OKX Card (EEA) vs WhiteBIT Nova
Crypto native
Crypto native
Verdict
- OKX Card (EEA) scores higher overall (7.9 vs 7.2 out of 10).
- OKX Card (EEA) is clearly stronger on: Cashback & rewards, Custody & security.
- WhiteBIT Nova 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: Cashback & rewards, Custody & security
WhiteBIT Nova 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:
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 | OKX Card (EEA) | WhiteBIT Nova |
|---|---|---|
| Fees | 99 | 100 |
| Cashback & rewards | 65 | 48 |
| Availability | 93 | 100 |
| FX & international | 100 | – |
| Product features | 56 | 70 |
| Custody & security | 75 | 60 |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 7.6 | 6.5 |
| Best for Travel | 8.4 | 6.7 |
| Best for DeFi Users | 7.0 | 6.2 |
| Best for Stablecoins | 8.5 | 7.1 |
| Best for High Spenders | 7.2 | 5.8 |
| Best for Low Fees | 9.2 | 8.0 |
| Best for Beginners | 8.2 | 8.3 |
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
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
CustodialConditions apply: tap or hover for detailsShow source
Spends balances held on the WhiteBIT exchange
Launch date
2026-01-28Show source
Card issuer / program manager
UAB Monavate (issuer); OKX Europe Limited (program manager)Show source
Wallester AS (payment institution, Finantsinspektsioon, Estonia)Show source
Fees
Annual fee
FreeShow source
FreeShow source
Monthly fee
FreeShow source
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
FX fee
0%Conditions apply: tap or hover for detailsShow source
No added OKX FX fee
Crypto conversion fee
0.1%Conditions apply: tap or hover for detailsShow source
Market spread converting stablecoins to EUR
Top-up fee
FreeShow source
Other fees & markups
Account reactivation after 3 months of inactivity: 5 € · Cashback can only be claimed from 5 €Show source
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
1%Conditions apply: tap or hover for detailsShow source
Lowest category rate; up to three categories chosen per day
Max cashback
10%Conditions apply: tap or hover for detailsShow source
VIP 4+ on OKX, capped at €1,000/month
10%Conditions apply: tap or hover for detailsShow source
Subscriptions category; capped at 25 € cashback per month
Cashback paid in
USDGShow source
BTC or WBTShow source
Cashback type
StablecoinShow source
CryptoShow source
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
€25/monthShow source
Cashback conditions
Only purchases where USDG is the active payment currency · Rate and monthly cap depend on OKX VIP levelShow 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
Staking / holding required for top rewards
NoConditions apply: tap or hover for detailsShow source
Cashback level depends on OKX VIP level instead
Reward exclusions
USDC payments earn no cashbackShow source
Credit & financing
Credit line
NoShow source
NoShow source
Availability
Available in
European Union, NorwayShow source
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
Not available in
Iceland, LiechtensteinShow source
Account / spend currencies
EURShow source
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
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Where supported
Spend stablecoins
YesShow source
YesShow source
Spendable assets
USDC · USDGShow source
USDC · BTC · ETH · XRP · SOL · NEAR · ADA · AVAX · WBT · EURI · DOGEShow source
Security & custody
Regulation / licences
OKX licensed under MiCA (card itself not a MiCA-licensed product)Show source
Deposit protection
NoShow source
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
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