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imToken Card vs OKX Card (EEA)

imToken Card

Crypto native

5.6
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OKX Card (EEA)

Crypto native

7.9
Get the card

Verdict

  • OKX Card (EEA) scores higher overall (7.9 vs 5.6 out of 10).
  • OKX Card (EEA) 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.

imToken Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

OKX Card (EEA) is a good fit for

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

Stronger on: Fees, Cashback & rewards

★ 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 & sourcesimToken Card vs ether.fi CashOKX Card (EEA) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionimToken CardOKX Card (EEA)
Fees8899
Cashback & rewards065
Availability–93
FX & international100100
Product features–56
Custody & security7075
Credit & financing3030
Limits & ATM––
Transparency100100
Best for Cashback3.77.6
Best for Travel7.18.4
Best for DeFi Users5.47.0
Best for Stablecoins6.88.5
Best for High Spenders4.47.2
Best for Low Fees8.79.2
Best for Beginners6.58.2

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

Spends the Fiat24 multi-currency cash account

Stablecoin cardShow source

Network

MastercardShow source
MastercardShow source

Custody model

HybridConditions apply: tap or hover for detailsShow source

Tokens in the self-custodial imToken wallet; top-ups become a fiat cash account at Fiat24

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

Launch date

No data yet
2026-01-28Show source

Card issuer / program manager

Fiat24 (Switzerland)Show source
UAB Monavate (issuer); OKX Europe Limited (program manager)Show source

Fees

Annual fee

FreeShow source
FreeShow source

Monthly fee

No data yet
FreeShow source

Virtual card fee

FreeConditions apply: tap or hover for detailsShow source

Account NFT minting fee 0.001 ETH applies

FreeShow source

FX fee

0%Show source
0%Conditions apply: tap or hover for detailsShow source

No added OKX FX fee

Crypto conversion fee

No data yet
0.1%Conditions apply: tap or hover for detailsShow source

Market spread converting stablecoins to EUR

Top-up fee

1%Conditions apply: tap or hover for detailsShow source

Token top-ups; fiat deposits free

No data yet

Other fees & markups

Account NFT minting fee 0.001 ETH · Additional charges may apply for settlements and exchange rate discrepanciesShow source
No data yet

Cashback & rewards

Base cashback

No data yet
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

Max cashback

No data yet
10%Conditions apply: tap or hover for detailsShow source

VIP 4+ on OKX, capped at €1,000/month

Cashback paid in

No data yet
USDGShow source

Cashback type

NoneConditions apply: tap or hover for detailsShow source

A rebate plan is announced

StablecoinShow source

Max cashback per month

No data yet
€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

Cashback conditions

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

Staking / holding required for top rewards

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

Cashback level depends on OKX VIP level instead

Reward exclusions

No data yet
USDC payments earn no cashbackShow source

Credit & financing

Credit line

NoShow source
NoShow source

Availability

Available in

No data yet
European Union, NorwayShow source

Not available in

No data yet
Iceland, LiechtensteinShow source

Account / spend currencies

USD · EUR · CHF · CNHShow source
EURShow source

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Swiss IBAN

No data yet

Features

Apple Pay

No data yet
YesShow source

Google Pay

No data yet
YesShow source

Physical card

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

Currently virtual-only

Virtual card

No data yet
YesShow source

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

Top up with USDC or USDT

YesShow source

Spendable assets

ETH · USDC · USDTConditions apply: tap or hover for detailsShow source

Major ERC-20 tokens for top-ups

USDC · USDGShow source

Blockchains

Ethereum · ArbitrumShow source
No data yet

Security & custody

Regulation / licences

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

Deposit protection

No data yet
NoShow source

Annual cost at 1,500 EUR/month

imToken Card

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

OKX Card (EEA)

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+360 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 imToken Card comparisons

More OKX Card (EEA) comparisons