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Card Upgrade: Waived. One-time physical Card Issuance Fee: US$ for the order of the first physical Midnight Blue card. Inactivity: US$ per month of. 3 measures for the next 3 months: % credit card fee waived for buying crypto Groceries shopping up to 10% back Food Delivery up to. Card Upgrade: Waived. Physical Card Issuance: � (for new and replacement Midnight Blue card only). Inactivity: �5 per month after 12 months of inactivity.