savebackcards.com

Nebeus Card vs WhiteBIT Nova

Nebeus Card

Crypto enabled

5.3
WhiteBIT Nova

Crypto native

7.2

Verdict

  • WhiteBIT Nova scores higher overall (7.2 vs 5.3 out of 10).
  • WhiteBIT Nova is clearly stronger on: Cashback & rewards, Product features.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Nebeus Card is a good fit for

  • No specific audience can be derived from the published data yet.

WhiteBIT Nova is a good fit for

  • Stablecoin holders

Stronger on: Cashback & rewards, Product features

★ 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

Conditions apply; the review lists them with sources.

Score by criterion

CriterionNebeus CardWhiteBIT Nova
Fees100100
Cashback & rewards348
Availability–100
FX & international––
Product features5370
Custody & security6060
Credit & financing3030
Limits & ATM––
Transparency100100
Best for Cashback3.76.5
Best for Traveln/a6.7
Best for DeFi Usersn/a6.2
Best for Stablecoinsn/a7.1
Best for High Spenders3.95.8
Best for Low Fees8.08.0
Best for Beginners6.78.3
Best E-Money Card6.8n/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

Debit cardConditions apply: tap or hover for detailsShow source

Pays from the Nebeus current accounts; no own balance

Debit cardShow source

Network

MastercardShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Spends fiat and crypto accounts held at Nebeus

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

Free · Plus · ProShow source
No data yet

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Free plan; Plus and Pro prices not stated

FreeShow source

Physical card fee

No data yet
€12Conditions apply: tap or hover for detailsShow source

Delivery of the plastic card

Virtual card fee

FreeShow source
FreeShow source

Top-up fee

No data yet
FreeShow source

Other fees & markups

Payments from an account in another currency are converted at the Nebeus sell rateShow source
Account reactivation after 3 months of inactivity: 5 € · Cashback can only be claimed from 5 €Show source

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

Free plan

1%Conditions apply: tap or hover for detailsShow source

Lowest category rate; up to three categories chosen per day

Max cashback

1%Conditions apply: tap or hover for detailsShow source

Pro plan, up to €50 a month; Plus 0.5% up to €20 a month; only purchases paid from a crypto account

10%Conditions apply: tap or hover for detailsShow source

Subscriptions category; capped at 25 € cashback per month

Cashback paid in

EURShow source
BTC or WBTShow source

Cashback type

FiatShow source
CryptoShow source

Max cashback per month

€50/monthConditions apply: tap or hover for detailsShow source

Pro plan; Plus €20

€25/monthShow source

Cashback conditions

Plus or Pro card plan · Only purchases paid from a crypto account count · Paid monthly around the 5th of the next monthShow 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 exclusions

Payments from euro or other fiat accounts · ATM withdrawals and cash · Money transfers and card top-ups · Crypto, quasi-cash, financial services and securities · Gambling · Card feesShow source
No data yet

Credit & financing

Credit line

NoShow source
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

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

NoShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

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

Where supported

Spend stablecoins

No data yet
YesShow source

Spendable assets

No data yet
USDC · BTC · ETH · XRP · SOL · NEAR · ADA · AVAX · WBT · EURI · DOGEShow source

Annual cost at 1,500 EUR/month

Nebeus Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+0 EUR
  • Net annual valuenot enough data

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