Bitget Wallet Card vs wavecard
Crypto native
Crypto native
Verdict
- wavecard scores higher overall (7.8 vs 7.2 out of 10).
- Bitget Wallet Card is clearly stronger on: Fees, Product features.
- wavecard 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.
Bitget Wallet Card is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
Stronger on: Fees, Product features
wavecard is a good fit for
- Everyday spenders who want cashback
- Frequent travellers
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 | Bitget Wallet Card | wavecard |
|---|---|---|
| Fees | 100 | 87 |
| Cashback & rewards | 44 | 75 |
| Availability | 100 | 100 |
| FX & international | – | 100 |
| Product features | 70 | 56 |
| Custody & security | 60 | 60 |
| Credit & financing | – | – |
| Limits & ATM | – | 20 |
| Transparency | 100 | 100 |
| Best for Cashback | 6.4 | 7.7 |
| Best for Travel | 6.6 | 7.9 |
| Best for DeFi Users | 6.4 | 6.9 |
| Best for Stablecoins | 7.0 | n/a |
| Best for High Spenders | 5.9 | 7.3 |
| Best for Low Fees | 8.0 | 8.2 |
| Best for Beginners | 8.3 | 8.0 |
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
Debit cardShow source
Network
Visa / MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
CustodialConditions apply: tap or hover for detailsShow source
Card funded from the user's Wave Space Crypto account held via partner Lightspark
Card issuer / program manager
Bitget WalletConditions apply: tap or hover for detailsShow source
Card issuing partners vary by region
Lightspark Payments Europe AS (partner for financial services); Wave Space acts as distributorConditions apply: tap or hover for detailsShow source
Card issued via white-label arrangement with a third-party provider
Fees
Annual fee
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Page states no monthly card fee without a currency
FreeShow source
Physical card fee
€29.99Conditions apply: tap or hover for detailsShow source
Tracked delivery free; express delivery €30
Virtual card fee
€2.99Show source
FX fee
0%Show source
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Fee on card payments
ATM fee
€2 + 3%Show source
Other fees & markups
Top-up and currency conversion fees apply; standard fees apply once the monthly assetback allowance is exceededConditions apply: tap or hover for detailsShow source
Page says assetback typically covers most top-up and currency conversion fees; settlement rates closely match Google's live rates
€30 express delivery for physical card · Network withdrawal fees on crypto withdrawals (may differ from actual network fee) · Possible maintenance fee for accounts inactive 365 daysShow source
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow source
Base assetback for all cardholders, within a monthly allowance
3%Conditions apply: tap or hover for detailsShow source
Up to 21,000 sats in total
Max cashback
3%Conditions apply: tap or hover for detailsShow source
New users or after reaching the monthly spending threshold
Cashback paid in
BTC, gold, US stocks (NVIDIA, Google, Tesla, S&P 500) or USDC (user's choice)Conditions apply: tap or hover for detailsShow source
One reward asset, changeable once per calendar month
BTCShow source
Cashback type
CryptoShow source
Cashback conditions
3% after reaching $200–$400 in monthly spending (or as a new user) · Reward asset can be changed once per calendar month by 23:59 (UTC+8) on the last day of the monthConditions apply: tap or hover for detailsShow source
Upgrade conditions and reward limits per rules shown on the card page in the app
Reward exclusions
Certain restricted merchant category codes (MCCs) · Refunded, reversed, or cancelled transactionsShow source
Availability
Available in
EEA, United Kingdom, Argentina, Brazil, Chile, Colombia, EC, SV, GT, Mexico, PA, Peru, South Korea, Japan, Vietnam, Malaysia, CN, TW, Australia, Thailand, Philippines, South Africa, PK, BDConditions apply: tap or hover for detailsShow source
EEA and UK; 10 Latin American markets; South Korea, Japan, Vietnam, Malaysia, mainland China, Taiwan, Australia, Thailand, Philippines; South Africa; Pakistan, Bangladesh. More regions opening soon
EEAConditions apply: tap or hover for detailsShow source
Residents 18+
Own IBAN / bank details
YesShow source
Features
Apple Pay
YesShow source
NoConditions apply: tap or hover for detailsShow source
Only via the Curve app; direct Apple Pay support coming soon
Google Pay
YesShow source
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Only in South Korea, Japan, Vietnam, Malaysia, Taiwan, Australia, Thailand and the Philippines; more regions rolling out
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Spendable assets
USDT · USDC · ETH · SOLShow source
BTCConditions apply: tap or hover for detailsShow source
Bitcoin-only
Blockchains
Bitcoin · LightningShow source
Limits
ATM limit
€350Conditions apply: tap or hover for detailsShow source
Daily; monthly €3,000
Spending limit
€10,000Conditions apply: tap or hover for detailsShow source
Daily and monthly; monthly up to €15,000 with Tier 2 KYC
Annual cost at 1,500 EUR/month
Bitget Wallet Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+360 EUR
- Net annual valuenot enough data
wavecard
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−60 EUR
- Cashback+540 EUR
- Net annual value480 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers