Plasma One renames its memberships: Premium costs $600 a year and Platinum $2,500, or an XPL lock

What Plasma changed

Plasma's help center says that on 11 November 2026 existing Plasma One memberships got new names and new benefits. Lite became Standard and Core became Premium, while Platinum kept its name. New members get the updated plans as they launch.

The prices are new too. Standard has no fee. Premium costs $600 a year, or you can lock 20,000 XPL, Plasma's token, for 12 months instead of paying. Platinum costs $2,500 a year, or a 12-month lock of 100,000 XPL. Plasma's comparison page lists the same three prices.

What each plan includes

Standard is the free starting point: a US dollar account, a virtual card, up to 1% cashback, a 1% FX markup on spending abroad and 0.25% referral cashback. New Standard members earn 1% on their first $500 of eligible spending each month and 0.1% above that.

Premium adds a physical card, up to 2% cashback, 0% FX on the first $3,000 of card spending each month (1% after that), a $200 yearly AI credit, $10 a month in local rewards and priority support. Plasma says airport lounge visits for Premium are coming soon.

Platinum comes with a metal card and three virtual cards, up to 3% cashback, unlimited 0% FX, unlimited lounge access, a $500 yearly AI credit, $50 a month in local rewards and a 24/7 direct support contact. The Platinum page also lists a flight credit of 10% back up to $300 each half-year, a wellness credit of 20% back on Oura, WHOOP or Eight Sleep up to $100 each half-year, Visa Infinite insurance, a $25,000 daily ATM limit and transfer limits above $5 million.

If you already have a membership

Paid Core members keep their $199 yearly rate and their current cashback bands until the term ends. Plasma says it will give at least 30 days' notice before the renewal price changes, and you can cancel or renew at $600 a year or with a 20,000 XPL lock.

XPL locks for Core or Platinum are not restarted or extended; they run to their end date on current terms. People on complimentary Core keep it until the free period ends, then choose Premium or the free Standard plan. Existing Lite members keep their 2% base rate on the first $500 a month. Plasma says no one has to do anything now.

Two benefits change straight away. The separate AI rebate and AI cashback become one AI spend credit, $200 a year for Premium and $500 for Platinum, allocated monthly, covering ChatGPT, Claude, Cursor and other providers. Unused monthly credit does not roll over. Premium and Platinum also get local rewards at selected merchants in Dubai, London and New York.

Our take

The headline number is the $2,500 Platinum fee, but the bigger change for most people is Premium: Core used to cost $199, and the same tier now costs $600 for new buyers. It pays off mainly if you spend abroad, since 0% FX on $3,000 a month saves up to $30 a month against Standard's 1% markup, or if you would use the $200 AI credit anyway. Locking XPL instead of paying ties up a token that can fall in value for a full year, and it cannot be unlocked early. Cashback rates are band maximums paid in XPL, not flat rates, so check the bands in the app before you upgrade. If you are on paid Core, nothing changes until your renewal notice arrives.