KazePay Card vs Zebec Card
Crypto native
Crypto native
Verdict
- KazePay Card scores higher overall (4.8 vs 4.5 out of 10).
- Zebec Card is clearly stronger on: Product features, Custody & security.
- 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
Zebec Card is a good fit for
- People who want to keep control of their keys
Stronger on: Product features, Custody & security
★ 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 | Zebec Card |
|---|---|---|
| Fees | 20 | 20 |
| Cashback & rewards | – | – |
| Availability | – | 7 |
| FX & international | – | – |
| Product features | 47 | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | – | – |
| Limits & ATM | 60 | – |
| Transparency | 100 | 100 |
| Best for Self-Custody | n/a | 6.4 |
| Best for DeFi Users | 5.1 | 5.9 |
| Best for Stablecoins | 4.9 | n/a |
| Best for Low Fees | 4.6 | 4.4 |
| Best for Beginners | 5.4 | 5.6 |
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
MastercardShow source
Custody model
CustodialShow source
Self-custodyConditions apply: tap or hover for detailsShow source
Silver Card described as non-custodial
Tiers / plans
Silver · Carbon · BlackConditions apply: tap or hover for detailsShow source
Black temporarily offline for upgrades, expected to resume late 2026
Fees
Crypto conversion fee
0%Conditions apply: tap or hover for detailsShow source
Reloadable card: no transaction fees
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
2%Conditions apply: tap or hover for detailsShow source
Described as 'approximately 2%'; also 30 cents per transaction
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
No sign-up fee · No transaction fee · Variable FX fees may apply when spending outside the card currency · Crypto-to-fiat conversion rates vary by token/currencyConditions apply: tap or hover for detailsShow source
Black Card
Cashback & rewards
Staking asset
ZBCNConditions apply: tap or hover for detailsShow source
extra rewards, Black Card
Minimum balance
$0Show source
Availability
Available in
United States, Canada, PR, VI, GU, AS, MP, United Kingdom, GI, GG, IM, JEConditions apply: tap or hover for detailsShow source
Silver USD/GBP; Silver EUR in supported EU countries (not listed)
Not available in
United KingdomConditions apply: tap or hover for detailsShow source
UK currently restricted pending regulatory reviews and registration
Account / spend currencies
USDT · USDCShow source
USD · EUR · GBPConditions apply: tap or hover for detailsShow source
Silver and Black: USD, EUR or GBP; Carbon: USD only
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
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Spendable assets
USDT · USDCShow source
180+ cryptocurrenciesConditions apply: tap or hover for detailsShow source
Black Card funding
Blockchains
BSC · Solana · Aptos · Tron · Base · Avalanche · ArbitrumShow source
BNB Smart Chain · Solana · Ethereum · Ripple · Tron · Sui · Stellar · BaseConditions apply: tap or hover for detailsShow source
Platform-wide: 150+ tokens across 18 blockchains; list not exhaustive
Limits
ATM limit
$1,500Conditions apply: tap or hover for detailsShow source
Daily, physical card; monthly max $15,000; $ read as USD
Spending limit
$50,000Conditions apply: tap or hover for detailsShow source
Black Card, daily; page uses $ sign
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
Zebec 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