KAST Card vs RedotPay 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.

CREDITKAST logo
CASHBACK
3% USD
ANNUAL FEE
Standard: Fr…
KAST CARD
KAST
VISA

KAST Card

KAST
  • No staking
  • Apple Pay
  • Google Pay
PREPAID
RedotPay logo
CASHBACK
None
ANNUAL FEE
Free
REDOTPAY CARD
REDOTPAY
VISA

RedotPay Card

RedotPay
  • No fees
  • No staking
  • Virtual card
  • Apple 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 KAST Card and the RedotPay Card
CriterionKAST CardRedotPay Card
Overall3.9 / 53.3 / 5
Cost 25%3.5Standard is free, but FX is 0.5–1.75%, non-stablecoin deposits cost 2–5% to convert, and ATM withdrawals cost $3 + 2%.3.5No monthly or annual fee, but the card costs $10 (virtual) or $100 (physical), every purchase carries a 1% crypto conversion fee, non-USD purchases add 1.2%, and ATM withdrawals cost 2%.
Conditions 25%5.0Standard's 1.5% needs no membership, stake or balance, and the advertised 3% is only twice that.5.0There is no reward rate to unlock, so nothing is needed beyond identity verification: no spend level, balance, stake or subscription.
Rewards 25%3.5Standard pays 1.5% in USD on the first $2,000/month — about $22.50 at $1,500 spend. Premium's extra rewards (about $270 a year) don't cover its $1,000 fee.1.0There is no cashback. Spending earns RedotPay points, which can only buy tickets for in-app prize draws and can't be cashed out.
Reliability 25%3.5Clear published fees and tiers, but KAST doesn't publish which countries it serves.3.5RedotPay publishes a dated fee schedule (effective 1 December 2025) and explicit lists of where cards can and can't be issued. The schedule is only an image, though, and several small charges (declines, payments under $1, some merchants) sit outside the headline fees.
KAST Card

KAST has strong headline rewards, reaching up to 8% on its higher-end card offerings, and a free Standard option. However, the premium tiers are extremely expensive, higher rewards come with significant conditions, and much of the reward value is delivered in KAST Points rather than direct cash. The combination of high costs and restrictive access to the best rewards keeps KAST at 3.9/5 rather than making it a top-tier card.

QUICK VERDICT

Who wins on what

  • CHEAPER TO HOLD
    RedotPay Card
    no annual fee vs Standard: Free — Premium: $1,000/year; Private: $10,000/year

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

  • KAST Card is a credit card while RedotPay Card is a prepaid card — that changes how you fund it, not just what it pays.
  • Rewards arrive in different assets: USD cashback + KAST Points on the KAST Card, No cashback on the RedotPay Card.
EVERY FIELD

KAST Card vs RedotPay Card, side by side

Full field-by-field comparison of the KAST Card and the RedotPay Card
FieldKAST CardRedotPay Card
Card typeCreditPrepaid
NetworkVisaVisa
Max cashbackUp to 3% USDNone
Rewards paid inUSD cashback + KAST PointsNo cashback
Annual feeFree
Standard: Free — Premium: $1,000/year; Private: $10,000/year
Free
Monthly feeNone
Standard is free, Premium is $1,000/year, Private is $10,000/year
Free
FX fee0.5%-1.75% on non-USD transactions, depending on country of residence and transaction location1.2%
1.20% on purchases in a currency other than the card's default currency. All new cards have been issued in USD since 21 January 2026, so USD purchases carry no FX fee.
ATM fee$3 + 2% per withdrawal; maximum $250 per withdrawal and 3 withdrawals or $750 per 24 hours2%
Physical card only. On USD cards, ATM withdrawals cost 2% while your monthly withdrawals stay at or under 10,000 USD, and 3% above that. Older HKD cards pay 2%.
Crypto conversionStablecoin deposits convert to USD 1:1 with 0% spread; non-stablecoin deposits incur 2%-5% automatic conversion fees, varying by token1%
RedotPay charges a 1.00% transaction fee on card purchases, which it describes as the cryptocurrency conversion fee.
Where it worksSupported countries are determined during KAST signup; KAST does not publish a fixed public country list100+ countries (NOT available in: Afghanistan, Albania, Belarus, Bosnia and Herzegovina, Bouvet Island, Burkina Faso, Burundi, Central African Republic, Democratic Republic of the Congo, Croatia, Cuba, Eritrea, Ethiopia, Guinea-Bissau, Haiti, India, Indonesia, Iran, Iraq, Kosovo, Lebanon, Liberia, Libya, Mainland China, Mali, Montenegro, Morocco, Myanmar, Nepal, Netherlands Antilles, Nicaragua, North Korea, North Macedonia, Russia, Serbia, Singapore, Slovenia, Somalia, South Sudan, Sudan, Syria, Turkey, Ukraine, United States, Venezuela, Yemen, Zimbabwe)
Self-custodyNoNo
No staking neededYesYes
Apple PayYesYes
Google PayYesYes
Virtual card—Yes

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.

GO DEEPER

Read the full review of each

KAST Card review →RedotPay Card review →Compare three cards instead

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