Hi All, this is really my $0.02 on Crypto.com and the card they have available as an Australian.

TL;DR: Crypto.com offers a great crypto (visa) card (pretty much the only one available in Australia) and has a great Defi wallet for CRO coins but maybe not the others. 

I don't want to make it look like every other post which just shows the screenshots of the cards and the benefits they give so here is the Crypto.com link which shows all of them: https://crypto.com/au/cards 

Crypto.com offers a range of cards with different tiers, aka the more money you stake the more benefits you receive. I started with the bottom tier, the ruby steel card (staking $500 AUD). This was the bottom tier card at the time I applied but now there is midnight blue which is the free one. A lot of people recommend NOT going for this card (midnight blue) unless you are a literally broke and can't gather $500. This is because if you like the card and want to upgrade it, it will cost $70 AUD to get the upgraded physical card. Of course, you don't have to get an upgraded physical card as you will still get the benefits.

I actually got in when CRO was at around $1 AUD and now it is around $0.6. With this dip I actually upgraded to the higher tier, the $5000 one since I really loved the card and the benefits that came with it. I personally love the free spotify and the super sweet + instant cash back. On the previous card I was getting 2% cash back and now with the upgrade I get 3%! It works for pretty much anything except paying for utility bills and some others which are listed on the website. I personally love the cash back since it feels like everything you buy is at a discount, literally. I pay my fuel with it and get back a little more than 1 CRO, my gym membership rakes me in CRO and getting coffee gives me a sprinkle of CRO like the sweet cocoa powder on my coffee. 

The upgraded tier (from the $5000) also gives a 10% APY staking reward which gets paid out weekly. This is actually less than the Crypto.com Defi Wallet (super easy to set up, especially since it is connected to Crypto.com) which gives 12.3% APY. It is popular within the community to transfer the rewards from the staking to the Defi and then stake it there. You can then restake it there, but there are fees (0.0002 CRO) which is small but can be big if you restake too often so try to find the optimal frequency! ( I think there are calculators which can help do this).

I forgot to mention but the cash back is in the form of CRO (the native crypto.com coin) and if you want free spotify, netflix etc you need to put money on your card so you can pay for it and you get the cash back equal to it in the form of CRO. Oh! and the cards are all metal!

All in all, the card is fantastic. The cash back is cool, free spotify, even free netflix if you are at the $5000 AUD tier and you get a return on investment of APY 10%, which you don't get at the bottom tiers. Transferring to the Defi wallet is also easy and simple, you can store your CRO there as well.

This is my first post so any feed back, maybe even on the structure of my post would be nice.

Shameful plug in if you wanna join the CRO gang: https://crypto.com/app/sqg7qc57g8

Thanks!