Visa / Monavate
OKX Card
6.1/10Overall Score
Card Mode
Third-party custody
Card Type
Debit
Mobile Payments
Google PaySupportedApple PaySupported
About the Project
Fees & Rules
01Getting Started
- Virtual Card Application
- $0
02Spending & Conversion
- Base Transaction Fee
- 0%
- ATM Withdrawal
- 0%
- FX Fee
- 0%
- Small Transaction Fee
- $0
- Crypto / Fiat Conversion
- 0.1%
03Rewards
- CashbackCashbackDifferent VIP levels can receive cashback rates ranging from 2% to 10%, with cashback amounts ranging from $50 to $1,000.
- 2%
Fee Sources · Verify Directly
www.okx.com/en-sg/help/okx-card-cashback-program-sgCard Guide
Overview
OKX Card is issued by the crypto exchange OKX, operated in the European Economic Area by OKX Europe Ltd. under MiCAR and issued through a licensed European payment institution on the Mastercard network, with a Visa version in Singapore. The logic is paying directly with stablecoins: funds stay in the OKX Pay smart wallet and convert to euro or the local currency at the moment of payment, with no pre-loading or manual FX.
Live across the EEA (EU member states plus Norway) since 28 January 2026, it supports USDC and USDG as payment currencies, with other assets requiring conversion first. The card is virtual, addable to Apple Pay / Google Pay, and works at Mastercard acceptance points worldwide.
Benefits
| Item | Details |
|---|---|
| Cashback applies only when paying with USDG, is paid in USDG and is tiered by OKX VIP level: | |
| Regular users: | 2%, monthly cap EUR 10 |
| VIP 1: | 4%, monthly cap EUR 300 |
| VIP 2: | 4.5%, monthly cap EUR 450 |
| VIP 3: | 5%, monthly cap EUR 1,000 |
| VIP 4 and above: | 10%, monthly cap EUR 1,000 |
| Transactions paid in USDC earn no cashback. | |
| Balance yield: | USDG held in the OKX Pay wallet earns a limited-time rate of up to about 8% APY (first USD 10,000 only, accredited VIP investors) and around 3.5% afterwards, with no staking or lock-up. |
| Subscription cashback: | up to USD 20 a month back on selected entertainment and lifestyle subscriptions during the campaign period. |
| Network benefits: | standard Mastercard merchant protection. |
| No staking requirement and no membership subscription fee, unlike the paid-membership-plus-high-cashback model most competitors use. | |
Fees
| Item | Details |
|---|---|
| Card fee: | 0. |
| Monthly / annual fee: | 0. |
| Transaction fee: | 0 — OKX charges nothing. |
| FX fee: | 0 from OKX; a 0.1% market spread applies only when fiat conversion is needed. |
| ATM: | the EEA virtual card does not support ATM withdrawals. |
| Top-up / funding: | USDC and USDG deposits are free, with on-chain gas depending on the network. |
| Other fees: | no manual spending limit and no annual transaction cap; cashback resets monthly and does not roll over. |
| Tier differences: | the card itself has no tiers and fees are identical for every user. Differences appear only in cashback rate and monthly cap, set by VIP level (that is, platform trading volume) rather than by a paid subscription. |
Availability
| Item | Details |
|---|---|
| Supported regions (28): | the 27 EU member states plus Norway — Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden, plus Norway; Brazil runs a separate programme and Singapore a Visa version. |
| Unsupported regions: | Iceland and Liechtenstein inside the EEA; the United States, mainland China and the UK cannot apply. |
| Spending limits: | no manual spending limit and no annual transaction cap; the practical ceiling is the stablecoin balance in OKX Pay and the account's verification level. |
| ATM: | the virtual card cannot withdraw cash. |
| Sign-up requirements: | a KYC-verified OKX account; OKX Pay activated and funded with USDC or USDG; no minimum balance. |
