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KAST vs WhiteBIT Nova

KAST

Crypto native

6.0
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WhiteBIT Nova

Crypto native

7.2
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Verdict

  • WhiteBIT Nova scores higher overall (7.2 vs 6.0 out of 10).
  • KAST is clearly stronger on: Credit & financing.
  • WhiteBIT Nova is clearly stronger on: Cashback & rewards, 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

WhiteBIT Nova is a good fit for

  • Stablecoin holders

Stronger on: Cashback & rewards, 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
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Review & sourcesKAST vs ether.fi CashWhiteBIT Nova vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionKASTWhiteBIT Nova
Fees99100
Cashback & rewards3548
Availability–100
FX & international30–
Product features7070
Custody & security6060
Credit & financing7030
Limits & ATM33–
Transparency86100
Best for Cashback5.26.5
Best for Travel5.06.7
Best for DeFi Users6.36.2
Best for Stablecoins6.37.1
Best for High Spenders5.25.8
Best for Low Fees7.08.0
Best for Beginners7.28.3
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
VisaShow 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

CustodialConditions apply: tap or hover for detailsShow source

Spends balances held on the WhiteBIT exchange

Card issuer / program manager

No data yet
Wallester AS (payment institution, Finantsinspektsioon, Estonia)Show source

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

€12Conditions apply: tap or hover for detailsShow source

Delivery of the plastic card

Virtual card fee

$2Conditions apply: tap or hover for detailsShow source

Certain markets only, Standard tier

FreeShow source

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

No data yet

Top-up fee

No data yet
FreeShow source

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

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
Account reactivation after 3 months of inactivity: 5 € · Cashback can only be claimed from 5 €Show source

Cashback & rewards

Base cashback

1.5%Conditions apply: tap or hover for detailsShow source

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

1%Conditions apply: tap or hover for detailsShow source

Lowest category rate; up to three categories chosen per day

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

10%Conditions apply: tap or hover for detailsShow source

Subscriptions category; capped at 25 € cashback per month

Cashback paid in

USDShow source
BTC or WBTShow source

Cashback type

No data yet
CryptoShow source

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

Max cashback per month

No data yet
€25/monthShow source

Cashback conditions

Premium adds 1% and Private 2% in KAST Points on all spend · Subject to eligibility, caps and regional availabilityShow source
Up to three categories selected per day: taxi 5%, subscriptions 10%, pets 5%, entertainment and gaming 2%, others 1% · Minimum claim 5 € · Maximum 25 € per monthShow source

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

Available in

No data yet
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, Iceland, Liechtenstein, UkraineShow source

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
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesConditions apply: tap or hover for detailsShow source

Where supported

Spend stablecoins

YesShow source
YesShow source

Spendable assets

USDT · USDCConditions apply: tap or hover for detailsShow source

Acceptable Tokens for deposit

USDC · BTC · ETH · XRP · SOL · NEAR · ADA · AVAX · WBT · EURI · DOGEShow source

Blockchains

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

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

No data yet

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

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

WhiteBIT Nova

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+180 EUR
  • 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 WhiteBIT Nova comparisons