Rewards calculator
What each card pays you back in a year, minus every fee: plan, FX, per-purchase, small-purchase and top-up. Pick where you live: a card that bills in your currency charges no FX fee at home. Then compare tiers across up to three cards, or see one card line by line.
Tiers of Hyperbeat Pay Card and Infini Card at $1,000 a month · best for you: Hyperbeat Trader $5M ($600 a year)
| Card · tier | Rewards / yr | Plan and card fees / yr | FX cost / yr | Purchase fees / yr | You keep / yr | Notes |
|---|---|---|---|---|---|---|
| $600 | $0 | $0 | $0 | $600 | Tier price not published · FX fee not published · Top-up fee not published | |
Hyperbeat Pay CardTrader $1MPrice not published | $360 | $0 | $0 | $0 | $360 | Tier price not published · FX fee not published · Top-up fee not published |
Infini CardProFree | $180 | $0 | −$12.00 | $0 | $168 | |
Infini CardMaxFree | $180 | $0 | −$12.00 | $0 | $168 | |
Infini CardLiteFree | $180 | $0 | −$36.00 | $0 | $144 | |
Hyperbeat Pay CardAll boostersPrice not published | $120 | $0 | $0 | $0 | $120 | Tier price not published · FX fee not published · Top-up fee not published · Needs: Hold $10,000 in USD or USD+ and spend $10,000 over a rolling 30 days |
Hyperbeat Pay CardEverydayPrice not published | $24.00 | $0 | $0 | $0 | $24.00 | Tier price not published · FX fee not published · Top-up fee not published · Every user |
Which one pays off at your spend
| Monthly spend | Best tier | You keep / yr |
|---|---|---|
| $250 | Hyperbeat Trader $5M | $150 |
| $500 | Hyperbeat Trader $5M | $300 |
| $1,000 | Hyperbeat Trader $5M | $600 |
| $2,000 | Hyperbeat Trader $5M | $1,200 |
| $3,000 | Hyperbeat Trader $5M | $1,800 |
| $5,000 | Hyperbeat Trader $5M | $3,000 |
| $10,000 | Hyperbeat Trader $5M | $6,000 |
Hyperbeat Pay Card
- All boosters (price not published) vs Everyday (price not published): can’t be compared, the price is not published. Needs: Hold $10,000 in USD or USD+ and spend $10,000 over a rolling 30 days.
- Trader $1M (price not published) vs All boosters (price not published): can’t be compared, the price is not published.
- Trader $5M (price not published) vs Trader $1M (price not published): can’t be compared, the price is not published.
Infini Card
- Lite (free) never beats Pro (free) with these settings (checked up to $100,000 a month).
- Max (free) beats Lite (free) once you spend $1 a month.
Worked out with all your other settings unchanged. Staking or lockups a tier needs are not counted as a cost; their value today is shown next to them. Compare these side by side: perks, caps and how to qualify
Missing figures are counted as zero and flagged in the notes. Spending caps, spend bands and small-purchase limits are applied where the issuer publishes them. Top-up fees are worked out on everything you load, including the money that goes on fees. How the calculator works. To see one purchase line by line, try the swipe receipt.