Unboxing the Unique Curve Card: A Game Changer for Your Spending!
Discovering the Magic of Curve
Hello everyone! First time posting in the group, so excited to share the most unique card I own – the Curve card!
This gem is currently only available in the EU/UK, so if you're in these regions, definitely give it a try!
What Exactly is Curve?
Think of Curve not just as a bank card, but more like a super-powered e-wallet. It lets you link all your existing cards and choose which one to use for spending, all through one sleek card.
Plans and Pricing
Curve offers various plans with monthly or yearly fees, each unlocking different features. I personally opted for the 10 EUR per month plan as it perfectly suits my needs.
Why Curve Stands Out
So, what makes Curve so special compared to the e-wallets we have here in Malaysia?
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Turns All Your Cards into Mobile Payment Superstars
This feature is a lifesaver! Curve seamlessly integrates your cards with Apple Pay and Google Pay. For me, it was the key to finally using my Shinhan SOL Travel card with Apple Pay – pure magic!
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Global Card Compatibility
You can add most cards from any country without any extra fees. While I haven't tested all card types due to current limitations (Visa cards from outside the EU and Amex/Diners aren't supported yet), the flexibility is incredible.
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Zero Foreign Exchange Fees
This is a huge win for travellers! Spend in any currency with 0% foreign exchange fees, using your chosen card's rate. The exchange rate is based on Mastercard's. With my 10 EUR plan, I get up to 50,000 EUR in fee-free foreign exchange transactions monthly – honestly, more than enough!
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1% Cashback on All Foreign Transactions
This is where it gets really exciting. Curve gives you 1% cashback on all spending outside the EU, on top of any rewards you get from your original card. This cashback is credited to a separate Curve account, and you can then transfer it to your spending card to use. I love pairing this with a debit card that also offers cashback, effectively giving me 2% cashback with no limits!
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"Go Back in Time" – Change Your Spending Card Later!
This is my absolute favourite Curve feature and the main reason I always reach for it. Made a mistake and chose the wrong card? Need to shuffle funds between cards? Or perhaps you've hit your spending limit on a card but still made a purchase? No worries! You can easily change the source card for a transaction up to 90 days later.
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Automated Transaction Categorization
Curve lets you set rules to automatically charge transactions to specific cards based on merchant category codes (MCC). For example, if I have a card offering 20% cashback on dining, I can set it so all my dining expenses automatically use that card as the source, without any manual effort.
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Premium Metal Card
And for those who opt for the highest tier plan, you even get a stylish metal card. It feels incredibly premium and definitely adds a touch of class to your wallet!
Do you have any other uniquely amazing cards? Share your discoveries and reviews with everyone!
Cre: Dũng Hoàng
