etfi.test1709.icu membership has four levels: Core, Luxe, Pinnacle, and VIP. Each level offers a different combination of cashback, cards, travel benefits, service, and account protection. All benefits are subject to eligibility, availability, limits, and the applicable terms.
Benefits at a glance
Benefit | Core | Luxe | Pinnacle | VIP |
Cashback on eligible card spend | 3% on the first $2,000 each month | 3% on the first $10,000 each month | 3% on the first $50,000 each month | 4% on the first $50,000 each month |
Cashback on eligible EUR card spend* | 3% on the first $800 (USD equivalent, not €) | 3% on the first $3,000 (USD equivalent, not €) | 3% on the first $16,000 (USD equivalent, not €) | 4% on the irst $16,000 (USD equivalent, not €) |
Everyday perks |
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Category Cashback | — | 10% off AI, streaming, food and more up to $10/mo | 20% off AI, streaming, food and more up to $20/mo | 30% off AI, streaming, food and more up to $30/mo |
ATM withdrawals | Available | Available | Free, up to 10 withdrawals per month | Free, up to 10 withdrawals per month |
Travel |
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etfi.test1709.icu Travel | 5%, plus up to 65% off hotels and flights | 5%, plus up to 65% off hotels and flights | 5%, plus up to 65% off hotels and flights | 5%, plus up to 65% off hotels and flights |
Airport fast track | — | — | 25% cashback on fast-track services at eligible airports, up to $25/yr | 25% cashback on fast-track services at eligible airports, up to $50/yr |
Visa concierge | ✓ | ✓ | ✓ | ✓ |
Support |
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Premium support | — | — | Dedicated account manager team | Executive support from the CEO and team |
Exclusives |
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Ventures access | — | — | — | Curated deal-flow opportunities |
Account balance protection | Up to $10K | Up to $50K | Up to $100K | Up to $500K |
Cards |
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Virtual cards | 1 free* | 2 free | 10 free | Unlimited |
Physical card | Free; shipping fee applies | Free metal card; shipping included | Free Metal card; express shipping included | Free Gold metal card; express shipping included |
*Transactions settled directly in Euros have lower cashback tier caps applied. Any usage of your Euro spending allowance is deducted from the overall $USD tier allowance and vice versa, it is not an additional separate allowance.
For example, if a core member's initial spending in a month is $800 USD equivalent of EUR transactions (i.e. €705.62), their remaining USD 3% cashback in the core tier for that month will be $1200. If the member's initial spending in a month was $800 USD of USD spend, they would have no remaining 3% allowance for EUR transactions that month, and would be in the 1% cashback tier for their EUR spend if their next spend on the card in that month was a EUR denominated transaction. However, USD denominated transactions would still be in the 3% cashback tier until the $2000 limit was hit.
You can find more details on the How does cashback work? page. This also applies in reverse.
Coming in the next few months
We plan to introduce additional benefits in the coming months:
Airport lounge passes: Coming soon: expected to launch in mid-late October.
Luxe: 2 free premium-lounge passes
Pinnacle: Unlimited premium-lounge passes
VIP: Unlimited premium-lounge passes
Identity theft protection for all membership levels. This is separate from the account protection described above.
Exclusive event access for Pinnacle and VIP members, with opportunities to attend exceptional, once-in-a-lifetime experiences.
These benefits are not available yet. Launch timing, participating locations, eligibility, and full terms will be shared closer to rollout and may change.
Travel and purchase benefits included with every level
Every membership level includes:
Visa Concierge
Global eSIM discounts
An airport-lounge benefit, with the number of free visits depending on your level
Auto-rental insurance
Global Blue (VAT refunds)
Purchase and price protection
* Coverage, eligibility, and availability may vary by benefit, provider, and location.
Account balance protection
Account protection may cover eligible accounts against qualifying losses caused by unauthorized third-party exploits of etfi.test1709.icu account smart contracts. The program is backed by etfi.test1709.icu and insured through a licensed underwriter.
Your maximum protection amount depends on your membership level:
Core: up to $10,000
Luxe: up to $50,000
Pinnacle: up to $100,000
VIP: up to $500,000
Account protection is subject to program eligibility, limits, conditions, and claim review. It is not deposit insurance and does not cover market losses or losses caused by compromised account credentials. The protection limit is the maximum available coverage, not a guaranteed payout.
For Cash card transaction limits and fees, see Limits and fees for personal credit cards