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Card	Issuance	Monthly / annual	Spending feesConversion + FX	RewardsRate / cap / eligibility	EligibilityResidence & identity	Apple Pay	Google Pay	ATM withdrawals	Funding fees	Card format	Payment assets	Spending / ATM limits	Who holds funds	Apply / activate	Refunds / repayment	Usage limits
OKX CardEEA virtual App application guide Card 1	Free virtual card Eligible European users only OKX Card · EEA virtual Issuance Free virtual-card issuance Eligible European users only; no physical card is issued.	No monthly / annual fee Stablecoin spread: 0.1% OKX Card · EEA virtual Monthly / annual No monthly, annual or inactivity fee Stablecoin conversion spread still applies; no holding fee does not mean cost-free purchases.	0.1% conversion spread EUR settlement; Mastercard FX OKX Card · EEA virtual Spending fees 0.1% stablecoin conversion spread; no card FX markup Card settles in EUR; Mastercard converts non-EUR purchases. EUR billing and the stablecoin conversion spread still apply.	2% USDG · max €50/mo Eligible USDG purchases only OKX Card · EEA virtual Rewards Non-VIP 2%, capped at €50/month; VIP up to 10%/€1,000 Standard schedule effective 2026-09-01: VIP1 4%/€300, VIP2 4.5%/€450, VIP3 5%/€1,000, VIP4+ 10%/€1,000. USDG-funded purchases only, not USDC; paid in USDG usually within 72 hours of settlement. Cash, finance, insurance, education, government and other MCC exclusions apply; refunds reverse rewards. Minimum reward 0.01 EUR and 0.01 USDG after conversion.	Applications open · identity checks required Qualifying EU/Norway residents; requires an OKX Europe account, in-app availability and issuer approval. OKX Card · EEA virtual Eligibility Applications open · identity checks required Qualifying EU/Norway residents; requires an OKX Europe account, in-app availability and issuer approval.	Yes Supported OKX Card · EEA virtual Apple Pay Apple Pay supported Requires supported device, wallet market and successful enrollment.	Yes Supported OKX Card · EEA virtual Google Pay Google Pay supported Requires supported device, wallet market and successful enrollment.	No ATM withdrawals not supported Cash-like, transfer and broker funding restricted OKX Card · EEA virtual ATM withdrawals ATM withdrawals not supported Cash-like transactions, financial transfers and brokerage/crypto-exchange funding are also restricted.	Debits OKX Pay · no separate card top-up Hold supported stablecoins; network costs apply OKX Card · EEA virtual Funding fees Spend OKX Pay balance without a separate card top-up Hold supported stablecoins first; external transfer or purchase costs depend on network/channel.	Virtual Mastercard debit (prepaid BIN) OKX Card · EEA virtual Card format Virtual Mastercard debit product using a prepaid BIN No physical card or credit borrowing; some car-hire/hotel deposits and offline terminals may reject prepaid cards.	USDC and USDG stablecoins Select USDG for rewards; auto-converts to EUR OKX Card · EEA virtual Payment assets USDC and USDG held in OKX Pay Convert other assets into supported stablecoins first; automatic EUR conversion on spending. Select USDG for rewards; Exchange balances are not automatically available Pay balances.	Subject to Pay balance and risk limits Set personal per-purchase/daily limits in app OKX Card · EEA virtual Spending / ATM limits No uniform fixed EEA per-purchase/day limit; balance and risk controls apply Set personal per-purchase/day limits in Card management → Spending limits; the app shows available range. Disabled personal limits do not mean unrestricted spending. Daily limits reset 00:00 UTC; refunds do not restore allowance, except pre-settlement reversals.	OKX Pay custody · auto conversion Issued by Monavate; crypto asset, not bank deposit OKX Card · EEA virtual Who holds funds Assets stay in OKX Pay with authority for OKX to convert and settle card payments Monavate issues the card; OKX Europe manages the program. Continuous payment authority permits tips/settlement adjustments. Crypto balances are not deposit-insured bank deposits.	OKX App → Pay → Card Activate after regional access and approval OKX Card · EEA virtual Apply / activate OKX App → Pay → Card → identity/region approval → activate → select payment stablecoin Virtual card is app-only; no Card entry means unavailable for that account/region. Billing address must match the main account.	EUR settlement · refunds reverse rewards Original FX rate used; does not restore daily cap OKX Card · EEA virtual Refunds / repayment OKX converts assets to EUR for issuer settlement; merchant refunds return to the account EEA terms use the original transaction FX rate for refunds, without guaranteed compensation for FX losses. Tips/extra settlement can be debited automatically. Refunds reverse rewards and do not restore daily allowance; freeze suspicious cards and contact OKX support for disputes.	No additional terms listed OKX Card · EEA virtual Usage limits No additional terms listed
