TXBFI Lifetime Visa Card vs Zoomex Card
Crypto native
Crypto native
Verdict
- Zoomex Card scores higher overall (5.2 vs 5.1 out of 10).
- TXBFI Lifetime Visa Card is clearly stronger on: FX & international, Product features.
- Zoomex Card is clearly stronger on: Fees, Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
TXBFI Lifetime Visa Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: FX & international, Product features
Zoomex Card is a good fit for
- Stablecoin holders
Stronger on: Fees, Cashback & rewards
★ 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 | TXBFI Lifetime Visa Card | Zoomex Card |
|---|---|---|
| Fees | 66 | 88 |
| Cashback & rewards | 2 | 21 |
| Availability | – | – |
| FX & international | 76 | 20 |
| Product features | 70 | 56 |
| Custody & security | – | 60 |
| Credit & financing | – | 30 |
| Limits & ATM | 60 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 3.4 | 4.3 |
| Best for Travel | 6.3 | 4.5 |
| Best for DeFi Users | 4.9 | 5.1 |
| Best for Stablecoins | n/a | 5.5 |
| Best for High Spenders | 4.2 | 4.0 |
| Best for Low Fees | 7.3 | 6.7 |
| Best for Beginners | 6.3 | 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
Prepaid cardConditions apply: tap or hover for detailsShow source
Spends the UR account balance funded with USDC
Network
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Fiat held by UR (SR Saphirstein AG)
Card issuer / program manager
UR — SR Saphirstein AG, Swiss fintech licence (Art. 1b Banking Act), FINMA-supervisedShow source
Tiers / plans
Virtual · Physical · Metal · GoldShow source
Fees
Annual fee
FreeShow source
FreeShow source
Monthly fee
FreeShow source
Physical card fee
$300Conditions apply: tap or hover for detailsShow source
One-time; Metal $1,000, Gold $10,000
Virtual card fee
$25Conditions apply: tap or hover for detailsShow source
One-time, lifetime card
FreeShow source
FX fee
0.6%Show source
2%Conditions apply: tap or hover for detailsShow source
1–2%
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Crypto to fiat; fiat to crypto 0%
Top-up fee
2.6%Conditions apply: tap or hover for detailsShow source
Virtual and plastic; Metal 2.4%, Gold 1.8%
ATM fee
2%Conditions apply: tap or hover for detailsShow source
From 2%; not on the virtual card
Cashback & rewards
Base cashback
0.05%Conditions apply: tap or hover for detailsShow source
Virtual tier
1%Conditions apply: tap or hover for detailsShow source
Credited monthly to the Zoomex funding account; campaign rules still being prepared
Max cashback
0.4%Conditions apply: tap or hover for detailsShow source
Gold tier ($10,000)
1%Show source
Cashback paid in
BTCShow source
Cashback type
CryptoShow source
Cashback conditions
Sign-up reward: spend $5, get $10Show source
Credit & financing
Credit line
NoShow source
Availability
Account / spend currencies
USD · EUR · CHF · JPY · SGD · HKDShow source
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
NoConditions apply: tap or hover for detailsShow source
Initial version is virtual only
Virtual card
YesShow source
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
USDC is moved into the UR account and converted
Limits
ATM limit
$3,000Conditions apply: tap or hover for detailsShow source
Per day, highest tier
Annual cost at 1,500 EUR/month
TXBFI Lifetime Visa Card
- Annual & monthly fees+0 EUR
- FX costs−22 EUR
- Crypto conversion–
- ATM costs−24 EUR
- Cashback+9 EUR
- Net annual value-37 EUR
Zoomex Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- 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