Cartão Bipa vs Lemon Card
Crypto enabled
Crypto enabled
Verdict
- Lemon Card scores higher overall (5.0 vs 4.9 out of 10).
- Cartão Bipa is clearly stronger on: Product features.
- Lemon Card is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Cartão Bipa is a good fit for
- Users who need credit rather than a debit/prepaid card
Stronger on: Product features
Lemon Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Cashback & rewards
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
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.
Score by criterion
| Criterion | Cartão Bipa | Lemon Card |
|---|---|---|
| Fees | 86 | 80 |
| Cashback & rewards | 5 | 31 |
| Availability | 3 | 3 |
| FX & international | – | – |
| Product features | 100 | 70 |
| Custody & security | – | – |
| Credit & financing | 60 | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 3.5 | 4.4 |
| Best for Travel | 5.6 | 5.2 |
| Best for High Spenders | 4.5 | 5.0 |
| Best for Low Fees | 8.0 | 7.1 |
| Best for Beginners | 7.1 | 6.2 |
| Best Crypto Credit Card | 6.1 | n/a |
| Best E-Money Card | 7.0 | 6.0 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Credit card, Crypto-backed creditConditions apply: tap or hover for detailsShow source
Credit card with BTC/USDT/BRL collateral; a prepaid mode also exists
Prepaid cardShow source
Network
MastercardShow source
VisaShow source
Tiers / plans
Free · Plus · Pro · MaxShow source
Fees
Monthly fee
R$49.90/monthConditions apply: tap or hover for detailsShow source
Pro plan only; the card itself is free and the Free plan has no monthly fee
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Plus, Pro and Max plans; not available on Free
FreeShow source
Crypto conversion fee
0.5%Conditions apply: tap or hover for detailsShow source
Fee when paying with digital assets (crypto) at the time of purchase
Other fees & markups
Card is free (no card fee stated) · Prepaid mode: normal trading fees apply when BTC/USDT balance is sold to cover spending, deducted at transaction time, varying with amountShow source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Free plan has no Satsback
0.5%Conditions apply: tap or hover for detailsShow source
Paying in Argentine pesos (primary currency ARS); article notes from 1/9 the peso cashback drops to 0.25% (year not stated on page)
Max cashback
1.5%Conditions apply: tap or hover for detailsShow source
Max plan
2%Conditions apply: tap or hover for detailsShow source
"hasta" (up to) 2%
Cashback paid in
BitcoinShow source
BTCShow source
Cashback type
CryptoShow source
CryptoConditions apply: tap or hover for detailsShow source
Bitcoin or prize tickets
Interest on balance
4%Conditions apply: tap or hover for detailsShow source
Variable annual rate on digital pesos/dollars
Max cashback per month
ARS 21,000/monthConditions apply: tap or hover for detailsShow source
Per month, for both peso and crypto purchases; equivalent in BTC
Cashback conditions
Satsback can be redeemed after paying the first invoice and is added to the Bipa balance after redemption · Satsback is proportional to the subscribed planShow source
To pay in pesos the primary currency must be set to ARS with sufficient funds · To get the 2% rate the primary currency must be set to the chosen crypto/digital dollarShow source
Reward exclusions
Crypto purchases · Cofrinho, Booking, insurance and trading fees not counted for monthly fee volumeShow source
Credit & financing
Credit line
YesShow source
Credit type
Crypto-backed creditConditions apply: tap or hover for detailsShow source
Collateral in BTC, USDT or BRL
Collateral assets
BTC · USDT · BRLShow source
Max loan-to-value
80%Conditions apply: tap or hover for detailsShow source
USDT collateral 80%; BTC 50%; BRL 100% of deposit
Repayment
Monthly invoice (fatura mensal); installments up to 12xShow source
Liquidation risk
YesConditions apply: tap or hover for detailsShow source
Collateral partly sold if value drops more than 30%; automatic liquidation on overdue invoice
Spend by borrowing against collateral
YesShow source
Availability
Available in
BrazilShow source
ArgentinaShow source
Account / spend currencies
BRLShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Physical card free on paid plans only
YesShow source
Virtual card
YesShow source
YesShow source
Airport lounge access
YesConditions apply: tap or hover for detailsShow source
Max plan (Cartão Black), Mastercard benefit
Travel / rental car insurance
YesConditions apply: tap or hover for detailsShow source
Pro and Max plans
Purchase protection
YesConditions apply: tap or hover for detailsShow source
Max plan (Cartão Black)
Spendable assets
BTC · USDT · BRLConditions apply: tap or hover for detailsShow source
Used as collateral / prepaid balance
Limits
Spending limit
R$300,000Conditions apply: tap or hover for detailsShow source
Credit limit up to R$ 300,000 on Max plan (R$ 200,000 on Pro), based on collateral
Security & custody
Regulation / licences
PSAV registered No. 162 with Comisión Nacional de Valores (Argentina)Show source
Deposit protection
NoShow source
Annual cost at 1,500 EUR/month
Cartão Bipa
- Annual & monthly fees−99 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+0 EUR
- Net annual valuenot enough data
Lemon Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+90 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers