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OKX Card

OKXMastercard / Visa · DebitIssued in: EEA, Australia, Singapore, Brazil, GH, Nigeria, UG, RW, South Africa, PK

Best for: International spending, Subscriptions, Okx users, Mobile wallets, Stablecoin spending

Editorial score

Score91.9
Criteria covered100%
Confidence91%
Rank score89.9
v7
Fees16%100
Security16%100
Sign-up access12%100
Issuer / regulation11%100
Transparency10%100
Cashback9%41
Limits7%100
Country support7%90
Custody7%75
Compatibility3%89
X followers2%100

How the editorial score is calculated

Every number in this section comes from a deterministic formula applied to this card's verified data fields. Nothing is hand-tuned and nothing is voted on: the same record under the same scoring version always produces the same numbers.

1 · Eleven criteria, fixed weights

Each criterion is scored 0–100 from the raw fields. Money and percentages pass through fixed step ladders (an FX fee of 0% scores 100, 0.5% → 90, 1% → 75, 2% → 40, above 3% → 0), boolean features earn listed points, and compatibility is shrunk towards the mean so a card tested on 2 of 2 services does not outrank one tested on 16 of 18. The weights are identical for every card and add up to 100.

CriterionWeightScoreContribution
Fees1610016/16
Limits71007/7
Cashback941.33.7/9
Security1610016/16
Issuer / regulation1110011/11
Custody7755.3/7
Country support7906.3/7
Compatibility389.22.7/3
X followers21002/2
Transparency1010010/10
Sign-up access1210012/12

Base score = sum of contributions ÷ sum of the weights actually known.

Transparency measures whether the provider itself discloses what a customer needs to know: the legal issuing entity and its licence, the fee schedule, limits, the custody model, reward terms, the country list, plus an official site and a public channel. Each item is graded by where our editors verified it — on the provider’s own site 100, a reliable third-party report 60, a text citation 40; items we could not source are left out rather than scored 0. A provider whose issuer page names no legal entity scores 0 on that item.

Sign-up access asks whether a new reader can actually get the card today: open sign-up 100, invite-only 70, waitlist 10, closed to new users 0. Editors set availability.onboarding.mode after checking the sign-up flow; without an explicit entry the mode is assumed from the card status (active → open, beta → invite, waitlist → waitlist). A great card you cannot obtain should not top the list — and because the published terms of a waitlisted or closed card have not been tested by real users yet (you only learn the truth once you can spend with it), its rank score is additionally multiplied by 0.95 (invite), 0.80 (waitlist) or 0.70 (closed).

2 · Unknown is not zero

A field we have not verified is stored as null, which is deliberately different from a verified “no” and from a verified zero. A criterion with too little known data is dropped from the average instead of scoring 0, so a card is never punished in product quality for a gap in our research. Criteria covered reports how much of the weight survived — it tells you how much of the Score rests on real data.

3 · Confidence — how well documented the record is

Quality and evidence are measured separately. Twelve data sections each contribute weight × completeness × source factor × freshness factor. Source factor: issuer’s own page 1.00, other URL 0.90, plain-text citation 0.85, no source 0.75. Freshness factor: verified within 180 days 1.00, within a year 0.90, older 0.80, never verified 0.85.

Data sectionWeightCompleteSourceVerifiedContribution
Issuer / regulation20100%officialtoday20.00
Security1576%officialtoday11.40
Fees1590%officialtoday13.50
Limits12100%officialtoday12.00
Cashback12100%officialtoday12.00
Custody8100%officialtoday8.00
Country support4100%officialtoday4.00
Funding4100%officialtoday4.00
ATM3100%officialtoday3.00
Mobile wallets367%officialtoday2.00
Compatibility438%officialtoday1.52
X followers2100%URL4d ago1.80
Confidence10293.22 → 91%

4 · Rank score — what the list is sorted by

Product quality alone would let a thin record with three flattering criteria beat a fully documented card. So for ranking, every criterion still unknown is imputed a weak 40 at its own weight, and the result is then damped by confidence. Consequence: filling in a criterion that scores above 40 always improves the rank, and a fully documented card can never be overtaken by an equally good card with gaps. Ties break on coverage, then on confidence.

Score91.991.9
Criteria covered100 / 100100%
Confidence93.22 / 10291%
Rank score(1.00 × 91.9 + 0.00 × 40) × (0.75 + 0.25 × 0.91)89.9

5 · Penalties

Editor-recorded deductions, plus one automatic deduction when the issuing entity cannot be identified, are subtracted in raw points after the weighted average.

No penalty applies to this card.

Reproducibility

Scores are recomputed whenever the card record changes and cached in the database; the raw record stays the source of truth. Only numeric, boolean and enum fields are read — translated text never moves a score.

v7 · 2026-09-08

KYC · Full

Invite codeNot required
National IDRequired
PassportRequired
Proof of addressRequired
Phone numberRequired
SelfieRequired
Liveness checkRequired
Source of fundsUnknown
KYC strictness10/10

Full OKX identity verification is required. Accepted documents vary by jurisdiction. Official OKX card guidance for selected African markets explicitly requires a valid ID and proof of address; other regional flows may use different address-verification methods, so this should be read as a possible/market-dependent requirement rather than universal identical paperwork.

Sign-up: Open sign-up · since 2026-01 — Apply and activate in the OKX app after completing KYC and activating OKX Pay. Availability is jurisdiction-dependent. Official OKX materials confirm EEA access and separate launches/availability in Australia, Singapore, Brazil, Ghana, Nigeria, Uganda, Rwanda, South Africa and Pakistan; additional jurisdictions may be enabled under OKX's global eligibility rules. · Source

Pays for

Mobile walletsApple PayGoogle PaySamsung Pay
AIChatGPT2026-09-08Claude2026-09-08GeminiMidjourney
CloudAWSGoogle CloudCloudflareDigitalOcean
SubscriptionsNetflix2026-09-08Spotify2026-09-08YouTube2026-09-08Telegram PremiumTradingview2026-09-08Nansen2026-09-08Apple Music2026-09-08
AdsGoogle AdsMeta AdsTikTok Ads
MerchantsAmazonAliExpressShopee
ATMNot workingNo ATM withdrawals or cash-out. Current OKX Card is virtual-only; legal product documents explicitly exclude ATM withdrawals/cash advances.
Confirmed workingMixed reportsNot workingUnknown

Fees

Virtual card issuanceFree
Physical card issuanceUnknown
Monthly feeFree
Annual feeFree
FX fee0% · OKX charges 0% additional FX fee. The card network's exchange rate still applies when merchant currency differs from the settlement currency; settlement currency and network vary by region.
Crypto conversion0% · Regional pricing varies. Many OKX Card markets (including Australia, EEA, Africa and Pakistan) disclose a 0.10% stablecoin conversion spread; the current generic USD fee page reports 0% spread for USDT/USDC/USDG→USD, while Singapore charges 0.10% for USDT→USD and stablecoin→SGD conversions.
Spread0.1%
Transaction fee0% charged by OKX
FX fee0% (product page 2026-09-05)
Conversion spread0%–0.10% depending on region, asset and settlement currency
Inactivity fee0
Card issuance0; virtual card only

Limits

Limit typeBalance-based (no hard limit)
Adjustable by userYes
SummaryNo universal fixed daily or per-transaction issuer limit is published: spending is primarily limited by the available OKX Pay balance and risk controls. OKX also provides optional/region-dependent per-transaction and daily spending controls in the app; regional maximum settings can vary. Velocity and behavioural risk checks may still decline unusually large or abnormal transactions.

Funding

Funding methods Exchange balance, Crypto / stablecoin
Supported assetsUSDG, USDT, USDC
Supported chainsX layer, Ethereum, Tron
Crypto to fiatAuto-convert at transaction
Fiat depositUnknown
SummaryCard transactions are funded from the OKX Pay smart-wallet balance. OKX Pay supports USDT, USDC and USDG; the card auto-converts at purchase. Pay is built on X Layer and can receive/send supported stablecoins through X Layer, Ethereum, TRON and additional supported networks. Cashback is generally earned only on the USDG-funded portion of eligible purchases.

Rewards

CashbackYes
Base rate2%
Max rate10%
Monthly cap1500 USDG
Tiers
  • Regular user · 2% · No VIP level. Monthly cap varies materially by region (for example 50 EUR EEA, 50 USDG Australia, 50 USD Singapore, 30 USD Brazil; some newer markets publish lower caps).
  • VIP 1 · 4% · OKX VIP 1; regional monthly cap applies.
  • VIP 2 · 4.5% · OKX VIP 2; regional monthly cap applies.
  • VIP 3 · 5% · OKX VIP 3 in EEA/Australia/Singapore/Brazil programs; some newer global-market materials publish an 8% VIP 3+ rate instead.
  • VIP 4+ · 10% · OKX VIP 4 or higher; regional monthly cap applies. Highest published ongoing cap found is 1,500 USDG/USD in Australia/Brazil; EEA cap is 1,000 EUR.
Conditions
  • Cashback is paid in USDG and generally applies only to the USDG-funded portion of eligible settled purchases.
  • Cashback rates are 2% / 4% / 4.5% / 5% / 10% in the EEA, Australia, Singapore and Brazil programs; some newer global-market materials show an 8% VIP 3+ tier.
  • Monthly caps vary substantially by jurisdiction and VIP tier. The 1,500 value is the highest published ongoing monthly cap, not a universal cap.
  • EEA rates were updated effective 1 September 2026: 2% non-VIP with 50 EUR monthly cap, 4% VIP1/300 EUR, 4.5% VIP2/450 EUR, 5% VIP3/1,000 EUR, 10% VIP4+/1,000 EUR.
  • Australia terms updated 3 September 2026 publish caps of 50 / 400 / 900 / 1,500 / 1,500 USDG for Regular through VIP4+.
  • Excluded transactions include restricted MCCs, cash/quasi-cash, money transfers, crypto/account funding, gambling, government payments and refunded/reversed transactions.
Reward assetUSDG
Staking requiredNo
Token holding requiredNo
Perks
  • USDG cashback from 2% up to 10% by OKX VIP level; no staking lockup required.
  • OKX Pay may earn USDG rewards/APY, with published regional campaigns advertising 4%–10% by VIP tier; availability and caps vary.
  • Selected users can receive lifestyle subscription rebates on services such as ChatGPT, Claude and Netflix; Singapore Accredited Investors can receive up to 20 USDG/month for the first 12 months on a broader subscription list.
  • Virtual card can be added to Apple Pay or Google Pay for contactless spending.

Security

CustodyHybrid
IssuerBano Pty Ltd
Program manager / partnerOKX / regional OKX entity; EEA program uses OKX Europe Limited and UAB Monavate as issuer
Issuer countryau
Regulated entityOKX / regional regulated entity
JurisdictionAustralia/global program; EEA has a separate regulated issuer
LicenseAFSL 536984 (Bano); EEA issuer UAB Monavate EMI License LB002139
RegulatorASIC / Bank of Lithuania (EEA issuer)
Consumer protection
  • Global/Australia OKX Card legal documents name Bano Pty Ltd as issuer under AFSL 536984.
  • For EEA residents, the card is issued by UAB Monavate, authorised by the Bank of Lithuania as an Electronic Money Institution (LB002139), with OKX Europe Limited as program manager.
  • OKX Pay/Card balances are stablecoins in a smart-contract wallet, not bank deposits, and are not covered by deposit insurance or the Australian Financial Claims Scheme.
  • Dispute support and chargeback processes are available; Australia users can escalate eligible complaints to AFCA.
Freeze cardYes
Two-factor authYes
Biometric authYes
PasskeyYes
3-D SecureYes
Spending controlsYes
Merchant controlsUnknown
Transaction notificationsYes
ChargebackYes
Dispute supportYes
Fraud protectionYes
Deposit insuranceNo

Merchant usage

Virtual cardYes
Physical cardNo
OnlineYes
In storeYes
ContactlessYes
Recurring paymentsYes
SubscriptionsYes
ATM withdrawalsNo
ATM worldwideNo
Base currenciesUSD, EUR, SGD

Editorial

A virtual stablecoin spending card connected to OKX Pay, issued on Mastercard or Visa depending on region. It has no issuance/monthly/annual fee in published markets, 0% additional OKX FX fee and typically a 0%–0.10% conversion spread. OKX Pay uses a 2-of-2 AA smart wallet with passkey/biometric authorization, while the card adds Apple Pay/Google Pay, 3D Secure and in-app freeze controls. Cashback starts at 2% and can reach 10%, but caps and eligibility vary significantly by jurisdiction. Confirmed availability includes the EEA plus Australia, Singapore, Brazil, selected African markets and Pakistan; additional global jurisdictions are subject to in-app eligibility.

Pros

  • 0 card issuance, monthly and annual fees in published regional fee schedules
  • 0% additional OKX FX fee; conversion spread is generally 0%–0.10% depending on region/asset
  • 2% base cashback and up to 10% by VIP tier, with no staking lockup
  • OKX Pay uses a 2-of-2 Account Abstraction smart-wallet architecture with passkey/biometric authorization
  • Apple Pay and Google Pay supported; 3D Secure and instant in-app freeze available
  • Stablecoin spending from USDG/USDT/USDC with automatic conversion at purchase
  • Official subscription rebates confirm support for major services including ChatGPT, Claude and Netflix in eligible programs

Cons

  • Virtual card only; no ATM withdrawals or cash-out
  • Card availability, card network, settlement currency, conversion spread and reward caps vary substantially by jurisdiction
  • Highest cashback tiers require high OKX VIP status; base-user monthly cashback caps can be modest in some regions
  • Cashback is generally limited to the USDG-funded portion of eligible purchases
  • Restricted MCCs exclude money transfers, quasi-cash, crypto/account funding, gambling and several financial-service categories

Links

Official sitehttps://www.okx.com/vi/pay
X (Twitter)@okx · 5.6M followers
Applyhttps://www.okx.com/vi/pay

Verification

Last verified2026-09-08
Statusverified
Data qualityhigh
Sourcehttps://www.okx.com/en-sg/help/whats-okx-card ; https://www.okx.com/fr/help/okx-cardholder-agreement-bolt-tmd ; https://www.okx.com/en-au/help/okx-card-product-disclosure-statement ; https://www.okx.com/en-eu/help/okx-card-eea-ongoing-cashback-faq ; https://www.okx.com/en-sg/learn/okx-crypto-card-africa ; https://www.okx.com/vi/learn/okx-crypto-card-south-asia

Fees and requirements change often. Confirm on the issuer's site before applying. Referral codes are provided as listed by the source.

Disclaimer: this page is compiled by A.I. and our editors from public sources. It is for reference only, is not financial, legal or tax advice, and may be out of date or incomplete. Always verify with the issuer before applying — gimgs.net accepts no liability for any decision made based on this information.