KazePay Card vs Ripio Card
Crypto native
Crypto native
Verdict
- Ripio Card scores higher overall (4.9 vs 4.8 out of 10).
- KazePay Card is clearly stronger on: Limits & ATM.
- Ripio 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.
KazePay Card is a good fit for
- Stablecoin holders
Stronger on: Limits & ATM
Ripio Card is a good fit for
- Everyday spenders who want cashback
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 | KazePay Card | Ripio Card |
|---|---|---|
| Fees | 20 | 100 |
| Cashback & rewards | – | 41 |
| Availability | – | 3 |
| FX & international | – | 0 |
| Product features | 47 | 56 |
| Custody & security | 60 | 60 |
| Credit & financing | – | – |
| Limits & ATM | 60 | 20 |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 4.8 |
| Best for Travel | n/a | 3.3 |
| Best for DeFi Users | 5.1 | 5.9 |
| Best for Stablecoins | 4.9 | n/a |
| Best for High Spenders | n/a | 4.6 |
| Best for Low Fees | 4.6 | 6.3 |
| Best for Beginners | 5.4 | 6.5 |
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
Debit cardShow source
Prepaid cardShow source
Network
VisaShow source
Custody model
CustodialShow source
CustodialShow source
Card issuer / program manager
Digipayments S.A.U. and Pomelo Fintech Services S.A.S. (co-issuers)Show source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
'Sem custo'
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
No maintenance cost
Physical card fee
FreeShow source
Replacement fee
R$9.99Conditions apply: tap or hover for detailsShow source
From the second reissue
FX fee
5%Conditions apply: tap or hover for detailsShow source
Applied by the partner on foreign-currency card purchases
Top-up fee
2%Conditions apply: tap or hover for detailsShow source
Physical card 2% per top-up; virtual card 1.8%–2.2% depending on card type and issuing bank
ATM fee
2% (min. $1)Conditions apply: tap or hover for detailsShow source
Physical card only; plus local ATM/operator fees; $ read as USD
R$6.90Conditions apply: tap or hover for detailsShow source
Rede24Horas ATM, per operation
Other fees & markups
Card issuance and maintenance fees apply (vary by card type/bank) · Currency conversion fees set by bank and network · Virtual card bank transaction fees 0%–5% by merchant category · Physical card shipping paid by applicantShow source
Selling a digital asset to pay a card purchase: Ripio charges a commission for the sale (amount not stated)Show source
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow source
Paying with crypto; 0.5% paying with ARS
Max cashback
2%Conditions apply: tap or hover for detailsShow source
Promotional: 2% paid in USDT, ETH or BTC on purchases from balance in any digital asset, from 01/09/2024 until an end date Ripio will announce; 0.5% on purchases from BRL balance
Cashback paid in
USDT, ETH or BTC (user's choice)Show source
Cashback type
CryptoShow source
Max cashback per month
R$500/monthConditions apply: tap or hover for detailsShow source
Monthly cashback limit
Minimum balance
$0Show source
Reward exclusions
Funding of digital wallets, exchanges or other merchants · Misuse, fraudulent use or use contrary to the termsShow source
Availability
Available in
BrazilConditions apply: tap or hover for detailsShow source
Individuals 18+ resident and domiciled in Brazil
Account / spend currencies
USDT · USDCShow source
Features
Apple Pay
NoConditions apply: tap or hover for detailsShow source
Physical card; some virtual cards may support it depending on issuing bank
YesShow source
Google Pay
NoConditions apply: tap or hover for detailsShow source
Physical card; some virtual cards may support it depending on issuing bank
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
NoConditions apply: tap or hover for detailsShow source
No cash withdrawals unless expressly enabled
Spend stablecoins
YesShow source
Spendable assets
USDT · USDCShow source
Blockchains
BSC · Solana · Aptos · Tron · Base · Avalanche · ArbitrumShow source
Limits
ATM limit
$1,500Conditions apply: tap or hover for detailsShow source
Daily, physical card; monthly max $15,000; $ read as USD
Spending limit
R$30,000Conditions apply: tap or hover for detailsShow source
Daily cumulative in-person purchases; e-commerce R$10,000 per day
Annual cost at 1,500 EUR/month
KazePay Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costs−24 EUR
- Cashbackunknown
- Net annual valuenot enough data
Ripio Card
- Annual & monthly feesunknown
- FX costs−180 EUR
- Crypto conversion–
- ATM costs−14 EUR
- Cashback+360 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers