Fiat deposit tax - 1% to add money to Your card with another card. 

So to actually top-up Your crypto.com card You will need to pay a deposit fee which is 1%. Every time You deposit 100 $ You lose 1 $ to the tax.
To avoid that, All You need to do is use Fiat wallet option inside of the app. 

The only difference is that You actually depositing from Your bank account instead of directly from the card. Bank transfer my take up to two business days. But for me they all went through almost instantly. Now my bank does not apply any fees to these transactions and the app itself won't charge You anything for it. 

After You have deposited Your $$ to the FIAT wallet it's free of charge to top-up Your card within the app. Bang You just save a penny on every dollar you are willing to spend. 

Buying crypto fee - 3% to buy crypto from Your bank/card/google pay/apple pay

Once You have deposited Your FIAT to the FIAT wallet inside of the app You can buy crypto feeless. Fee is going to be at 0 %. 

As this FIAT wallet thing is still relatively new to the app, these benefits are outstanding. Obviously this might not last forever, but for now this is the best way to invest inside of the crypto.com app.