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KAST vs SafePal Mastercard

KAST

Crypto native

6.0
Get the card
SafePal Mastercard

Crypto native

6.5
Get the card

Verdict

  • SafePal Mastercard scores higher overall (6.5 vs 6.0 out of 10).
  • KAST is clearly stronger on: Credit & financing.
  • SafePal Mastercard is clearly stronger on: FX & international, Transparency.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

KAST is a good fit for

  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card

Stronger on: Credit & financing

SafePal Mastercard is a good fit for

  • Stablecoin holders

Stronger on: FX & international, Transparency

★ 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 & sourcesKAST vs ether.fi CashSafePal Mastercard vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionKASTSafePal Mastercard
Fees99100
Cashback & rewards35–
Availability––
FX & international3060
Product features7070
Custody & security60–
Credit & financing7030
Limits & ATM33–
Transparency86100
Best for Cashback5.2n/a
Best for Travel5.06.6
Best for DeFi Users6.36.0
Best for Stablecoins6.37.2
Best for High Spenders5.26.1
Best for Low Fees7.08.3
Best for Beginners7.27.5
Best Crypto Credit Card7.0n/a

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

Stablecoin cardShow source
Debit cardShow source

Network

VisaShow source
MastercardShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Deposited assets are sold to KAST and held by a custodian on behalf of KAST, not the user

No data yet

Card issuer / program manager

No data yet
Fiat24 (Swiss IBAN account and fiat gateway; compliance and licensing)Conditions apply: tap or hover for detailsShow source

Offered in collaboration with SafePal; the page does not name the card issuer separately

Tiers / plans

Standard · Premium · PrivateConditions apply: tap or hover for detailsShow source

Account-level memberships replacing card tiers (announced May 5, 2026)

No data yet

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Standard membership; Premium $1,000/yr, Private $10,000/yr

FreeShow source

Monthly fee

No data yet
FreeShow source

Physical card fee

$40Conditions apply: tap or hover for detailsShow source

Delivery fee; the Standard physical card itself is free

No data yet

Virtual card fee

$2Conditions apply: tap or hover for detailsShow source

Certain markets only, Standard tier

No data yet

FX fee

1.75%Conditions apply: tap or hover for detailsShow source

Up to; 0.5%–1.75% on non-USD card spend depending on membership

1%Conditions apply: tap or hover for detailsShow source

Card payments settled in non-USD currencies

Top-up fee

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

Standard deposit/top-up fee; crypto swaps carry a spread and gas fees

ATM fee

$3 + 2%Conditions apply: tap or hover for detailsShow source

Plus FX fee on non-USD ATMs; operators may add charges

No data yet

Transfer fee

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

Transfers to external banks; other banks may charge

Small transaction fee

$0.10Conditions apply: tap or hover for detailsShow source

Non-USD transactions under $25

No data yet

Other fees & markups

Monthly inactivity fee of $1 on dormant accounts (12 months without transaction activity) · Possible reactivation fee after 6 months of inactivity · Possible card renewal fee (specified in app) · Non-refundable chargeback/dispute processing feesShow source
Refund processing fee 1 USD / 1 EUR / 1 CHF / 7 CNH per refund, depending on payment currency · Gas fees on blockchain transactionsConditions apply: tap or hover for detailsShow source

Gas fees: the page states all financial transactions are conducted on the blockchain, which will result in gas fees

Cashback & rewards

Base cashback

1.5%Conditions apply: tap or hover for detailsShow source

Standard membership, first $2,000 of spend per month

No data yet

Max cashback

3%Conditions apply: tap or hover for detailsShow source

Private membership ($10,000/yr), first $40,000 per month; plus 2% in KAST Points

No data yet

Cashback paid in

USDShow source
No data yet

Cashback-eligible spend cap

$2,000/monthConditions apply: tap or hover for detailsShow source

Standard; Premium $10,000, Private $40,000 per month

No data yet

Cashback conditions

Premium adds 1% and Private 2% in KAST Points on all spend · Subject to eligibility, caps and regional availabilityShow source
No data yet

Reward expiry / vesting

Accrued unused benefits/rewards are forfeited when the membership expires or is terminatedShow source
No data yet

Reward exclusions

Some merchant categories excludedShow source
No data yet

Credit & financing

Credit line

YesConditions apply: tap or hover for detailsShow source

Card described as a credit card secured by deposited virtual assets

NoShow source

Availability

Account / spend currencies

No data yet
USD · EUR · CHF · CNHShow source

Own IBAN / bank details

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

Swiss IBAN via Fiat24

Features

Apple Pay

YesConditions apply: tap or hover for detailsShow source

Region-dependent

YesShow source

Google Pay

YesConditions apply: tap or hover for detailsShow source

Region-dependent

YesShow source

Physical card

YesShow source
No data yet

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
No data yet

Spend stablecoins

YesShow source
YesConditions apply: tap or hover for detailsShow source

Crypto is topped up as USDC

Spendable assets

USDT · USDCConditions apply: tap or hover for detailsShow source

Acceptable Tokens for deposit

No data yet

Blockchains

Ethereum · Solana · Polygon · Arbitrum · TRONConditions apply: tap or hover for detailsShow source

Deposit networks for USDT/USDC; list not exhaustive, varies by coin

ArbitrumShow source

Limits

ATM limit

$750Conditions apply: tap or hover for detailsShow source

$250 per withdrawal incl. fees, max 3 withdrawals per rolling 24h

No data yet

Spending limit

No data yet
€5,000Conditions apply: tap or hover for detailsShow source

Per day; contactless 1,600 EUR per day

Security & custody

Deposit protection

NoShow source
No data yet

Annual cost at 1,500 EUR/month

KAST

  • Annual & monthly fees+0 EUR
  • FX costs−63 EUR
  • Crypto conversion–
  • ATM costs−56 EUR
  • Cashback+270 EUR
  • Net annual value151 EUR

SafePal Mastercard

  • Annual & monthly fees+0 EUR
  • FX costs−36 EUR
  • 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

More KAST comparisons

More SafePal Mastercard comparisons