by Kardpay FZCO · Afghanistan, Belarus, Cuba, North korea, Iran…
Kardpay is a live crypto-funded prepaid card platform on Visa/Mastercard, offering three virtual tiers (Core, Pro, Elite) with a Physical Elite card listed as coming soon. Cashback of up to 2% is unlocked separately via $KDY token staking (180-day lock) — staking is not yet live. Top-up fees range 3-5% depending on tier, plus a flat $0.25 per-transaction fee. No KYC required. Also offers integrated crypto gift cards and eSIM products.
Up to 2% via $KDY staking (180-day lock) — a separate step from buying a card tier, and not yet live
REWARDS IN
$KDY (Kardpay Token)
How rewards are paid
FX FEE
Varies
On foreign-currency spend
REGION
Afghanistan, Belarus, Cuba, North korea, Iran, Syria, Sudan, Venezuela, Russia, Ukraine, Sudan, Libya, Myanmar, Burundi, Central African Republic, Somalia, Zimbabwe
Where it's available
REWARDS
Earning Up to 2%
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Reward summary
Up to Up to 2%, up to 2% via $kdy staking (180-day lock) — a separate step from buying a card tier, and not yet live, paid in $KDY (Kardpay Token).
PLANS & TIERS
Compare the plans
This card has 4 plans. Select one to see its rate, fees and perks.
Core
Requirement: $29 one-time card fee
Up to 2% — separate $KDY staking required
Cashback
PRICE
$29 one-time
ATM FEE
No ATM access (virtual only)
FX FEE
Varies
WHAT'S INCLUDED
✓$10,000/year spending limit
✓5% top-up fee
✓No KYC required
✓Instant virtual card issuance
Plan
Core
Pro
Elite
Physical Elite
Cashback
Up to 2% — separate $KDY staking required
Up to 2% — separate $KDY staking required
Up to 2% — separate $KDY staking required
Up to 2% — separate $KDY staking required
Price
$29 one-time
$99 one-time
$299 one-time
$299 one-time
ATM fee
No ATM access (virtual only)
No ATM access (virtual only)
No ATM access (virtual only)
$1,500/day
FX fee
Varies
Varies
Varies
Varies
Requirement
$29 one-time card fee
$99 one-time card fee
$299 one-time card fee
$299 one-time card fee (physical card listed as "coming soon" per the issuer — not yet orderable as of this update)
COSTS
Fees you'll actually meet
Annual fee
Cost to hold the card each year
Free
Monthly fee
Recurring account cost
None
FX spread
Applied on foreign-currency spend
Varies
ATM withdrawal
Cash withdrawal cost
No ATM access on virtual tiers (Core/Pro/Elite); $1,500/day on Physical Elite
Crypto conversion
When spending crypto directly
3-5% top-up fee (varies by tier)
Issuance fee
One-off cost to get the card
$29-$299 one-time (varies by tier)
ℹ️ Up to 2% via $KDY staking (180-day lock) — a separate step from buying a card tier, and not yet live
VERDICT
Strengths and trade-offs
WORKS FOR YOU IF
✓Visa/Mastercard — broad acceptance
✓Apple Pay and Google Pay support
✓No KYC required
✓Instant virtual card issuance
✓Four tiers to match different spending needs
LOOK ELSEWHERE IF
!$KDY staking not yet live — cashback not currently claimable
!Physical card tier is listed as coming soon, not yet orderable
!Top-up fees range 3-5% depending on tier
!$0.25 per transaction fee
!Tier prices and limits are issuer-reported; independent third-party verification remains limited
!Lower tiers (Core, Pro) have no ATM access — virtual only
STANDOUT FEATURES
What sets it apart
✦Native $KDY token integration
✦Multi-chain crypto support
✦Cashback unlocked via separate $KDY staking (180-day lock), independent of card tier
Figures on this page come from Kardpay FZCO's published card terms and were verified on August 26, 2026. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
