> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fizen.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Benefits

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  Don't have a card yet? Apply in 5 minutes
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## Spending Benefits

| Benefit                                     | Detail                                       |
| ------------------------------------------- | -------------------------------------------- |
| Top-up fee                                  | Free (only gas fee applies)                  |
| Authorization fee (transactions under \$50) | First 10 free (\~\$5 waived)                 |
| QR Pay top-up                               | Free when topping up from QR Pay account     |
| Monthly maintenance fee                     | Waived if spending ≥ \$500 in previous month |
| Apple Pay / Google Pay                      | ✅ Available                                  |
| Coverage                                    | 150M+ merchants, everywhere Visa is accepted |

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## Travel Benefits

| Category                        | Benefit       |
| ------------------------------- | ------------- |
| eSIM *(coming soon)*            | 12% discount  |
| Airline Booking *(coming soon)* | 0.5% cashback |
| Gift Cards *(coming soon)*      | Discount      |
| Phone Top-up *(coming soon)*    | Discount      |

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## Saving Benefits

| Category                              | Benefit                                           |
| ------------------------------------- | ------------------------------------------------- |
| Fizen Earn USDT Vault *(coming soon)* | Target APR 60% — 5% APR bonus in USDT paid weekly |

***

## Support

| Category         | Benefit                    |
| ---------------- | -------------------------- |
| Customer support | Priority in-app chat, 24/7 |