KazePay Card vs xPortal Card
Crypto native
Crypto native
Verdict
- KazePay Card scores higher overall (4.8 vs 4.5 out of 10).
- xPortal Card is clearly stronger on: Fees, Product features.
- 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
xPortal Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Fees, Product features
★ 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 | xPortal Card |
|---|---|---|
| Fees | 20 | 64 |
| Cashback & rewards | – | 1 |
| Availability | – | – |
| FX & international | – | – |
| Product features | 47 | 70 |
| Custody & security | 60 | – |
| Credit & financing | – | – |
| Limits & ATM | 60 | – |
| Transparency | 100 | – |
| Best for Cashback | n/a | 2.9 |
| Best for DeFi Users | 5.1 | n/a |
| Best for Stablecoins | 4.9 | n/a |
| Best for High Spenders | n/a | 3.4 |
| Best for Low Fees | 4.6 | n/a |
| Best for Beginners | 5.4 | 5.3 |
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
Limited availabilityConditions apply: tap or hover for detailsShow source
Crypto-asset services currently suspended (MiCA)
Card type
Debit cardShow source
Debit cardShow source
Network
MastercardShow source
Custody model
CustodialShow source
Fees
Physical card fee
€5.99Conditions apply: tap or hover for detailsShow source
Delivery in Romania; €9.99 international
Virtual card fee
FreeShow source
Crypto conversion fee
1.49%Conditions apply: tap or hover for detailsShow source
Crypto purchase via xMoney
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
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
Top-up limits: EUR 2,500 daily / EUR 10,000 monthlyShow source
Cashback & rewards
Max cashback
0.5%Conditions apply: tap or hover for detailsShow source
Depending on EGLD/UTK staked
Cashback paid in
EGLD / UTKShow source
Cashback type
Platform tokenShow source
Staking / holding required for top rewards
YesShow source
Staking asset
EGLD / UTKShow source
Minimum balance
$0Show source
Availability
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
YesShow source
Spend stablecoins
YesShow source
Airport lounge access
NoShow source
Travel / rental car insurance
NoShow 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
€500Conditions apply: tap or hover for detailsShow source
Per month
Spending limit
€5,000Conditions apply: tap or hover for detailsShow source
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
xPortal Card
- Annual & monthly feesunknown
- 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