Bitrefill Card vs OKX Card (EEA)
Crypto native
Crypto native
Verdict
- OKX Card (EEA) scores higher overall (7.9 vs 6.7 out of 10).
- Bitrefill Card is clearly stronger on: Product features.
- OKX Card (EEA) 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.
Bitrefill Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Product features
OKX Card (EEA) is a good fit for
- Stablecoin holders
- 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 | Bitrefill Card | OKX Card (EEA) |
|---|---|---|
| Fees | 100 | 99 |
| Cashback & rewards | 24 | 65 |
| Availability | 97 | 93 |
| FX & international | – | 100 |
| Product features | 70 | 56 |
| Custody & security | 70 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 5.3 | 7.6 |
| Best for Travel | 6.4 | 8.4 |
| Best for DeFi Users | 6.0 | 7.0 |
| Best for Stablecoins | n/a | 8.5 |
| Best for High Spenders | 4.8 | 7.2 |
| Best for Low Fees | 8.0 | 9.2 |
| Best for Beginners | 8.1 | 8.2 |
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
MastercardShow 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
The provider holds the funds
Launch date
2026-01-28Show source
Card issuer / program manager
UAB Monavate (issuer); OKX Europe Limited (program manager)Show source
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
FreeShow source
Physical card fee
FreeShow source
Virtual card fee
FreeShow source
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
No added OKX FX fee
Crypto conversion fee
0.1%Conditions apply: tap or hover for detailsShow source
Market spread converting stablecoins to EUR
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
SEPA withdrawal of the card balance to your bank account
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
2%Conditions apply: tap or hover for detailsShow source
Non-VIP, USDG-funded purchases, capped at €10/month; promotional cashback during the initial launch period
Max cashback
2%Conditions apply: tap or hover for detailsShow source
1% on crypto deposits plus 1% on purchases
10%Conditions apply: tap or hover for detailsShow source
VIP 4+ on OKX, capped at €1,000/month
Cashback paid in
EUR store credit on BitrefillShow source
USDGShow source
Cashback type
FiatConditions apply: tap or hover for detailsShow source
Store credit for gift cards and eSIMs
StablecoinShow source
Max cashback per month
€1,000/monthConditions apply: tap or hover for detailsShow source
Highest cap (VIP 3 and above); regular users EUR 10, VIP1 EUR 300, VIP2 EUR 450
Cashback conditions
No cap per transaction · Cashback never expires · Free 20 GB eSIM each month with deposits over €500Show source
Only purchases where USDG is the active payment currency · Rate and monthly cap depend on OKX VIP levelShow source
Staking / holding required for top rewards
NoConditions apply: tap or hover for detailsShow source
Cashback level depends on OKX VIP level instead
Reward exclusions
Deposits to bank accounts · Cash outs · ATM withdrawalsShow source
USDC payments earn no cashbackShow source
Credit & financing
Credit line
NoShow source
NoShow source
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
European Union, NorwayShow source
Not available in
Iceland, LiechtensteinShow source
Account / spend currencies
EURShow source
EURShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
NoConditions apply: tap or hover for detailsShow source
Currently virtual-only
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Spendable assets
USDC · USDGShow source
Security & custody
Regulation / licences
OKX licensed under MiCA (card itself not a MiCA-licensed product)Show source
Deposit protection
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
OKX Card (EEA)
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+360 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers