Bitrefill Card
Visa card of the Swedish gift-card shop Bitrefill: you keep crypto in your own wallet and deposit it only when you want to spend, it is converted to euros on the card. Virtual and physical card free, no monthly fee, free SEPA withdrawals to a bank account. 1% cashback on crypto deposits plus 1% on purchases, paid in euros as Bitrefill store credit (gift cards, eSIMs); a free 20 GB eSIM each month with deposits over €500. For residents of the EU, Norway and Iceland.
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Max cashback
2%Conditions apply: tap or hover for detailsShow source
Base fee
FreeShow source
FX fee
ATM fee
Card fee
FreeShow source
Credit line
NoShow source
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No annual or monthly fee on the base tier
- 1% base cashback in EUR store credit on Bitrefill
Cons
- Top rate of 2% only with conditions — 1% on crypto deposits plus 1% on purchases
Good for
Not enough data to say.
Not for
Not enough data to say.
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to Bitrefill Card:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
All details
Fees4/15
- Monthly fee
FreeShow source
- Physical card fee
FreeShow source
- Virtual card fee
FreeShow source
- Transfer fee
FreeConditions apply: tap or hover for detailsShow source
SEPA withdrawal of the card balance to your bank account
Not yet researched: Annual fee, Replacement fee, FX fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, ATM fee, Free ATM allowance, Settlement fee, Small transaction fee, Other fees & markups.
Cashback & rewards6/14
- Base cashback
1%Conditions apply: tap or hover for detailsShow source
On purchases; plus 1% on crypto deposits; paid as Bitrefill store credit
- Max cashback
2%Conditions apply: tap or hover for detailsShow source
1% on crypto deposits plus 1% on purchases
- Cashback paid in
EUR store credit on BitrefillShow source
- Cashback type
FiatConditions apply: tap or hover for detailsShow source
Store credit for gift cards and eSIMs
- Cashback conditions
No cap per transaction · Cashback never expires · Free 20 GB eSIM each month with deposits over €500Show source
- Reward exclusions
Deposits to bank accounts · Cash outs · ATM withdrawalsShow source
Not yet researched: Interest on balance, Cashback-eligible spend cap, Max cashback per month, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting.
Credit & financing1/11
- Credit line
NoShow source
Not yet researched: Credit type, Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk, Spend own balance directly, Spend by borrowing against collateral.
Supported countries & currencies2/4
- Available in
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, IcelandConditions apply: tap or hover for detailsShow source
Not for US or Russian citizens regardless of residency
- Account / spend currencies
EURShow source
Not yet researched: Not available in, Own IBAN / bank details.
Features, wallets & supported assets4/11
- Google Pay
YesShow source
- Physical card
YesShow source
- Virtual card
YesShow source
- ATM withdrawals
YesShow source
Not yet researched: Apple Pay, Spend stablecoins, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody0/3
No security & custody data published or researched yet.
Limits0/2
No limits data published or researched yet.
Product4/7
- Product status
ActiveShow source
- Card type
Prepaid cardConditions apply: tap or hover for detailsShow source
Funded by crypto deposits converted to euros
- Network
VisaShow source
- Custody model
HybridConditions apply: tap or hover for detailsShow source
Crypto stays in your own wallet until deposited; card balance in euros held by the card partner
Not yet researched: Launch date, Card issuer / program manager, Tiers / plans.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year | 20% | 100 |
Cashback & rewards | 20% | 24 |
Availability 29 of 60 tracked countries | 15% | 97 |
FX & international | 10% | No data — excluded |
Product features 4 of 4 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security Custody model: hybrid | 10% | 70 |
Credit & financing No credit line | 5% | 30 |
Limits & ATM | 5% | No data — excluded |
Transparency 5 of 5 checked key terms disclosed | 5% | 100 |
Data coverage 85%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does Bitrefill Card have an annual or monthly fee?
Base tier: Free. Source: Bitrefill Card features.
How much cashback does Bitrefill Card pay?
Base rate: 1% (On purchases; plus 1% on crypto deposits; paid as Bitrefill store credit). Highest advertised rate: 2% (1% on crypto deposits plus 1% on purchases). Paid in EUR store credit on Bitrefill.
Is Bitrefill Card a credit card?
No. It is a prepaid card (funded by crypto deposits converted to euros); you spend your own balance.
Where is Bitrefill Card available?
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, Iceland (Not for US or Russian citizens regardless of residency).
Is Bitrefill Card self-custodial?
Hybrid (Crypto stays in your own wallet until deposited; card balance in euros held by the card partner).
Does Bitrefill Card work with Apple Pay and Google Pay?
Apple Pay: no data. Google Pay: Yes.
Change history21 entries
- Product status recorded · 22 October 2026 · auto-approved
- Card type recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Custody model recorded · 22 October 2026 · auto-approved
- Monthly fee recorded · 22 October 2026 · auto-approved
- Virtual card fee recorded · 22 October 2026 · auto-approved
- Physical card fee recorded · 22 October 2026 · auto-approved
- Transfer fee recorded · 22 October 2026 · auto-approved
- Base cashback recorded · 22 October 2026 · auto-approved
- Max cashback recorded · 22 October 2026 · auto-approved
- Cashback paid in recorded · 22 October 2026 · auto-approved
- Cashback type recorded · 22 October 2026 · auto-approved
- Cashback conditions recorded · 22 October 2026 · auto-approved
- Reward exclusions recorded · 22 October 2026 · auto-approved
- Credit line recorded · 22 October 2026 · auto-approved
- Available in recorded · 22 October 2026 · auto-approved
- Account / spend currencies recorded · 22 October 2026 · auto-approved
- Google Pay recorded · 22 October 2026 · auto-approved
- Virtual card recorded · 22 October 2026 · auto-approved
- Physical card recorded · 22 October 2026 · auto-approved
- ATM withdrawals recorded · 22 October 2026 · auto-approved