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KAST vs Zoomex Card

KAST

Crypto native

6.0
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Zoomex Card

Crypto native

5.2
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Verdict

  • KAST scores higher overall (6.0 vs 5.2 out of 10).
  • KAST is clearly stronger on: Fees, Cashback & rewards, FX & international, Product features, Credit & financing.
  • Zoomex Card is clearly stronger on: Transparency.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

KAST is a good fit for

  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card

Stronger on: Fees, Cashback & rewards, FX & international, Product features, Credit & financing

Zoomex Card is a good fit for

  • Stablecoin holders

Stronger on: Transparency

★ 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
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Review & sourcesKAST vs ether.fi CashZoomex Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionKASTZoomex Card
Fees9988
Cashback & rewards3521
Availability––
FX & international3020
Product features7056
Custody & security6060
Credit & financing7030
Limits & ATM33–
Transparency86100
Best for Cashback5.24.3
Best for Travel5.04.5
Best for DeFi Users6.35.1
Best for Stablecoins6.35.5
Best for High Spenders5.24.0
Best for Low Fees7.06.7
Best for Beginners7.26.7
Best Crypto Credit Card7.0n/a

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
Prepaid cardConditions apply: tap or hover for detailsShow source

Spends the UR account balance funded with USDC

Network

VisaShow source
No data yet

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Deposited assets are sold to KAST and held by a custodian on behalf of KAST, not the user

CustodialConditions apply: tap or hover for detailsShow source

Fiat held by UR (SR Saphirstein AG)

Card issuer / program manager

No data yet
UR — SR Saphirstein AG, Swiss fintech licence (Art. 1b Banking Act), FINMA-supervisedShow source

Tiers / plans

Standard · Premium · PrivateConditions apply: tap or hover for detailsShow source

Account-level memberships replacing card tiers (announced May 5, 2026)

No data yet

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Standard membership; Premium $1,000/yr, Private $10,000/yr

FreeShow source

Physical card fee

$40Conditions apply: tap or hover for detailsShow source

Delivery fee; the Standard physical card itself is free

No data yet

Virtual card fee

$2Conditions apply: tap or hover for detailsShow source

Certain markets only, Standard tier

FreeShow source

FX fee

1.75%Conditions apply: tap or hover for detailsShow source

Up to; 0.5%–1.75% on non-USD card spend depending on membership

2%Conditions apply: tap or hover for detailsShow source

1–2%

Crypto conversion fee

No data yet
1%Conditions apply: tap or hover for detailsShow source

Crypto to fiat; fiat to crypto 0%

ATM fee

$3 + 2%Conditions apply: tap or hover for detailsShow source

Plus FX fee on non-USD ATMs; operators may add charges

No data yet

Small transaction fee

$0.10Conditions apply: tap or hover for detailsShow source

Non-USD transactions under $25

No data yet

Other fees & markups

Monthly inactivity fee of $1 on dormant accounts (12 months without transaction activity) · Possible reactivation fee after 6 months of inactivity · Possible card renewal fee (specified in app) · Non-refundable chargeback/dispute processing feesShow source
No data yet

Cashback & rewards

Base cashback

1.5%Conditions apply: tap or hover for detailsShow source

Standard membership, first $2,000 of spend per month

1%Conditions apply: tap or hover for detailsShow source

Credited monthly to the Zoomex funding account; campaign rules still being prepared

Max cashback

3%Conditions apply: tap or hover for detailsShow source

Private membership ($10,000/yr), first $40,000 per month; plus 2% in KAST Points

1%Show source

Cashback paid in

USDShow source
No data yet

Cashback-eligible spend cap

$2,000/monthConditions apply: tap or hover for detailsShow source

Standard; Premium $10,000, Private $40,000 per month

No data yet

Cashback conditions

Premium adds 1% and Private 2% in KAST Points on all spend · Subject to eligibility, caps and regional availabilityShow source
Sign-up reward: spend $5, get $10Show source

Reward expiry / vesting

Accrued unused benefits/rewards are forfeited when the membership expires or is terminatedShow source
No data yet

Reward exclusions

Some merchant categories excludedShow source
No data yet

Credit & financing

Credit line

YesConditions apply: tap or hover for detailsShow source

Card described as a credit card secured by deposited virtual assets

NoShow source

Availability

Account / spend currencies

No data yet
USD · EUR · CHF · JPY · SGD · HKDShow source

Features

Apple Pay

YesConditions apply: tap or hover for detailsShow source

Region-dependent

YesShow source

Google Pay

YesConditions apply: tap or hover for detailsShow source

Region-dependent

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

ATM withdrawals

YesShow source
No data yet

Spend stablecoins

YesShow source
YesConditions apply: tap or hover for detailsShow source

USDC is moved into the UR account and converted

Spendable assets

USDT · USDCConditions apply: tap or hover for detailsShow source

Acceptable Tokens for deposit

No data yet

Blockchains

Ethereum · Solana · Polygon · Arbitrum · TRONConditions apply: tap or hover for detailsShow source

Deposit networks for USDT/USDC; list not exhaustive, varies by coin

No data yet

Limits

ATM limit

$750Conditions apply: tap or hover for detailsShow source

$250 per withdrawal incl. fees, max 3 withdrawals per rolling 24h

No data yet

Security & custody

Deposit protection

NoShow source
No data yet

Annual cost at 1,500 EUR/month

KAST

  • Annual & monthly fees+0 EUR
  • FX costs−63 EUR
  • Crypto conversion–
  • ATM costs−56 EUR
  • Cashback+270 EUR
  • Net annual value151 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

More KAST comparisons

More Zoomex Card comparisons