Bitrefill Card vs Winity Card
Crypto native
Crypto native
Verdict
- Bitrefill Card and Winity Card have the same overall score (6.7/10).
- Bitrefill Card is clearly stronger on: Fees.
- 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: Fees
Winity Card is a good fit for
- No specific audience can be derived from the published data yet.
★ 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 | Winity Card |
|---|---|---|
| Fees | 100 | 68 |
| Cashback & rewards | 24 | – |
| Availability | 97 | 100 |
| FX & international | – | – |
| Product features | 70 | 70 |
| Custody & security | 70 | – |
| Credit & financing | 30 | – |
| Limits & ATM | – | 73 |
| Transparency | 100 | 100 |
| Best for Cashback | 5.3 | n/a |
| Best for Travel | 6.4 | 6.6 |
| Best for DeFi Users | 6.0 | n/a |
| Best for High Spenders | 4.8 | n/a |
| Best for Low Fees | 8.0 | 6.9 |
| Best for Beginners | 8.1 | 7.6 |
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
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
Tiers / plans
Exclusive · ExecutiveShow source
Fees
Annual fee
$20/yearConditions apply: tap or hover for detailsShow source
Exclusive physical card; virtual free
Monthly fee
FreeShow source
Physical card fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
Issuance; shipping charges may apply
Virtual card fee
FreeShow source
FreeShow source
Crypto conversion fee
5%Conditions apply: tap or hover for detailsShow source
Non-stable assets (ETH, SOL, WCO etc.)
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
USDT and USDC; other assets converted at 5%
ATM fee
$3Conditions apply: tap or hover for detailsShow source
per withdrawal
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
SEPA withdrawal of the card balance to your bank account
Small transaction fee
$0.10Conditions apply: tap or hover for detailsShow source
transactions below USD 25
Other fees & markups
Chargeback fee USD 100 · PIN change at ATM USD 5Show 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
Max cashback
2%Conditions apply: tap or hover for detailsShow source
1% on crypto deposits plus 1% on purchases
Cashback paid in
EUR store credit on BitrefillShow source
Cashback type
FiatConditions apply: tap or hover for detailsShow source
Store credit for gift cards and eSIMs
PointsShow source
Cashback conditions
No cap per transaction · Cashback never expires · Free 20 GB eSIM each month with deposits over €500Show source
Minimum balance
$25Conditions apply: tap or hover for detailsShow source
required to complete card transactions
Reward exclusions
Deposits to bank accounts · Cash outs · ATM withdrawalsShow source
Credit & financing
Credit line
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
GlobalConditions apply: tap or hover for detailsShow source
180+ countries
Account / spend currencies
EURShow source
USDShow source
Features
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
YesShow source
Spendable assets
USDT · USDC · WCO · ETH · BSC · POL · Tron · SOLConditions apply: tap or hover for detailsShow source
non-stable assets 5% conversion
Blockchains
Ethereum · W Chain · Polygon · Tron · Solana · Binance Smart ChainShow 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
Winity Card
- Annual & monthly fees−18 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs−32 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers