kardpay Card vs MP Card
Crypto native
Crypto native
Verdict
- kardpay Card and MP Card have the same overall score (6.3/10).
- kardpay Card is clearly stronger on: Product features.
- MP 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
MP 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:
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 | kardpay Card | MP Card |
|---|---|---|
| Fees | 56 | 100 |
| Cashback & rewards | – | – |
| Availability | 100 | – |
| FX & international | – | – |
| Product features | 70 | 58 |
| Custody & security | – | 60 |
| Credit & financing | – | – |
| Limits & ATM | – | 20 |
| Transparency | 100 | 100 |
| Best for DeFi Users | n/a | 6.4 |
| Best for Stablecoins | n/a | 7.0 |
| Best for Low Fees | 6.0 | 7.6 |
| Best for Beginners | 7.4 | 7.3 |
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
ActiveConditions apply: tap or hover for detailsShow source
Help article describing current application flow
Card type
Prepaid cardShow source
Stablecoin cardShow source
Network
Visa / MastercardShow source
VisaConditions apply: tap or hover for detailsShow source
Cloud Card
Custody model
CustodialShow source
Card issuer / program manager
KRDPAY FZE LLC (UAE); network issuer not disclosedShow source
Tiers / plans
Core · Pro · Elite · Physical EliteShow source
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
Monthly fee
$2.42/monthConditions apply: tap or hover for detailsShow source
Core plan, price per month but billed annually in a single payment
Top-up fee
5%Conditions apply: tap or hover for detailsShow source
Core plan; Pro, Elite and Physical Elite 3%
FreeConditions apply: tap or hover for detailsShow source
No currency given for the zero fee
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
Handling fee 0.80% on consumption · Card opening fee 10 USDT (cancellation 3 USDT) · 3D Secure verification fee $0.03 per attempt · Auth/Verify fee: first 10 free per account per month, then $1 per transaction · Chargeback fee 0.80 USD per transaction (first 5 free per month) · FX/cross-border: pass-through of Visa/issuer rules; all-in about 1% USD spend, 1.8%-2.2% non-USD (stated guide only)Conditions apply: tap or hover for detailsShow source
Cloud Card; amounts in USDT not recorded as USD
Cashback & rewards
Interest on balance
0%Conditions apply: tap or hover for detailsShow source
Balance does not bear interest
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
180+ countries
Account / spend currencies
USDT · USDCShow source
USDConditions apply: tap or hover for detailsShow source
Cloud Card settlement currency
Features
Apple Pay
YesShow source
YesConditions apply: tap or hover for detailsShow source
Cloud Card
Google Pay
YesShow source
YesConditions apply: tap or hover for detailsShow source
Cloud 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
NoConditions apply: tap or hover for detailsShow source
Cloud Card
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
USDTShow source
Blockchains
TRC-20 · ERC-20Show source
Limits
ATM limit
$1,500Conditions apply: tap or hover for detailsShow source
Per day, physical Elite card
Spending limit
$10,000Conditions apply: tap or hover for detailsShow source
Per year on Core; Pro $50,000/year, Elite $500,000/month
$100,000Conditions apply: tap or hover for detailsShow source
Single-transaction product upper limit; also 50 purchases/day, $250,000 daily, $1,000,000 monthly, $2,000,000 annual; actual limits per app
Security & custody
Deposit protection
NoShow 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
MP Card
- Annual & monthly feesunknown
- FX costsunknown
- 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