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kardpay Card vs Keytom Card

kardpay Card

Crypto native

6.3
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Keytom Card

Crypto native

6.3
Get the card

Verdict

  • kardpay Card and Keytom Card have the same overall score (6.3/10).
  • kardpay Card is clearly stronger on: Product features.
  • Keytom 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.

kardpay Card is a good fit for

  • Stablecoin holders

Stronger on: Product features

Keytom Card is a good fit for

  • Stablecoin holders

Stronger on: Fees

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourceskardpay Card vs ether.fi CashKeytom Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

Criterionkardpay CardKeytom Card
Fees5671
Cashback & rewards––
Availability100100
FX & international–6
Product features7058
Custody & security–75
Credit & financing–30
Limits & ATM–60
Transparency100100
Best for Cashbackn/a6.1
Best for Traveln/a4.8
Best for DeFi Usersn/a5.9
Best for Stablecoinsn/a5.6
Best for High Spendersn/a4.9
Best for Low Fees6.05.8
Best for Beginners7.47.6

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 cardShow source
Prepaid cardConditions apply: tap or hover for detailsShow source

credit BIN but spends own balance (not a loan)

Network

Visa / MastercardShow source
VisaShow source

Custody model

No data yet
CustodialConditions apply: tap or hover for detailsShow source

inferred from insured crypto custody via Fireblocks

Card issuer / program manager

KRDPAY FZE LLC (UAE); network issuer not disclosedShow source
KEYTOM SERVICES LTD (operator)Conditions apply: tap or hover for detailsShow source

card issuer not named

Tiers / plans

Core · Pro · Elite · Physical EliteShow source
No data yet

Fees

Annual fee

$29.04/yearConditions apply: tap or hover for detailsShow source

Core, $2.42/month billed annually; Pro $8.25/month, Elite $16.58/month, physical Elite $24.92/month

No data yet

Monthly fee

$2.42/monthConditions apply: tap or hover for detailsShow source

Core plan, price per month but billed annually in a single payment

$10/monthConditions apply: tap or hover for detailsShow source

per card; $20 with both cards; charged only while balance covers it

Physical card fee

No data yet
$50Conditions apply: tap or hover for detailsShow source

delivery fee

Virtual card fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Free to open

FX fee

No data yet
2.35%Conditions apply: tap or hover for detailsShow source

Total fee on non-USD card payments, min 0.66 USDC

Crypto conversion fee

No data yet
1.5%Conditions apply: tap or hover for detailsShow source

EUR <-> crypto, personal accounts

Top-up fee

5%Conditions apply: tap or hover for detailsShow source

Core plan; Pro, Elite and Physical Elite 3%

No data yet

Crypto withdrawal fee

No data yet
0.1%Conditions apply: tap or hover for detailsShow source

plus network fee; personal accounts

ATM fee

No data yet
2% (min. $0.66)Conditions apply: tap or hover for detailsShow source

2% in USD, 3.35% in other currencies; physical card; operator fees may apply

Transfer fee

No data yet
€0.25 + 1% (min. €2.75)Conditions apply: tap or hover for detailsShow source

sending SEPA, personal; receiving 0.5% + €0.25 (min €2.75)

Small transaction fee

No data yet
1% (min. $0.66)Conditions apply: tap or hover for detailsShow source

payment fee on every purchase: 1% USD, 2.35% other currencies, min $0.66; not refunded on refunds

Other fees & markups

Authorization fee per transaction attempt (also declined): USD 0.25 per definitions/Appendix 1, USD 0.50 per Article 8 · Chargeback fee USD 30 per case · Virtual card issuance: amount of 28 (currency not stated) · Recovery of misdirected funds: 20% (USD 100-500) or 5% (over USD 500) plus network fees · No interest on balancesShow source
Separate currency conversion fee per Fee Schedule when card linked to account in different currency · Possible account closure or inactivity fees per Fee ScheduleShow source

Cashback & rewards

Reward exclusions

No data yet
fuel pumps · gamblingConditions apply: tap or hover for detailsShow source

categories not supported for card use

Credit & financing

Credit line

No data yet
NoConditions apply: tap or hover for detailsShow source

Credit BIN but spends own balance

Availability

Available in

GlobalConditions apply: tap or hover for detailsShow source

180+ countries

GlobalConditions apply: tap or hover for detailsShow source

Residents of 150+ countries

Account / spend currencies

USDT · USDCShow source
USDConditions apply: tap or hover for detailsShow source

Card denominated in USD, spends from USDC balance

Own IBAN / bank details

No data yet
YesShow source

Features

Apple Pay

YesShow source
NoConditions apply: tap or hover for detailsShow source

Not available yet

Google Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

Virtual card

Physical card

YesShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Physical Elite card

YesShow source

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

top-up in USDT/USDC

YesShow source

Spendable assets

USDT · USDCConditions apply: tap or hover for detailsShow source

top-ups only

USDCConditions apply: tap or hover for detailsShow source

card spends from USDC balance; top up via EUR or crypto conversion

Blockchains

TRC-20 · ERC-20Show source
No data yet

Limits

ATM limit

$1,500Conditions apply: tap or hover for detailsShow source

Per day, physical Elite card

$3,000Conditions apply: tap or hover for detailsShow source

Per day; $10,000 per month

Spending limit

$10,000Conditions apply: tap or hover for detailsShow source

Per year on Core; Pro $50,000/year, Elite $500,000/month

$150,000Conditions apply: tap or hover for detailsShow source

Per transaction

Security & custody

Regulation / licences

No data yet
MSB registered in CanadaShow source

Annual cost at 1,500 EUR/month

kardpay Card

  • Annual & monthly fees−52 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

Keytom Card

  • Annual & monthly fees−107 EUR
  • FX costs−85 EUR
  • Crypto conversion–
  • ATM costs−24 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

More kardpay Card comparisons

More Keytom Card comparisons