Pionex Card vs Wayex Card
Crypto native
Crypto native
Verdict
- Pionex Card and Wayex Card have the same overall score (6.2/10).
- Pionex Card is clearly stronger on: Fees.
- Wayex Card is clearly stronger on: Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Pionex Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Fees
Wayex Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: 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 | Pionex Card | Wayex Card |
|---|---|---|
| Fees | 100 | 87 |
| Cashback & rewards | 28 | – |
| Availability | – | 3 |
| FX & international | – | 100 |
| Product features | 70 | 70 |
| Custody & security | 60 | 70 |
| Credit & financing | – | – |
| Limits & ATM | 60 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 5.1 | n/a |
| Best for Travel | 6.1 | 7.3 |
| Best for DeFi Users | 6.1 | 6.9 |
| Best for Stablecoins | n/a | 7.9 |
| Best for High Spenders | 5.3 | n/a |
| Best for Low Fees | 8.2 | 8.7 |
| Best for Beginners | 7.4 | 6.7 |
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
Prepaid cardShow source
Network
Visa / MastercardShow source
VisaShow source
Custody model
CustodialShow source
HybridConditions apply: tap or hover for detailsShow source
Custodial by default; optional self-custody
Card issuer / program manager
Lead Bank (issuer); Bridge, a Stripe company (program manager)Show source
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Statement concerns use overseas; FAQ may describe an older AUD card (other Wayex page describes USD card with 1.5% non-USD FX fee)
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Crypto-to-AUD transaction fee at point of sale; plus 1% fee for buying and selling crypto
Top-up fee
0.1%Conditions apply: tap or hover for detailsShow source
USDT deposits only; DAI/USDC deposits 1:1 no fee
ATM fee
2%Conditions apply: tap or hover for detailsShow source
Pionex Visa card, physical card only; ATM operators may charge their own fee
Other fees & markups
1% fee for buying and selling crypto · No deposit or withdrawal fees · Replacement card free once lifetime spend limit reachedShow source
Cashback & rewards
Max cashback
1%Conditions apply: tap or hover for detailsShow source
Pionex Visa card; no cap on eligible spending
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
USDT balance in the Visa Card account (not USD/EUR); no subscription or staking required; only positive balances
5%Conditions apply: tap or hover for detailsShow source
Up to, on liquid stablecoin balance
Availability
Available in
AustraliaConditions apply: tap or hover for detailsShow source
Eligible: Australian citizens or people living at an Australian address, 18+
Not available in
AF, VE, RU, MM, Ukraine, KP, IR, BYConditions apply: tap or hover for detailsShow source
Spending restriction: payments declined at merchants registered in or operating from these countries (sanctions); not a residency/application restriction
Account / spend currencies
AUDConditions apply: tap or hover for detailsShow source
Crypto converted to AUD at point of sale; AUD deposits
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Visa card; ATM only on physical card
YesConditions apply: tap or hover for detailsShow source
Where supported
Virtual card
YesConditions apply: tap or hover for detailsShow source
Pionex Mastercard is virtual only
YesShow source
Spend stablecoins
YesShow source
Spendable assets
USDC · USDT · DAI · PYUSDConditions apply: tap or hover for detailsShow source
Deposited and converted to one USD balance
Blockchains
Ethereum · Solana · Base · Arbitrum · Avalanche · Optimism · Polygon · Stellar · Tron · CelestiaShow source
Limits
Spending limit
$20,000Conditions apply: tap or hover for detailsShow source
Pionex Mastercard default per transaction and daily; monthly 100,000 USD; limit increases not supported
Annual cost at 1,500 EUR/month
Pionex Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs−24 EUR
- Cashbackunknown
- Net annual valuenot enough data
Wayex 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