SBP Top up via SBP Soon — rubles in seconds

One card
The whole world

Virtual and plastic Visa & cards for payments worldwide: subscriptions, Apple Pay and Google Pay, purchases online and in stores.

2 minto issue
190+countries
$0to top up
Pay for popular services
$20 / mo
$20 / mo
$15.49 / mo
$11.99 / mo
$13.99 / mo
$2.99 / mo
$10 / mo
$59.99 / mo
as billed
as billed
as billed
as billed
$20 / mo
$20 / mo
$15.49 / mo
$11.99 / mo
$13.99 / mo
$2.99 / mo
$10 / mo
$59.99 / mo
as billed
as billed
as billed
as billed
Why Lumera

Everything for payments without borders

Fast issuance

A card ready to pay in minutes — no visits, no paperwork.

SBP

Top up via SBP Soon

Top up in rubles via SBP or any Russian card.

Pay worldwide

Subscriptions, services, taxis, hotels and purchases in 190+ countries.

Wallets

Apple Pay, Google Pay, Alipay and WeChat — in one tap.

Pricing

Three cards for your needs

First year free, $0 top-up, 3D Secure on every plan.

For subscriptions
$29
USD · first year free
  • Pay for subscriptions & services
  • $0.25 conversion
  • 3D Secure
  • Top up via SBP Soon
Choose
Popular
For travel
€39
EUR · most popular
  • Works in 190+ countries
  • Apple Pay, Google Pay, Alipay, WeChat
  • €0.25 conversion
  • Priority support
Choose
Premium
$149
USD · better rate
  • Better conversion rate
  • Higher limits
  • 24/7 support
  • All plan features
Choose

Add to your wallet in a minute

Add the card to Apple Pay or Google Pay and pay with your phone anywhere.

  • Enter card details
  • Confirm the code
  • Done — card in your wallet
ready
ready
soon ·
soon ·
190+ countries
2 min to issue
24/7 support
3D Secure
Catalog

Works for any foreign service

AI tools, streaming, design, games, travel — and hundreds more services.

AI tools

ChatGPT ChatGPT Claude Midjourney Midjourney Perplexity Perplexity Runway Gemini Gemini

Streaming

Netflix Netflix Spotify Spotify YouTube Premium YouTube Premium Disney+ Disney+ HBO Max Twitch Twitch

Design

Figma Figma Adobe CC Canva Pro Canva Pro Framer Framer Webflow Webflow Dribbble Dribbble

Productivity

Notion Google One Google One iCloud+ iCloud+ Dropbox Dropbox Slack Slack 1Password 1Password

Games

Steam Steam PS Store PS Store Xbox Xbox Epic Games Epic Games Roblox Roblox Nintendo

Travel

Booking Booking Airbnb Uber Grab Agoda Expedia Expedia
Partners

Earn with Lumera

💰 Referral program

You earn 10% of the bank's net revenue on every top-up made by the people you invite.

10%of the bank's net revenue on invitees' top-ups
1Share your link
2Friend tops up a card
3You get the reward
Invite a friend →
ℹ️ Details & terms
  • You earn 10% of the bank's net revenue (our margin) on each top-up by an invited user.
  • Payout currency — USD.
  • Minimum payout — $5.
  • The reward is credited after the top-up is confirmed; withdrawal goes to your main Lumera card.

🤝 Partner program

For businesses: growing income, custom terms and a dedicated manager.

Become a partner →
FAQ

Frequently asked questions

How does a virtual card work?+

The card is issued online in a couple of minutes — no visits or paperwork. You get the card details and immediately pay for subscriptions, foreign services and purchases online and in stores, and can add the card to Apple Pay or Google Pay.

How do I get a plastic card?+

We deliver the plastic card by courier — from 3 days. Ask support for the exact timing.

How can I top up?+

In rubles via SBP or with any Russian bank card — credited in seconds. SBP soon

What are the fees and rate?+

Top-up fees and the conversion rate depend on your plan — see the current terms in the Pricing section.

Is it secure?+

Every payment is confirmed with 3D Secure, and data is transmitted over a secure connection. Only you can see the card details in your account.

Lumera virtual cards for payments worldwide

SEO text placeholder. A detailed product description, use cases and benefits will go here — content to be added later.

How it works and where it helps

SEO text placeholder. A detailed breakdown — issuance, top-up, paying for services, fees and limits — will go here later.

Ready to pay without borders?

Get your Lumera card in a couple of minutes.

Get a card