savebackcards.com

SafePal Mastercard vs WhiteBIT Nova

SafePal Mastercard

Crypto native

6.5
WhiteBIT Nova

Crypto native

7.2

Verdict

  • WhiteBIT Nova scores higher overall (7.2 vs 6.5 out of 10).
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

SafePal Mastercard is a good fit for

  • Stablecoin holders

WhiteBIT Nova is a good fit for

  • Stablecoin holders

★ 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

CriterionSafePal MastercardWhiteBIT Nova
Fees100100
Cashback & rewards–48
Availability–100
FX & international60–
Product features7070
Custody & security–60
Credit & financing3030
Limits & ATM––
Transparency100100
Best for Cashbackn/a6.5
Best for Travel6.66.7
Best for DeFi Users6.06.2
Best for Stablecoins7.27.1
Best for High Spenders6.15.8
Best for Low Fees8.38.0
Best for Beginners7.58.3

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

Debit cardShow source
Debit cardShow source

Network

MastercardShow source
VisaShow source

Custody model

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

Spends balances held on the WhiteBIT exchange

Card issuer / program manager

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

Wallester AS (payment institution, Finantsinspektsioon, Estonia)Show source

Fees

Annual fee

FreeShow source
FreeShow source

Monthly fee

FreeShow source
FreeShow source

Physical card fee

No data yet
€12Conditions apply: tap or hover for detailsShow source

Delivery of the plastic card

Virtual card fee

No data yet
FreeShow source

FX fee

1%Conditions apply: tap or hover for detailsShow source

Card payments settled in non-USD currencies

No data yet

Top-up fee

FreeConditions apply: tap or hover for detailsShow source

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

FreeShow source

Transfer fee

FreeConditions apply: tap or hover for detailsShow source

Transfers to external banks; other banks may charge

No data yet

Other fees & markups

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

Account reactivation after 3 months of inactivity: 5 € · Cashback can only be claimed from 5 €Show source

Cashback & rewards

Base cashback

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

Lowest category rate; up to three categories chosen per day

Max cashback

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

Subscriptions category; capped at 25 € cashback per month

Cashback paid in

No data yet
BTC or WBTShow source

Cashback type

No data yet
CryptoShow source

Max cashback per month

No data yet
€25/monthShow source

Cashback conditions

No data yet
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

Credit & financing

Credit line

NoShow source
NoShow source

Availability

Available in

No data yet
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

Account / spend currencies

USD · EUR · CHF · CNHShow source
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Swiss IBAN via Fiat24

No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

No data yet
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

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

Where supported

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

Crypto is topped up as USDC

YesShow source

Spendable assets

No data yet
USDC · BTC · ETH · XRP · SOL · NEAR · ADA · AVAX · WBT · EURI · DOGEShow source

Blockchains

ArbitrumShow source
No data yet

Limits

Spending limit

€5,000Conditions apply: tap or hover for detailsShow source

Per day; contactless 1,600 EUR per day

No data yet

Annual cost at 1,500 EUR/month

SafePal Mastercard

  • Annual & monthly fees+0 EUR
  • FX costs−36 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • 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