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Bitrefill Card vs KAST

Bitrefill Card

Crypto native

6.7
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KAST

Crypto native

6.0
Get the card

Verdict

  • Bitrefill Card scores higher overall (6.7 vs 6.0 out of 10).
  • Bitrefill Card is clearly stronger on: Custody & security, Transparency.
  • KAST is clearly stronger on: Cashback & rewards, Credit & financing.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bitrefill Card is a good fit for

  • No specific audience can be derived from the published data yet.

Stronger on: Custody & security, Transparency

KAST is a good fit for

  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card

Stronger on: Cashback & rewards, Credit & financing

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesBitrefill Card vs ether.fi CashKAST vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitrefill CardKAST
Fees10099
Cashback & rewards2435
Availability97–
FX & international–30
Product features7070
Custody & security7060
Credit & financing3070
Limits & ATM–33
Transparency10086
Best for Cashback5.35.2
Best for Travel6.45.0
Best for DeFi Users6.06.3
Best for Stablecoinsn/a6.3
Best for High Spenders4.85.2
Best for Low Fees8.07.0
Best for Beginners8.17.2
Best Crypto Credit Cardn/a7.0

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

Prepaid cardConditions apply: tap or hover for detailsShow source

Funded by crypto deposits converted to euros

Stablecoin cardShow source

Network

VisaShow source
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

CustodialConditions apply: tap or hover for detailsShow source

Deposited assets are sold to KAST and held by a custodian on behalf of KAST, not the user

Tiers / plans

No data yet
Standard · Premium · PrivateConditions apply: tap or hover for detailsShow source

Account-level memberships replacing card tiers (announced May 5, 2026)

Fees

Annual fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Standard membership; Premium $1,000/yr, Private $10,000/yr

Monthly fee

FreeShow source
No data yet

Physical card fee

FreeShow source
$40Conditions apply: tap or hover for detailsShow source

Delivery fee; the Standard physical card itself is free

Virtual card fee

FreeShow source
$2Conditions apply: tap or hover for detailsShow source

Certain markets only, Standard tier

FX fee

No data yet
1.75%Conditions apply: tap or hover for detailsShow source

Up to; 0.5%–1.75% on non-USD card spend depending on membership

ATM fee

No data yet
$3 + 2%Conditions apply: tap or hover for detailsShow source

Plus FX fee on non-USD ATMs; operators may add charges

Transfer fee

FreeConditions apply: tap or hover for detailsShow source

SEPA withdrawal of the card balance to your bank account

No data yet

Small transaction fee

No data yet
$0.10Conditions apply: tap or hover for detailsShow source

Non-USD transactions under $25

Other fees & markups

No data yet
Monthly inactivity fee of $1 on dormant accounts (12 months without transaction activity) · Possible reactivation fee after 6 months of inactivity · Possible card renewal fee (specified in app) · Non-refundable chargeback/dispute processing feesShow source

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

On purchases; plus 1% on crypto deposits; paid as Bitrefill store credit

1.5%Conditions apply: tap or hover for detailsShow source

Standard membership, first $2,000 of spend per month

Max cashback

2%Conditions apply: tap or hover for detailsShow source

1% on crypto deposits plus 1% on purchases

3%Conditions apply: tap or hover for detailsShow source

Private membership ($10,000/yr), first $40,000 per month; plus 2% in KAST Points

Cashback paid in

EUR store credit on BitrefillShow source
USDShow source

Cashback type

FiatConditions apply: tap or hover for detailsShow source

Store credit for gift cards and eSIMs

No data yet

Cashback-eligible spend cap

No data yet
$2,000/monthConditions apply: tap or hover for detailsShow source

Standard; Premium $10,000, Private $40,000 per month

Cashback conditions

No cap per transaction · Cashback never expires · Free 20 GB eSIM each month with deposits over €500Show source
Premium adds 1% and Private 2% in KAST Points on all spend · Subject to eligibility, caps and regional availabilityShow source

Reward expiry / vesting

No data yet
Accrued unused benefits/rewards are forfeited when the membership expires or is terminatedShow source

Reward exclusions

Deposits to bank accounts · Cash outs · ATM withdrawalsShow source
Some merchant categories excludedShow source

Credit & financing

Credit line

NoShow source
YesConditions apply: tap or hover for detailsShow source

Card described as a credit card secured by deposited virtual assets

Availability

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

No data yet

Account / spend currencies

EURShow source
No data yet

Features

Apple Pay

No data yet
YesConditions apply: tap or hover for detailsShow source

Region-dependent

Google Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

Region-dependent

Physical card

YesShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

No data yet
YesShow source

Spendable assets

No data yet
USDT · USDCConditions apply: tap or hover for detailsShow source

Acceptable Tokens for deposit

Blockchains

No data yet
Ethereum · Solana · Polygon · Arbitrum · TRONConditions apply: tap or hover for detailsShow source

Deposit networks for USDT/USDC; list not exhaustive, varies by coin

Limits

ATM limit

No data yet
$750Conditions apply: tap or hover for detailsShow source

$250 per withdrawal incl. fees, max 3 withdrawals per rolling 24h

Security & custody

Deposit protection

No data yet
NoShow source

Annual cost at 1,500 EUR/month

Bitrefill Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+180 EUR
  • Net annual valuenot enough data

KAST

  • Annual & monthly fees+0 EUR
  • FX costs−63 EUR
  • Crypto conversion–
  • ATM costs−56 EUR
  • Cashback+270 EUR
  • Net annual value151 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Bitrefill Card comparisons

More KAST comparisons