Cryptomus Virtual Card vs OrbitX Card
Crypto native
Crypto native
Verdict
- OrbitX Card scores higher overall (5.8 vs 5.7 out of 10).
- OrbitX Card is clearly stronger on: Fees, Product features, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Cryptomus Virtual Card is a good fit for
- No specific audience can be derived from the published data yet.
OrbitX Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Fees, Product features, Custody & security
★ 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 | Cryptomus Virtual Card | OrbitX Card |
|---|---|---|
| Fees | 39 | 69 |
| Cashback & rewards | – | – |
| Availability | 100 | – |
| FX & international | – | 20 |
| Product features | 35 | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | – | – |
| Limits & ATM | – | 42 |
| Transparency | 100 | 100 |
| Best for Travel | n/a | 4.6 |
| Best for Self-Custody | n/a | 6.8 |
| Best for DeFi Users | 5.2 | 6.5 |
| Best for Stablecoins | n/a | 6.0 |
| Best for High Spenders | n/a | 5.1 |
| Best for Low Fees | 5.2 | 5.8 |
| Best for Beginners | 6.2 | 7.2 |
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 cardShow source
Stablecoin cardShow source
Network
Visa / MastercardShow source
VisaShow source
Custody model
CustodialShow source
Self-custodyShow source
Tiers / plans
Neo · LuxShow source
Fees
Annual fee
$12/yearConditions apply: tap or hover for detailsShow source
Neo; Lux $30/year
Physical card fee
$100Conditions apply: tap or hover for detailsShow source
Neo plastic card; Lux metal card $350 / included
Virtual card fee
$4Show source
Replacement fee
$100Conditions apply: tap or hover for detailsShow source
Neo $100; Lux $199 (table columns)
FX fee
2%Conditions apply: tap or hover for detailsShow source
Up to 2% + up to $0.50, depending on card tier
Top-up fee
3.2%Show source
1%Conditions apply: tap or hover for detailsShow source
up to 1%
Crypto withdrawal fee
$2Conditions apply: tap or hover for detailsShow source
$2.00 both tiers
ATM fee
$2 + 2%Conditions apply: tap or hover for detailsShow source
plus operator's base ATM charges
Free ATM allowance
FreeShow source
Other fees & markups
Transaction or conversion fees during payments (may vary) · Optional maintenance or inactivity fees depending on card typeShow source
Authorization and settlement fees up to $0.50 per USD transaction · Returned payment fee up to $69Show source
Cashback & rewards
Minimum balance
$0Show source
Credit & financing
Credit type
Crypto-backed creditShow source
Collateral assets
Digital assets designated by IssuerShow source
Interest (APR)
0%Conditions apply: tap or hover for detailsShow source
International (non-US) terms
Grace period
Unpaid obligations trigger liquidation after one calendar day; extra grace at discretionShow source
Liquidation risk
YesShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
Most countries; some regions restricted
Account / spend currencies
USDT · USDCConditions apply: tap or hover for detailsShow source
Top-up assets
USDShow source
Own IBAN / bank details
YesShow source
Features
Physical card
NoShow source
YesConditions apply: tap or hover for detailsShow source
Not included; Neo plastic $100, Lux metal
Virtual card
YesShow source
YesShow source
Spend stablecoins
YesShow source
Spendable assets
USDT · USDCShow source
Blockchains
Polygon · BaseConditions apply: tap or hover for detailsShow source
Solana, Tron upcoming
Limits
ATM limit
$500Conditions apply: tap or hover for detailsShow source
Neo; Lux $1,000
Spending limit
$50,000Conditions apply: tap or hover for detailsShow source
Neo per day; Lux unlimited
Annual cost at 1,500 EUR/month
Cryptomus Virtual Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
OrbitX Card
- Annual & monthly fees−11 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs−45 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