ether.fi CashCore international virtual Apply now May earn commission Card 2	First card $0 / $10 Regional quote; extra cards $10. Check before ordering. ether.fi Cash · Core international virtual Issuance First virtual card $0 or $10 by region The newer first-card fee FAQ lists AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA and TH at $10; the first card is normally free elsewhere. Additional cards after the allowance cost $10. An older limits page also lists HK, GB and SG as charged: check the regional Add Card quote before ordering. No physical card included.	No monthly / annual fee Interest and transaction fees separate. ether.fi Cash · Core international virtual Monthly / annual Core has no membership monthly or annual fee Core does not require a paid upgrade or asset threshold. Issuance, funding and FX costs are separate; borrowing interest is not covered by free membership.	No USD/EUR markup EUR beta; others ~1% + 0–0.5%, DCC separate. ether.fi Cash · Core international virtual Spending fees No FX markup for USD/EUR spend; other currencies about 1% + 0–0.5% Other currencies use Visa settlement rates with about 1% base FX cost plus 0–0.5% Core markup. Zero EUR markup is a beta rule for merchant charges actually denominated in EUR, whether funded by USDC or EURC; market currency conversion still applies. Merchant dynamic currency conversion (DCC) can add charges outside this exemption.	Up to 3% ETHFI First $2k/month standard or $800 equivalent EUR; 7-day lock, $5 claim. ether.fi Cash · Core international virtual Rewards Up to 3%, paid in ETHFI tokens Progressive calendar-month tiers: standard spend earns 3% on the first $2,000, 1% on the next $1,000 and 0.5% above $3,000. EUR spend uses USD-equivalent thresholds: 3% on the first $800, 1% from $800 to $1,500 and 0.1% above $1,500. USD and EUR share one monthly counter, not separate allowances. Rewards convert to ETHFI at clearing, lock for 7 days and require a manual claim of at least $5; token value fluctuates. ATM, transfers, taxes, gift cards, financial funding, rent, gambling and other excluded transactions earn no rewards; refunds reverse rewards.	Applications open · identity checks required Officially supported Cash jurisdiction; citizenship, identity and compliance conditions still apply. ether.fi Cash · Core international virtual Eligibility Applications open · identity checks required Officially supported Cash jurisdiction; citizenship, identity and compliance conditions still apply.	Yes Apple Pay supported Region, device and wallet verification apply. ether.fi Cash · Core international virtual Apple Pay Apple Pay supported Add card details in the device wallet and complete verification; a supported region, device and active card are required.	Yes Google Pay supported Region, device and wallet verification apply. ether.fi Cash · Core international virtual Google Pay Google Pay supported Add card details in the device wallet and complete verification; a supported region, device and active card are required.	No Separate physical card needed Physical ATM access not included. ether.fi Cash · Core international virtual ATM withdrawals ATM access requires a separate physical card This virtual-card entry does not include physical-card cash access. Official guidance lists ATM use as a physical-card feature, with separate issuance and withdrawal terms.	Onchain costs; bank route fees ACH $0.50 + 0.1%; expand for other routes. ether.fi Cash · Core international virtual Funding fees Onchain network costs apply; bank funding is route-priced Check the supported asset, network, address and transaction quote; network, protocol or bridge costs are not assumed free. Where available: USD ACH $0.50 + 0.10%; USD Wire/SWIFT $20 + 0.10%; EUR SEPA to USDC €0.90 + 0.15%, or to EURC €0.90. Other fiat routes, minimums and availability are shown in the deposit flow; route prices are not interchangeable.	Virtual Visa Physical card ordered separately. ether.fi Cash · Core international virtual Card format Visa Signature virtual credit card For online payments and supported mobile wallets. A Core physical plastic card is a separate purchase; membership tier and card form are distinct.	