Nebeus Card vs WhiteBIT Nova
Crypto enabled
Crypto native
Verdict
- WhiteBIT Nova scores higher overall (7.2 vs 5.3 out of 10).
- WhiteBIT Nova is clearly stronger on: Cashback & rewards, Product features.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Nebeus Card is a good fit for
- No specific audience can be derived from the published data yet.
WhiteBIT Nova is a good fit for
- Stablecoin holders
Stronger on: Cashback & rewards, Product features
★ 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 | Nebeus Card | WhiteBIT Nova |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 3 | 48 |
| Availability | – | 100 |
| FX & international | – | – |
| Product features | 53 | 70 |
| Custody & security | 60 | 60 |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 3.7 | 6.5 |
| Best for Travel | n/a | 6.7 |
| Best for DeFi Users | n/a | 6.2 |
| Best for Stablecoins | n/a | 7.1 |
| Best for High Spenders | 3.9 | 5.8 |
| Best for Low Fees | 8.0 | 8.0 |
| Best for Beginners | 6.7 | 8.3 |
| Best E-Money Card | 6.8 | n/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
Debit cardConditions apply: tap or hover for detailsShow source
Pays from the Nebeus current accounts; no own balance
Debit cardShow source
Network
MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Spends fiat and crypto accounts held at Nebeus
CustodialConditions apply: tap or hover for detailsShow source
Spends balances held on the WhiteBIT exchange
Card issuer / program manager
Wallester AS (payment institution, Finantsinspektsioon, Estonia)Show source
Tiers / plans
Free · Plus · ProShow source
Fees
Annual fee
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Free plan; Plus and Pro prices not stated
FreeShow source
Physical card fee
€12Conditions apply: tap or hover for detailsShow source
Delivery of the plastic card
Virtual card fee
FreeShow source
FreeShow source
Top-up fee
FreeShow source
Other fees & markups
Payments from an account in another currency are converted at the Nebeus sell rateShow source
Account reactivation after 3 months of inactivity: 5 € · Cashback can only be claimed from 5 €Show source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Free plan
1%Conditions apply: tap or hover for detailsShow source
Lowest category rate; up to three categories chosen per day
Max cashback
1%Conditions apply: tap or hover for detailsShow source
Pro plan, up to €50 a month; Plus 0.5% up to €20 a month; only purchases paid from a crypto account
10%Conditions apply: tap or hover for detailsShow source
Subscriptions category; capped at 25 € cashback per month
Cashback paid in
EURShow source
BTC or WBTShow source
Cashback type
FiatShow source
CryptoShow source
Max cashback per month
€50/monthConditions apply: tap or hover for detailsShow source
Pro plan; Plus €20
€25/monthShow source
Cashback conditions
Plus or Pro card plan · Only purchases paid from a crypto account count · Paid monthly around the 5th of the next monthShow source
Up to three categories selected per day: taxi 5%, subscriptions 10%, pets 5%, entertainment and gaming 2%, others 1% · Minimum claim 5 € · Maximum 25 € per monthShow source
Reward exclusions
Payments from euro or other fiat accounts · ATM withdrawals and cash · Money transfers and card top-ups · Crypto, quasi-cash, financial services and securities · Gambling · Card feesShow source
Credit & financing
Credit line
NoShow source
NoShow source
Availability
Available in
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, Iceland, Liechtenstein, UkraineShow source
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
NoShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Where supported
Spend stablecoins
YesShow source
Spendable assets
USDC · BTC · ETH · XRP · SOL · NEAR · ADA · AVAX · WBT · EURI · DOGEShow source
Annual cost at 1,500 EUR/month
Nebeus Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+0 EUR
- Net annual valuenot enough data
WhiteBIT Nova
- Annual & monthly fees+0 EUR
- FX costsunknown
- 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