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kardpay Card vs Wirex Card

kardpay Card

Crypto native

6.4
Get the card
Wirex Card

Crypto native

6.4
Get the card

Verdict

  • kardpay Card and Wirex Card have the same overall score (6.4/10).
  • Wirex 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

Wirex Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

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 CashWirex Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

Criterionkardpay CardWirex Card
Fees59100
Cashback & rewards–26
Availability100–
FX & international–100
Product features7070
Custody & security––
Credit & financing–30
Limits & ATM–64
Transparency10093
Best for Cashbackn/a5.2
Best for Traveln/a7.9
Best for DeFi Usersn/a5.6
Best for Stablecoinsn/a7.4
Best for High Spendersn/a5.8
Best for Low Fees6.29.4
Best for Beginners7.47.1

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
Debit cardShow source

Network

Visa / MastercardShow source
Visa / MastercardConditions apply: tap or hover for detailsShow source

Visa or Mastercard depending on region

Card issuer / program manager

KRDPAY FZE LLC (UAE); network issuer not disclosedShow source
No data yet

Tiers / plans

Core · Pro · Elite · Physical EliteShow source
Standard · Premium · EliteConditions apply: tap or hover for detailsShow source

Each plan has Entry tier plus WXT-lock boost tiers (Enhanced/Ultimate)

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

FreeConditions apply: tap or hover for detailsShow source

No annual card fee; paid X-tras plans are billed monthly

Monthly fee

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

Standard plan free; Premium €9.99/month or €102/year; Elite €29.99/month or €306/year

Physical card fee

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

Card issuance free in all regions; delivery fee separate (EEA: 5 EUR untracked, 15 EUR DHL Express)

FX fee

No data yet
0%Conditions apply: tap or hover for detailsShow source

As stated on this help article

Top-up fee

4%Conditions apply: tap or hover for detailsShow source

Appendix 1 states 4%; Article 8 states tiered 5, 4, 3% (contradictory)

FreeConditions apply: tap or hover for detailsShow source

SEPA (EUR) bank transfer deposit free; local card funding 0% or more depending on currency/country

ATM fee

No data yet
2%Conditions apply: tap or hover for detailsShow source

EEA: after 200 EUR free monthly

Free ATM allowance

No data yet
€200/monthConditions apply: tap or hover for detailsShow source

EEA, per month

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
Card delivery fee in EEA: 5 EUR (DHL WorldMail, untracked) or 15 EUR (DHL Express) · Crypto transfers to external wallets: variable network-based fees · Local card top-up: 0% or more depending on currency and country · One-off GBP 30 administrative fee on account closure for Terms of Service violationsShow source

Cashback & rewards

Base cashback

No data yet
0.5%Conditions apply: tap or hover for detailsShow source

Standard plan, Entry tier

Max cashback

No data yet
8%Conditions apply: tap or hover for detailsShow source

Elite plan (€29.99/month) at the Ultimate WXT-lock tier

Cashback paid in

No data yet
WXTShow source

Cashback type

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

Cryptoback rewards program

Cashback conditions

No data yet
Standard Enhanced 1%: lock 150,000 WXT for 180 days · Premium (€9.99/month): 1% Entry, 2% with 250,000 WXT, 3% with 750,000 WXT locked · Elite (€29.99/month): 4% Entry, 6% with 1,500,000 WXT, 8% with 7,500,000 WXT lockedShow source

Staking / holding required for top rewards

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

Higher tiers require locking WXT for 180 days (e.g. 150,000 WXT for Standard Enhanced)

Staking asset

No data yet
WXTShow source

Reward exclusions

No data yet
Cash withdrawals · TransfersShow source

Credit & financing

Credit line

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

debit card

Availability

Available in

GlobalConditions apply: tap or hover for detailsShow source

180+ countries

No data yet

Account / spend currencies

USDT · USDCShow source
No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
No data yet

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

No data yet

Blockchains

Tron · EthereumShow source
No data yet

Limits

ATM limit

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

Per day, physical Elite card

No data yet

Spending limit

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

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

No data yet

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

Wirex Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+90 EUR
  • Net annual value90 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More kardpay Card comparisons

More Wirex Card comparisons