Kardpay Card vs Kolo Card: which wins?

Cashback, annual fee, FX and ATM charges, custody and country availability — both cards on the same fields, taken from each issuer's published terms; each card page shows when its data was last verified.

PREPAIDKardpay FZCO logo
CASHBACK
2%
ANNUAL FEE
$29 to $299…
KARDPAY CARD
KARDPAY FZCO
VISA/MC

Kardpay Card

Kardpay FZCO
  • Virtual card
  • Apple Pay
  • Google Pay
PREPAIDKolo logo
CASHBACK
2%
ANNUAL FEE
Free
KOLO CARD
KOLO
VISA

Kolo Card

Kolo
  • No fees
  • No staking
  • Apple Pay
  • Google Pay
OUR SCORE

How we rate them

Our own assessment, not a user rating — four criteria at 25% each, scored against each issuer's published terms. See the scoring model.

Editorial scores for the Kardpay Card and the Kolo Card
CriterionKardpay CardKolo Card
Overall1.8 / 53.8 / 5
Cost 25%2.0Top-up fees of 3–5%, $0.25 per authorisation attempt (including declined ones) and a one-time card fee of $29–$299.4.0No annual, monthly or inactivity fee and the $10 activation is refunded, but every card payment carries a 1% conversion fee, plus another 1% outside the US.
Conditions 25%2.0Any cashback needs $3,000–$18,000 of KDY staked and locked for 180 days.5.0No stake, plan or balance — the rate applies from the first purchase.
Rewards 25%1.0Without a locked KDY stake the card pays no cashback, and staked rewards are paid in KDY, Kardpay's own token.3.01% in Bitcoin after an opening 2% for 30 days, capped at $100 a month. Paid in BTC rather than a house token.
Reliability 25%2.0KardPay 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.3.0A young issuer with no public fee page and only a partial country list; the figures here come from current reviews rather than Kolo's own documentation.
Kardpay Card

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.

QUICK VERDICT

Who wins on what

  • CHEAPER TO HOLD
    Kolo Card
    no annual fee vs $29 to $299 a year by card (billed annually)
  • NO TOKEN LOCK-UP
    Kolo Card
    headline rate without staking

Only stated where the published data supports it. A card with a tiered or conditional fee is not counted as free.

THE SHORT VERSION

How they actually differ

  • Rewards arrive in different assets: $KDY (Kardpay Token) on the Kardpay Card, Bitcoin on the Kolo Card.
  • Kardpay Card runs on Visa/MC; Kolo Card runs on Visa.
EVERY FIELD

Kardpay Card vs Kolo Card, side by side

Full field-by-field comparison of the Kardpay Card and the Kolo Card
FieldKardpay CardKolo Card
Card typePrepaidPrepaid
NetworkVisa/MCVisa
Max cashbackUp to 2%Up to 2%
Rewards paid in$KDY (Kardpay Token)Bitcoin
Annual fee$29–$299
Kardpay's pricing shows Core at $2.42, Pro $8.25, Elite $16.58 (reduced from $24.92) and Physical Elite $24.92 a month, each "billed annually", for a card valid one year. The same section is headed "One-time fee. No hidden subscription."
Free
Monthly feeNoneNone
FX feeVaries1% conversion on card payments, plus 1% more at non-US merchants
ATM feeNo ATM access on virtual tiers (Core/Pro/Elite); $1,500/day on Physical EliteNot available — virtual card only; a physical card is planned
Crypto conversion3-5% top-up fee (varies by tier)Free
Where it worksAlbania, 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, Zambia60+ countries including Europe, the UK and UAE; card usable for spending in 170+ countries (NOT available in: US)
Self-custodyNoNo
No staking neededNoYes
Apple PayYesYes
Google PayYesYes
Virtual cardYes—

A dash means the issuer has not published that figure — it does not mean zero. See our methodology for how each field is verified. Rewards and availability change often and vary by region. Not financial advice.

COMMON QUESTIONS

Kardpay Card vs Kolo Card: common questions

Which is better, the Kardpay Card or the Kolo Card?

It depends on what you optimise for. Kardpay Card is a prepaid card advertising up to 2%; Kolo Card is a prepaid card advertising up to 2%. Compare their fees, regions and custody model side by side before deciding.

Can I get both the Kardpay Card and the Kolo Card?

Usually yes — these are separate products from different issuers, so holding one does not prevent you from applying for the other, provided you meet each issuer's own eligibility and region requirements.

GO DEEPER

Read the full review of each

Kardpay Card review →Kolo Card review →Compare three cards instead

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