savebackcards.com

OKX Card (EEA) vs SafePal Mastercard

OKX Card (EEA)

Crypto native

7.9
SafePal Mastercard

Crypto native

6.5

Verdict

  • OKX Card (EEA) scores higher overall (7.9 vs 6.5 out of 10).
  • OKX Card (EEA) is clearly stronger on: FX & international.
  • SafePal Mastercard is clearly stronger on: Product features.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

OKX Card (EEA) is a good fit for

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

Stronger on: FX & international

SafePal Mastercard is a good fit for

  • Stablecoin holders

Stronger on: Product features

★ 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

Conditions apply; the review lists them with sources.

Score by criterion

CriterionOKX Card (EEA)SafePal Mastercard
Fees99100
Cashback & rewards65–
Availability93–
FX & international10060
Product features5670
Custody & security75–
Credit & financing3030
Limits & ATM––
Transparency100100
Best for Cashback7.6n/a
Best for Travel8.46.6
Best for DeFi Users7.06.0
Best for Stablecoins8.57.2
Best for High Spenders7.26.1
Best for Low Fees9.28.3
Best for Beginners8.27.5

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
Debit cardShow source

Network

MastercardShow source
MastercardShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

No data yet

Launch date

2026-01-28Show source
No data yet

Card issuer / program manager

UAB Monavate (issuer); OKX Europe Limited (program manager)Show source
Fiat24 (Swiss IBAN account and fiat gateway; compliance and licensing)Conditions apply: tap or hover for detailsShow source

Offered in collaboration with SafePal; the page does not name the card issuer separately

Fees

Annual fee

FreeShow source
FreeShow source

Monthly fee

FreeShow source
FreeShow source

Virtual card fee

FreeShow source
No data yet

FX fee

0%Conditions apply: tap or hover for detailsShow source

No added OKX FX fee

1%Conditions apply: tap or hover for detailsShow source

Card payments settled in non-USD currencies

Crypto conversion fee

0.1%Conditions apply: tap or hover for detailsShow source

Market spread converting stablecoins to EUR

No data yet

Top-up fee

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

Standard deposit/top-up fee; crypto swaps carry a spread and gas fees

Transfer fee

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

Transfers to external banks; other banks may charge

Other fees & markups

No data yet
Refund processing fee 1 USD / 1 EUR / 1 CHF / 7 CNH per refund, depending on payment currency · Gas fees on blockchain transactionsConditions apply: tap or hover for detailsShow source

Gas fees: the page states all financial transactions are conducted on the blockchain, which will result in gas fees

Cashback & rewards

Base cashback

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

No data yet

Max cashback

10%Conditions apply: tap or hover for detailsShow source

VIP 4+ on OKX, capped at €1,000/month

No data yet

Cashback paid in

USDGShow source
No data yet

Cashback type

StablecoinShow source
No data yet

Max cashback per month

€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

No data yet

Cashback conditions

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

Staking / holding required for top rewards

NoConditions apply: tap or hover for detailsShow source

Cashback level depends on OKX VIP level instead

No data yet

Reward exclusions

USDC payments earn no cashbackShow source
No data yet

Credit & financing

Credit line

NoShow source
NoShow source

Availability

Available in

European Union, NorwayShow source
No data yet

Not available in

Iceland, LiechtensteinShow source
No data yet

Account / spend currencies

EURShow source
USD · EUR · CHF · CNHShow source

Own IBAN / bank details

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

Swiss IBAN via Fiat24

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

NoConditions apply: tap or hover for detailsShow source

Currently virtual-only

No data yet

Virtual card

YesShow source
YesShow source

Spend stablecoins

YesShow source
YesConditions apply: tap or hover for detailsShow source

Crypto is topped up as USDC

Spendable assets

USDC · USDGShow source
No data yet

Blockchains

No data yet
ArbitrumShow source

Limits

Spending limit

No data yet
€5,000Conditions apply: tap or hover for detailsShow source

Per day; contactless 1,600 EUR per day

Security & custody

Regulation / licences

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

Deposit protection

NoShow source
No data yet

Annual cost at 1,500 EUR/month

OKX Card (EEA)

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+360 EUR
  • Net annual valuenot enough data

SafePal Mastercard

  • Annual & monthly fees+0 EUR
  • FX costs−36 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