Elios Card vs OrbitX Card
Crypto native
Crypto native
Verdict
- Elios Card and OrbitX Card have the same overall score (5.8/10).
- Elios Card is clearly stronger on: Fees, FX & international.
- OrbitX Card is clearly stronger on: Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Elios Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Fees, FX & international
OrbitX Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: 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 | Elios Card | OrbitX Card |
|---|---|---|
| Fees | 100 | 69 |
| Cashback & rewards | 12 | – |
| Availability | – | – |
| FX & international | 60 | 20 |
| Product features | – | 70 |
| Custody & security | 70 | 80 |
| Credit & financing | – | – |
| Limits & ATM | – | 42 |
| Transparency | 100 | 100 |
| Best for Cashback | 4.3 | n/a |
| Best for Travel | 6.0 | 4.6 |
| Best for Self-Custody | 6.4 | 6.8 |
| Best for DeFi Users | 5.9 | 6.5 |
| Best for Stablecoins | 6.5 | 6.0 |
| Best for High Spenders | 4.6 | 5.1 |
| Best for Low Fees | 8.3 | 5.8 |
| Best for Beginners | 6.8 | 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
Debit cardShow source
Stablecoin cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyShow 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
Replacement fee
$100Conditions apply: tap or hover for detailsShow source
Neo $100; Lux $199 (table columns)
FX fee
1%Conditions apply: tap or hover for detailsShow source
Up to 1% Visa international transaction fee when paying in a currency other than US dollars; converted at Visa network rate; Elios adds nothing
2%Conditions apply: tap or hover for detailsShow source
Up to 2% + up to $0.50, depending on card tier
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Elios charges nothing for deposits; network gas fee paid to the network
1%Conditions apply: tap or hover for detailsShow source
up to 1%
Crypto withdrawal fee
FreeConditions apply: tap or hover for detailsShow source
Elios charges nothing; transfers on Hyperliquid free; Elios covers bridge fees
$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
Third-party network gas fee when depositing USDC · Merchants or ATM operators may apply their own chargesConditions apply: tap or hover for detailsShow source
Elios itself charges nothing for deposits, withdrawals, or transfers
Authorization and settlement fees up to $0.50 per USD transaction · Returned payment fee up to $69Show source
Cashback & rewards
Max cashback
3%Conditions apply: tap or hover for detailsShow source
Promotion through 31 October on up to $5k of spending
Cashback-eligible spend cap
$5,000/monthConditions apply: tap or hover for detailsShow source
Eligible spending for the promotion
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
Not available in
BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, SY, Turkey, Ukraine, VE, VietnamConditions apply: tap or hover for detailsShow source
Cards cannot be issued to cardholders residing or registered in these countries (CN = mainland China only); card use additionally prohibited in CU, IR, KP, RU, SY, UA, VE; FATF grey list countries need case-by-case approval
Account / spend currencies
USDShow source
Own IBAN / bank details
YesShow source
Features
Physical card
YesConditions apply: tap or hover for detailsShow source
Not included; Neo plastic $100, Lux metal
Virtual card
YesShow source
Spend stablecoins
YesShow source
YesShow source
Spendable assets
USDCShow source
USDT · USDCShow source
Blockchains
HyperEVMShow source
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
Security & custody
Smart-contract risk
YesShow source
Annual cost at 1,500 EUR/month
Elios Card
- Annual & monthly feesunknown
- FX costs−36 EUR
- 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