PENGU Card vs SwissBorg Card
Crypto native
Crypto native
Verdict
- PENGU Card scores higher overall (7.3 vs 7.1 out of 10).
- PENGU 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.
PENGU Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Fees, Product features
SwissBorg Card is a good fit for
- Stablecoin holders
- Frequent travellers
★ 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 | PENGU Card | SwissBorg Card |
|---|---|---|
| Fees | 100 | 88 |
| Cashback & rewards | 51 | – |
| Availability | 100 | 100 |
| FX & international | – | 100 |
| Product features | 70 | 47 |
| Custody & security | 60 | 60 |
| Credit & financing | – | 30 |
| Limits & ATM | – | 20 |
| Transparency | 100 | 100 |
| Best for Cashback | 6.7 | 6.5 |
| Best for Travel | 6.7 | 7.6 |
| Best for DeFi Users | 6.5 | 6.0 |
| Best for Stablecoins | n/a | 7.6 |
| Best for High Spenders | 6.2 | 6.1 |
| Best for Low Fees | 8.0 | 8.3 |
| Best for Beginners | 8.4 | 7.5 |
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
Stablecoin cardShow source
Debit cardShow source
Network
VisaShow source
MastercardShow source
Custody model
CustodialShow source
CustodialConditions apply: tap or hover for detailsShow source
Spends crypto balances held in the SwissBorg app
Card issuer / program manager
KASTShow source
UAB Monavate (Bank of Lithuania); app operated by BlockNodes SAS (MiCA licence A2026-011, France)Show source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Free tier; $1,000/year and $10,000/year tiers
FreeShow source
Monthly fee
FreeShow source
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Mastercard exchange rate; SwissBorg adds no FX fee (the crypto exchange fee still applies)
Crypto conversion fee
0.99%Conditions apply: tap or hover for detailsShow source
Exchange fee for every loyalty rank; a real-time market-liquidity adjustment may be added
Other fees & markups
Real-time market-liquidity adjustment may be applied to the conversion price · Third parties such as Apple/Google Pay, Curve or PayPal may charge additional feesShow source
Cashback & rewards
Base cashback
1.5%Conditions apply: tap or hover for detailsShow source
Free tier
Max cashback
3%Conditions apply: tap or hover for detailsShow source
$10,000/year tier
Cashback paid in
BORGShow source
Cashback type
Platform tokenShow source
Interest on balance
12%Conditions apply: tap or hover for detailsShow source
Up to; Reserve account, 8% on Free tier
Cashback-eligible spend cap
$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
Cashback conditions
Cashback is a share of the 0.99% exchange fee: up to 5% (Standard) to up to 99% (Elite top 10) depending on the loyalty rank · BORG rewards are locked for a period (Paid to Trade programme) · Cashback is not guaranteed and can be changed or stopped at any timeShow source
Reward expiry / vesting
BORG cashback is locked for a certain periodShow source
Credit & financing
Credit line
NoShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
170+ countries
United Kingdom, Switzerland, Austria, Belgium, Cyprus, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, SwedenShow source
Account / spend currencies
EUR · CHF · GBPConditions apply: tap or hover for detailsShow source
Base currency set by country of residence
Features
Apple Pay
YesShow source
YesConditions apply: tap or hover for detailsShow source
Initially in Switzerland and France only
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
NoConditions apply: tap or hover for detailsShow source
May follow later
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
NoShow source
Spend stablecoins
YesShow source
Spendable assets
USDC · BTC · ETH · SOL · BORG · USDG · EUROP · TGBPShow source
Annual cost at 1,500 EUR/month
PENGU Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+270 EUR
- Net annual valuenot enough data
SwissBorg Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- 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