savebackcards.com
DEEN

OKX Card (EEA) vs PENGU Card

OKX Card (EEA)

Crypto native

7.9
Get the card
PENGU Card

Crypto native

7.3
Get the card

Verdict

  • OKX Card (EEA) scores higher overall (7.9 vs 7.3 out of 10).
  • OKX Card (EEA) is clearly stronger on: Cashback & rewards, Custody & security.
  • PENGU Card is clearly stronger on: Product features.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

OKX Card (EEA) is a good fit for

  • Stablecoin holders
  • Everyday spenders who want cashback
  • Frequent travellers

Stronger on: Cashback & rewards, Custody & security

PENGU Card is a good fit for

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

Stronger on: 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
Get the card
Review & sourcesOKX Card (EEA) vs ether.fi CashPENGU Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionOKX Card (EEA)PENGU Card
Fees99100
Cashback & rewards6551
Availability93100
FX & international100–
Product features5670
Custody & security7560
Credit & financing30–
Limits & ATM––
Transparency100100
Best for Cashback7.66.7
Best for Travel8.46.7
Best for DeFi Users7.06.5
Best for Stablecoins8.5n/a
Best for High Spenders7.26.2
Best for Low Fees9.28.0
Best for Beginners8.28.4

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
Stablecoin cardShow source

Network

MastercardShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

CustodialShow source

Launch date

2026-01-28Show source
No data yet

Card issuer / program manager

UAB Monavate (issuer); OKX Europe Limited (program manager)Show source
KASTShow source

Fees

Annual fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Free tier; $1,000/year and $10,000/year tiers

Monthly fee

FreeShow source
No data yet

Virtual card fee

FreeShow source
No data yet

FX fee

0%Conditions apply: tap or hover for detailsShow source

No added OKX FX fee

No data yet

Crypto conversion fee

0.1%Conditions apply: tap or hover for detailsShow source

Market spread converting stablecoins to EUR

No data yet

Cashback & rewards

Base cashback

2%Conditions apply: tap or hover for detailsShow source

Non-VIP, USDG-funded purchases, capped at €10/month; promotional cashback during the initial launch period

1.5%Conditions apply: tap or hover for detailsShow source

Free tier

Max cashback

10%Conditions apply: tap or hover for detailsShow source

VIP 4+ on OKX, capped at €1,000/month

3%Conditions apply: tap or hover for detailsShow source

$10,000/year tier

Cashback paid in

USDGShow source
No data yet

Cashback type

StablecoinShow source
No data yet

Interest on balance

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

Up to; Reserve account, 8% on Free tier

Cashback-eligible spend cap

No data yet
$2,000/monthConditions apply: tap or hover for detailsShow source

Monthly eligible spend on the Free tier; $10,000 and $40,000 on higher tiers

Max cashback per month

€1,000/monthConditions apply: tap or hover for detailsShow source

Highest cap (VIP 3 and above); regular users EUR 10, VIP1 EUR 300, VIP2 EUR 450

No data yet

Cashback conditions

Only purchases where USDG is the active payment currency · Rate and monthly cap depend on OKX VIP levelShow source
No data yet

Staking / holding required for top rewards

NoConditions apply: tap or hover for detailsShow source

Cashback level depends on OKX VIP level instead

No data yet

Reward exclusions

USDC payments earn no cashbackShow source
No data yet

Credit & financing

Credit line

NoShow source
No data yet

Availability

Available in

European Union, NorwayShow source
GlobalConditions apply: tap or hover for detailsShow source

170+ countries

Not available in

Iceland, LiechtensteinShow source
No data yet

Account / spend currencies

EURShow source
No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

NoConditions apply: tap or hover for detailsShow source

Currently virtual-only

YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

No data yet
YesShow source

Spend stablecoins

YesShow source
No data yet

Spendable assets

USDC · USDGShow source
No data yet

Security & custody

Regulation / licences

OKX licensed under MiCA (card itself not a MiCA-licensed product)Show source
No data yet

Deposit protection

NoShow source
No data yet

Annual cost at 1,500 EUR/month

OKX Card (EEA)

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+360 EUR
  • Net annual valuenot enough data

PENGU Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+270 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 OKX Card (EEA) comparisons

More PENGU Card comparisons