PREPAID · VISA/MCNo annual fee

Kardpay Card

Name: Kardpay Card
Brand: Kardpay FZCO
Availability: InStock

by Kardpay FZCO · Albania, Algeria, Andorra, Angola, Antigua and…

Kardpay is a crypto-funded prepaid card platform on Visa/Mastercard, offering Core, Pro, Elite and Physical Elite card options. Cashback is unlocked separately through $KDY staking at 1%, 1.5% or 2%, with the stake locked for 180 days after activation. Card top-up fees range from 3-5% depending on tier, with a $0.25 fee per authorisation attempt, including declined ones. Kardpay also offers integrated crypto gift cards and eSIM products.

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By the cryptocards.one team·Terms checked September 19, 2026·Referral link, see our affiliate disclosure

Kardpay Card — Prepaid card — on the Visa/MC network

MAX REWARD

Up to 2%

ENTRY PRICE

$29 one-time

BASE FX FEE

Varies

VERDICT

Is the Kardpay Card worth it?

The Kardpay Card is a prepaid card on Visa/MC, paying up to 2% back on spend, with no annual fee. Whether it suits you comes down to the trade-offs below.

GOOD FIT IF

you want up to 2% back on everyday spending
you want a card with no annual fee
you want to start spending the day you sign up

THINK TWICE IF

you're not willing to stake or hold a token to reach the headline rate
you want to hold your own keys — this card is custodial

OUR SCORE

How we rate the Kardpay Card

1.8out of 5Our assessment, not a user rating

Cost25%2.0 / 5
Top-up fees of 3–5%, $0.25 per authorisation attempt (including declined ones) and a one-time card fee of $29–$299.
Conditions25%2.0 / 5
Any cashback needs $3,000–$18,000 of KDY staked and locked for 180 days.
Rewards25%1.0 / 5
Without a locked KDY stake the card pays no cashback, and staked rewards are paid in KDY, Kardpay's own token.
Reliability25%2.0 / 5
KardPay presents itself as regulated and a Visa/Mastercard Principal Member, and advertises 24/7 support, but the product has a relatively limited track record and there is less independent evidence around the service than established card providers.

Kardpay is an interesting crypto spending card, but the high top-up fees make it difficult to justify for most users. The 1–2% cashback is also tied to substantial KDY staking, so the headline rewards may be higher than what an average user can realistically achieve. It could make sense for someone already committed to the Kardpay ecosystem, but the combination of high fees and staking requirements limits its overall value.

Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.

KEY FACTS

The card at a glance

CARD TYPE

Prepaid

Card category

NETWORK

Visa/MC

Where it's accepted

ANNUAL FEE

Free

Cost to hold the card

MAX REWARD

Up to 2%

Up to 2% via separate $KDY staking tiers: 1%, 1.5% and 2%

REWARDS IN

$KDY (Kardpay Token)

How rewards are paid

FX FEE

Varies

On foreign-currency spend

REGION

Albania, Algeria, Andorra, Angola, Antigua and Barbuda, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Cabo Verde, Cambodia, Cameroon, Canada, Chad, Chile, China, Colombia, Comoros, Congo, Costa Rica, Côte d’Ivoire, Croatia, Cyprus, Czechia, Democratic Republic of the Congo, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Fiji, Finland, France, Gabon, Gambia, Georgia, Germany, Ghana, Greece, Grenada, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Honduras, Hungary, Iceland, India, Indonesia, Iraq, Ireland, Israel, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kiribati, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Liechtenstein, Lithuania, Luxembourg, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Mauritania, Mauritius, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Morocco, Mozambique, Namibia, Nauru, Nepal, Netherlands, New Zealand, Nicaragua, Niger, Nigeria, North Macedonia, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Qatar, Romania, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, São Tomé and Príncipe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, South Africa, South Korea, South Sudan, Spain, Sri Lanka, Suriname, Sweden, Switzerland, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Türkiye, Turkmenistan, Tuvalu, Uganda, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Vietnam, Yemen, Zambia

Where it's available

Compare Kardpay Card against other cards in:

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 2%, up to 2% via separate $KDY staking tiers: 1%, 1.5% and 2%, 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% via separate $KDY staking tiers

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

✓Instant virtual card issuance

✓Apple Pay & Google Pay

✓3D Secure

✓Standard support

Plan	Core	Pro	Elite	Physical Elite
Cashback	Up to 2% via separate $KDY staking tiersall plans
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	Variesall plans
Requirement	$29 one-time card fee	$99 one-time card fee	$299 one-time card fee	$299 one-time card fee (limited edition of 200; the last 100 are open for pre-order)

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)

Chargeback fee

Charged per chargeback file, on top of any disputed amount (Kardpay terms).

$30 per case

ℹ️ Up to 2% via separate $KDY staking tiers: 1%, 1.5% and 2%

VERDICT

Strengths and trade-offs

WORKS FOR YOU IF

Visa/Mastercard — broad acceptance
Apple Pay and Google Pay support
Instant virtual card issuance
Four card tiers to match different spending needs

LOOK ELSEWHERE IF

$KDY staking unlocks cashback tiers of 1%, 1.5% and 2% (180-day lock)
Physical Elite is a limited edition of 200 cards; the last 100 are open for pre-order
Top-up fees range 3-5% depending on card tier
$0.25 fee per authorisation attempt, including declined ones (one clause of Kardpay's terms says $0.50)
Tier prices and limits are issuer-reported; independent third-party verification remains limited
Core, Pro and standard Elite are virtual cards; Physical Elite is the physical option
$30 fee per chargeback

STANDOUT FEATURES

What sets it apart

Native $KDY token integration
Multi-chain crypto support
Cashback unlocked via separate $KDY staking tiers (1%, 1.5% and 2%), independent of card tier
Four card tiers: Core, Pro, Elite, Physical Elite
Integrated crypto gift cards and eSIM products

✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app

ABOUT THIS CARD

Common questions

Where can I use the Kardpay Card?

The Kardpay Card is available in Albania, Algeria, Andorra, Angola, Antigua and Barbuda, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Cabo Verde, Cambodia, Cameroon, Canada, Chad, Chile, China, Colombia, Comoros, Congo, Costa Rica, Côte d’Ivoire, Croatia, Cyprus, Czechia, Democratic Republic of the Congo, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Fiji, Finland, France, Gabon, Gambia, Georgia, Germany, Ghana, Greece, Grenada, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Honduras, Hungary, Iceland, India, Indonesia, Iraq, Ireland, Israel, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kiribati, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Liechtenstein, Lithuania, Luxembourg, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Mauritania, Mauritius, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Morocco, Mozambique, Namibia, Nauru, Nepal, Netherlands, New Zealand, Nicaragua, Niger, Nigeria, North Macedonia, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Qatar, Romania, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, São Tomé and Príncipe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, South Africa, South Korea, South Sudan, Spain, Sri Lanka, Suriname, Sweden, Switzerland, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Türkiye, Turkmenistan, Tuvalu, Uganda, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Vietnam, Yemen, Zambia. Acceptance follows the Visa/MC network, so it works anywhere that network is accepted within those regions. Availability by country can change — check the issuer's current list before applying.

Does the Kardpay Card have an annual fee?

How much can I earn with the Kardpay Card?

Does it work with Apple Pay and Google Pay?

Figures on this page come from Kardpay FZCO's published card terms and were verified on September 19, 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.