USDC / USDT / EURC and more Set eligible asset priority; regional restrictions apply. ether.fi Cash · Core international virtual Payment assets Direct Pay can use USDC, USDT, EURC and other supported account assets Choose eligible assets and order at Portfolio → Set Spend Priority. Guidance also lists liquidUSD, liquidEUR, liquidReserve and frxUSD, but availability is regional. Liquid is unavailable to US/UK residents or citizens; Liquid Reserve belongs to a specific US program. Use only assets and deposit networks permitted for the account; insufficient balance does not guarantee a successful payment from another asset.	Default $5,000/day Account default $10k/day and month; adjustable, balance/collateral apply. ether.fi Cash · Core international virtual Spending / ATM limits Default card daily limit $5,000; account daily/monthly limits $10,000 each These are adjustable defaults, not guaranteed maximum credit. Card and account limits both apply and the first reached blocks spend. Review or change them in Cash card Spending limits and Vault → Settings; changes may have a security delay. Direct Pay also depends on available balance; Borrow Mode depends on collateral ratios, protocol and account conditions.	Personal onchain account Spending permissions; borrowing liquidation risk. ether.fi Cash · Core international virtual Who holds funds Assets stay in a personal onchain account with spending permissions Cash connects a non-custodial wallet and Direct Pay uses available assets. Borrow Mode collateral can be liquidated as prices fall or interest accrues. Third National issues the Visa card but does not provide the protocol loan; onchain assets are not insured bank deposits.	Signup → Add Card → Virtual After verification, check the regional quote. ether.fi Cash · Core international virtual Apply / activate Sign up with ether.fi → Cash / Cards → Add Card → Virtual Confirm residence eligibility and complete verification, then review the Core first-virtual-card quote in Add Card before confirming. Obtain the card details, select a spending mode, fund the account and set limits; optionally add a mobile wallet. A physical order is not required.	Balance spend / secured borrowing Immediate loan interest; USDC refunds do not repay debt. ether.fi Cash · Core international virtual Refunds / repayment Direct Pay spends the balance; Borrow Mode accrues variable interest Borrowing accrues compound interest immediately with no interest-free grace period; check the live account APY before borrowing. Repay voluntarily; no scheduled monthly minimum does not remove collateral requirements. Refunds usually take 3–7 business days and may take 30, return as USDC and reverse rewards. A Borrow Mode refund does not automatically repay debt: repay manually or interest continues.	Borrowing is not an interest-free credit line ether.fi Cash · Core international virtual Usage limits Borrowing is not an interest-free credit line Falling collateral value or accrued interest can reduce available credit and trigger liquidation; Direct Pay is available without borrowing.

Monthly spend · USD equivalent Merchant charge currency Estimate period

Issuance, ongoing and purchase fees only; rewards not deducted. Estimate scope

Issuance, ongoing and spending fees, and their subtotal for each card, in USD
Card	Three-fee subtotalUSD · First year	Spending / year	Ongoing / year	Issuance	Assumptions
OKX CardEEA virtual	—Spending rate not estimable	—	—	—	Full fee terms OKX Card · EEA virtual Spending fees depend on region, payment assets or transaction conditions; no single rate is used. Full fee terms →
ether.fi CashCore international virtual	—Issuance quote unconfirmed	$0	$0	—	Full fee terms ether.fi Cash · Core international virtual Core, existing USDC and Direct Pay. First-card fees depend on the regional quote; EUR beta terms are not projected for a full year. help.ether.fi · 2026-09-28 help.ether.fi · 2026-09-28 help.ether.fi · 2026-09-28 Full fee terms →

Assumes a funded balance and current regular rates over 12 months. Excludes funding/network costs, ATM, exchange-rate differences, merchant surcharges and special-transaction fees. Temporary offers are not projected for a full year. “—” means unconfirmed or unsuitable for projection, not free. Ranges retain rate differences. No first-year subtotal where the regional issuance price is unclear. This is not a best-price ranking.