kardpay Card vs Winity Card
Crypto native
Crypto native
Verdict
- kardpay Card and Winity Card have the same overall score (6.4/10).
- 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
- No specific audience can be derived from the published data yet.
Winity Card is a good fit for
- No specific audience can be derived from the published data yet.
★ 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 | Winity Card |
|---|---|---|
| Fees | 59 | 60 |
| Cashback & rewards | – | – |
| Availability | 100 | 100 |
| FX & international | – | – |
| Product features | 70 | 70 |
| Custody & security | – | – |
| Credit & financing | – | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Low Fees | 6.2 | 6.2 |
| Best for Beginners | 7.4 | 7.5 |
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
Network
Visa / MastercardShow source
VisaShow source
Tiers / plans
Core · Pro · Elite · Physical EliteShow source
Exclusive Virtual · Exclusive Physical · Executive MetalShow 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
$20/yearConditions apply: tap or hover for detailsShow source
Exclusive physical card; virtual free
Crypto conversion fee
5%Conditions apply: tap or hover for detailsShow source
Non-stable assets (ETH, SOL, WCO etc.)
Top-up fee
5%Conditions apply: tap or hover for detailsShow source
Core; Pro and Elite 3%
FreeConditions apply: tap or hover for detailsShow source
USDT and USDC; other assets converted at 5%
Cashback & rewards
Cashback type
PointsShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
180+ countries
GlobalConditions apply: tap or hover for detailsShow source
180+ countries
Account / spend currencies
USDT · USDCShow source
USDShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
YesShow source
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
Spendable assets
USDT · USDC · ETH · SOL · POL · TRX · WCOShow source
Blockchains
Tron · EthereumShow source
Ethereum · Solana · Tron · Polygon · BNB Chain · W ChainShow 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
Annual cost at 1,500 EUR/month
kardpay Card
- Annual & monthly fees−26 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Winity Card
- Annual & monthly fees−18 EUR
- 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