Unfortunately, my experience with Plutus has been very negative. At first, everything looked promising — a payment card with cashback in the form of PLU cryptocurrency and a straightforward subscription model. However, during my usage, the rules were changed multiple times, and the actual benefits were significantly reduced.

In order to withdraw the earned cashback, they suddenly introduced a requirement to purchase and deposit additional PLU tokens to upgrade your tier. This change was applied retroactively, after I had already used the card and accumulated cashback.

Moreover, the terms for tiers and rewards were adjusted repeatedly, which clearly affected the price of PLU — mostly to the users' disadvantage.

One more frustrating aspect is that once you top up your Plutus card, you are not allowed to transfer the funds back or withdraw them — the only way to access your own money is by spending it directly with the card.

The final straw was when my PLU withdrawal was canceled, and when I mentioned this issue on their official Discord, I was banned for simply raising the topic.

A lack of transparency, constantly shifting rules, and censorship of criticism make this a very unprofessional service in my opinion. I cannot recommend it.