30 seconds. Network fee under $1. Your Visa card is funded and ready to spend.
No P2P trade. No peso conversion. No bank intermediary. No GCash or Maya FX markup. Just crypto → card → spend.
Also supports USDC on Tron and Ethereum. Same process, same speed. Tron is recommended for the Philippines because Coins.ph supports TRC20 withdrawals with minimal fees.
This makes Plu the only card in the Philippines you can fund directly with stablecoins. GCash doesn't support it. Maya doesn't support it. No Philippine bank supports it.
Fund with USDT →Three steps. Free. No bank FX account.
- 1
Download Plu
iOS and Android. Sign up with your Philippine ID. Free.
- 2
Fund your card
USDT, USDC, GCash, Maya, or bank transfer (InstaPay/PESONet). Zero FX spread.
- 3
Spend anywhere
Virtual card ready instantly. Works on every site and app that accepts Visa.
Pay for anything. Zero FX fees.
Wherever Visa is accepted, Plu works — and the rate you see is the rate you pay.
| Category | Examples |
|---|---|
| Gaming | Steam, PlayStation Plus, Xbox Game Pass, Nintendo eShop, Riot Points, Genshin Impact, Roblox |
| Streaming | Netflix, Disney+, HBO Max, Spotify, YouTube Premium, Apple Music |
| Freelance tools | Canva, Figma, Adobe, Zoom, Google Workspace, Notion, ChatGPT Plus |
| Online shopping | Amazon, AliExpress, eBay, ASOS, Shopee international sellers |
| Digital ads | Facebook Ads, Google Ads, TikTok Ads, Instagram Ads |
| Education | IELTS registration, PTE Academic, Coursera, Udemy, university applications |
| Dev tools | AWS, Google Cloud, DigitalOcean, Vercel, GitHub Pro, JetBrains |
| Travel | Booking.com, Airbnb, Agoda (international rates), airlines |
Why Filipinos switch to Plu.
The honest, side-by-side comparison.
| Feature | Plu | GCash Card | Maya Card | Bank Cards |
|---|---|---|---|---|
| Card creation fee | Free | Free (virtual) / ₱150 (physical) | Free (virtual) / ₱200 (physical) | Free (with account) |
| Monthly fee | ₱0 | ₱0 | ₱0 | ₱200–500 |
| FX markup | 0% | ~2.5% | 2–2.75% | 2.5–3.5% |
| USDT funding | ✓ | ✗ | ✗ | ✗ |
| USDC funding | ✓ | ✗ | ✗ | ✗ |
| Fund from GCash | ✓ | N/A | ✗ | ✗ |
| Fund from Maya | ✓ | ✗ | N/A | ✗ |
| Card network | Visa | Mastercard | Visa | Visa/MC |
| Agent card (AI) | ✓ | ✗ | ✗ | ✗ |
The key insight: GCash and Maya are peso wallets that added international cards as a feature. Plu is a dollar card platform — international spending is the entire product. That's why GCash/Maya charge 2–3% FX (it's a revenue stream for them) and Plu charges 0% (spending IS the product).
Frequently asked questions.
What is Plu?
Plu is a free global card platform. Virtual and physical Visa cards with zero forex fees. Fund with USDT, USDC, GCash, Maya, or bank transfer. Available in the Philippines and 143 countries.
Is the card really free?
Yes. Free card creation. Zero monthly fees. Zero FX markup. You pay nothing beyond the actual dollar amount you spend. No hidden charges.
How is Plu different from GCash or Maya for international purchases?
GCash charges ~2.5% FX per international transaction. Maya charges 2–2.75%. Plu charges 0%. For domestic PHP transactions, GCash and Maya are better tools. For international USD spending, Plu saves you 2–3% on every purchase.
Can I fund with USDT from Coins.ph or Binance?
Yes. Send USDT on Tron (TRC20) or Ethereum (ERC20) from any wallet — Coins.ph, Binance, Trust Wallet, MetaMask. Tron is the recommended network for the Philippines: under $1 in fees, confirmation in 10–30 seconds, and Coins.ph supports TRC20 withdrawals natively. Plu is the only card in the Philippines with direct stablecoin funding.
Can I fund from GCash?
Yes. Send PHP from your GCash wallet to Plu. Converted to USD at market rate with zero spread.
Does Plu work on Steam?
Yes. Plu is a Visa card. It works on Steam, PlayStation Store, Xbox, Nintendo eShop, Epic Games, and every gaming platform that accepts Visa.
Is Plu legal in the Philippines?
Yes. Using a prepaid Visa dollar card is legal for Philippine residents under applicable financial regulations.
Your free dollar card is waiting.
No creation fee. No monthly fee. No FX markup. Fund with USDT, GCash, or Maya — spend anywhere Visa is accepted.
Get Your Free Card →