WhiteBIT Nóva vs Plutus 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.

DEBIT
WhiteBIT logo
CASHBACK
10%
ANNUAL FEE
Free
WHITEBIT NÓVA
WHITEBIT
VISA

WhiteBIT Nóva

WhiteBIT
  • High cashback
  • No fees
  • No staking
  • Virtual card
DEBIT
Block Code Ltd logo
CASHBACK
9%
ANNUAL FEE
£6.99-£19.99…
PLUTUS CARD
BLOCK CODE LTD
VISA

Plutus Card

Block Code Ltd
  • High cashback
  • 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 WhiteBIT Nóva and the Plutus Card
CriterionWhiteBIT NóvaPlutus Card
Overall3.5 / 52.4 / 5
Cost 25%4.0No annual or monthly fee, but transaction fees of up to 1%, €3 ATM withdrawals and paid physical-card delivery from €12.2.0There is no free tier: every plan costs £6.99 to £19.99 a month, and on top of that FX is 2.5%, ATM withdrawals 2.5%, and a physical card £9.99.
Conditions 25%3.5You must pick 3 cashback categories (changeable weekly) and rates change dynamically; the advertised 10% is far above what the €25 cap allows.2.5Rewards apply only to the first £250 to £1,000 of monthly spending depending on plan, and the 9% headline needs 40,000 PLU held — several thousand pounds.
Rewards 25%3.5Cashback is capped at €25/month, so at $1,500 spend it tops out around 1.7%, paid in BTC or WBT.1.53% in PLU on a capped slice of spending. On the entry plan the rewards barely exceed the subscription that unlocks them.
Reliability 25%3.0The card has been suspended since 30 June 2026 while WhiteBIT moves it to its WhiteBIT Europe platform. Before that, category rates changed dynamically and the terms were only partly published.3.5Running since 2015 with a published fee page, but the 2026 overhaul removed the free tier and the per-level reward rates are still not published.
WhiteBIT Nóva

The card has been suspended since 30 June 2026 while WhiteBIT moves it to WhiteBIT Europe; this verdict describes it as it worked before. A strong no-fee crypto card with attractive category-based cashback, but the €25 monthly cashback cap significantly limits its real-world value. Its restricted 31-country availability and transaction/ATM fees keep it well below the top-tier crypto cards.

QUICK VERDICT

Who wins on what

  • HIGHER HEADLINE CASHBACK
    WhiteBIT Nóva
    Up to 10% vs Up to 9%
  • CHEAPER TO HOLD
    WhiteBIT Nóva
    no annual fee vs £6.99-£19.99/month (no free tier in 2026)
  • NO TOKEN LOCK-UP
    WhiteBIT Nóva
    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: BTC or WBT on the WhiteBIT Nóva, PLU (Pluton tokens) on the Plutus Card.
EVERY FIELD

WhiteBIT Nóva vs Plutus Card, side by side

Full field-by-field comparison of the WhiteBIT Nóva and the Plutus Card
FieldWhiteBIT NóvaPlutus Card
Card typeDebitDebit
NetworkVisaVisa
Max cashbackUp to 10%Up to 9%
Rewards paid inBTC or WBTPLU (Pluton tokens)
Annual feeFree£6.99-£19.99/month (no free tier in 2026)
Monthly feeNone£6.99-£19.99
FX feeup to 1% — on Nóva EUR card transactions; no separate universal FX fee is published2.5% non-domestic
ATM fee€3 per withdrawal in EEA; €3 + 2.2% outside EEA; physical card only2.5%
Crypto conversionCrypto is spent directly from the WhiteBIT exchange balance; no separate universal card conversion fee is published in the current Nóva EUR documentationTrading fee 1% on Starter; 0% on Everyday and Premium
Where it worksAustria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, Iceland, Liechtenstein, UkraineAustria, Belgium, Bulgaria, Cyprus, Czechia, Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Spain, Sweden, United Kingdom
Self-custodyNoNo
No staking neededYesNo
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

WhiteBIT Nóva vs Plutus Card: common questions

Which is better, the WhiteBIT Nóva or the Plutus Card?

It depends on what you optimise for. WhiteBIT Nóva is a debit card advertising up to 10%; Plutus Card is a debit card advertising up to 9%. Compare their fees, regions and custody model side by side before deciding.

Can I get both the WhiteBIT Nóva and the Plutus 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

WhiteBIT Nóva review →Plutus Card review →Compare three cards instead

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