Coin98 Fusion Card vs Kite Card
Crypto native
Crypto native
Verdict
- Coin98 Fusion Card and Kite Card have the same overall score (6.0/10).
- Coin98 Fusion Card is clearly stronger on: Availability.
- Kite 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.
Coin98 Fusion Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Availability
Kite Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Fees
★ 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 | Coin98 Fusion Card | Kite Card |
|---|---|---|
| Fees | 86 | 100 |
| Cashback & rewards | – | – |
| Availability | 40 | 27 |
| FX & international | – | 28 |
| Product features | 56 | 53 |
| Custody & security | – | 80 |
| Credit & financing | – | – |
| Limits & ATM | 65 | – |
| Transparency | 100 | 100 |
| Best for Travel | 6.2 | 5.0 |
| Best for Self-Custody | n/a | 7.2 |
| Best for DeFi Users | n/a | 6.8 |
| Best for Stablecoins | n/a | 6.8 |
| Best for Low Fees | 7.8 | 7.5 |
| Best for Beginners | 6.7 | 7.0 |
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
Network
VisaShow source
VisaShow source
Custody model
Self-custodyShow source
Card issuer / program manager
DCSConditions apply: tap or hover for detailsShow source
Service provider handling card matters; Coin98 acts as communication bridge
Fees
Annual fee
FreeShow source
FreeShow source
Monthly fee
FreeShow source
Virtual card fee
$9Conditions apply: tap or hover for detailsShow source
One-time activation
FreeShow source
Replacement fee
FreeShow source
FX fee
1.8%Show source
Crypto conversion fee
0%Show source
Top-up fee
1%Conditions apply: tap or hover for detailsShow source
Charged by Coin98 and the service provider (DCS) on each top-up
ATM fee
1% (min. SGD 5)Conditions apply: tap or hover for detailsShow source
1% or SGD 5, whichever is higher, per transaction
Other fees & markups
One-time card issuance fee (amount not stated on page); no annual feeShow source
Cashback & rewards
Cashback conditions
Time-limited merchant offers of 5% back (Travala, Grab, streaming, AI tools, Starlink etc.) · $5 per card referral when friend spends $50+ within 30 daysConditions apply: tap or hover for detailsShow source
promotions valid through 30 Nov 2026; not permanent
Availability
Available in
Asia-PacificConditions apply: tap or hover for detailsShow source
Currently available to residents in the APAC region
Australia, Japan, Malaysia, Philippines, Singapore, South Korea, TW, Thailand, VietnamConditions apply: tap or hover for detailsShow source
Cards issued in nine markets
Account / spend currencies
USDC · USDTShow source
USDShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
NoConditions apply: tap or hover for detailsShow source
Coming soon
NoConditions apply: tap or hover for detailsShow source
Coming soon
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Limits
ATM limit
SGD 10,000Conditions apply: tap or hover for detailsShow source
Per day; up to SGD 100,000 per month
Spending limit
SGD 200,000Conditions apply: tap or hover for detailsShow source
12-month rolling limit; higher limit on request
Annual cost at 1,500 EUR/month
Coin98 Fusion Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs−42 EUR
- Cashbackunknown
- Net annual valuenot enough data
Kite Card
- Annual & monthly fees+0 EUR
- FX costs−65 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers