Kite Card
Virtual Visa card from Hong Kong's Kite for spending USDC or USDT, converted at checkout and settled in USD. No annual or card fee, 1.8% FX fee; live in Australia, Japan, Malaysia, the Philippines, Singapore and South Korea. Non-custodial wallet software.
Base cashback
Max cashback
Base fee
FreeShow source
FX fee
1.8%Show source
ATM fee
Card fee
FreeShow source
Credit line
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No annual or monthly fee on the base tier
- Self-custody: funds stay in your own wallet
Cons
- FX fee up to 1.8%
- No physical card
Good for
- People who want to keep control of their keys
Not for
- Frequent travellers paying in foreign currencies
Risks to understand
- Self-custody: losing your keys or signing a malicious transaction can mean losing funds.
- Smart-contract and bridge risk applies to on-chain balances.
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to Kite 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
Fees5/15
- Annual fee
FreeShow source
- Virtual card fee
FreeShow source
- Replacement fee
FreeShow source
- FX fee
1.8%Show source
- Crypto conversion fee
0%Show source
Not yet researched: Monthly fee, Physical card fee, Top-up fee, Crypto withdrawal fee, ATM fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee, Other fees & markups.
Cashback & rewards0/14
No cashback & rewards data published or researched yet.
Credit & financing0/11
No credit & financing data published or researched yet.
Supported countries & currencies2/4
- Available in
Australia, Japan, Malaysia, Philippines, Singapore, South KoreaShow source
- Account / spend currencies
USDC · USDTShow source
Not yet researched: Not available in, Own IBAN / bank details.
Features, wallets & supported assets3/11
- Google Pay
YesShow source
- Physical card
NoConditions apply: tap or hover for detailsShow source
Coming soon
- Virtual card
YesShow source
Not yet researched: Apple Pay, ATM withdrawals, 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.
Product3/7
- Product status
ActiveShow source
- Network
VisaShow source
- Custody model
Self-custodyShow source
Not yet researched: Card type, Launch date, Card issuer / program manager, Tiers / plans.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year · Per-transaction costs ≈ 0.00% | 20% | 100 |
Cashback & rewards | 20% | No data — excluded |
Availability 6 of 60 tracked countries | 15% | 20 |
FX & international FX fee 1.8% | 10% | 28 |
Product features 2 of 3 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 47 |
Custody & security Custody model: self custody | 10% | 80 |
Credit & financing | 5% | No data — excluded |
Limits & ATM | 5% | No data — excluded |
Transparency 5 of 5 checked key terms disclosed | 5% | 100 |
Data coverage 70%. 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 Kite Card have an annual or monthly fee?
Base tier: Free. Source: Spend · Kite.
What is the FX fee of Kite Card?
1.8%. Source: Spend · Kite.
Where is Kite Card available?
Australia, Japan, Malaysia, Philippines, Singapore, South Korea.
Is Kite Card self-custodial?
Self-custody.
Does Kite Card work with Apple Pay and Google Pay?
Apple Pay: no data. Google Pay: Yes.
Change history13 entries
- Product status recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Custody model recorded · 22 October 2026 · auto-approved
- Annual fee recorded · 22 October 2026 · auto-approved
- Virtual card fee recorded · 22 October 2026 · auto-approved
- Replacement fee recorded · 22 October 2026 · auto-approved
- FX fee recorded · 22 October 2026 · auto-approved
- Crypto conversion fee recorded · 22 October 2026 · auto-approved
- Available in recorded · 22 October 2026 · auto-approved
- Account / spend currencies recorded · 22 October 2026 · auto-approved
- Virtual card recorded · 22 October 2026 · auto-approved
- Physical card recorded · 22 October 2026 · auto-approved
- Google Pay recorded · 22 October 2026 · auto-approved