KardPay Card review: fees, cashback and limits

Name: KardPay Card
Brand: KardPay

A USDT and USDC card for 180+ countries with yearly plans and top-up fees of 3% to 5%.

By Taimoor, founder and editor Last checked 18 October 2026 1 source

3.6out of 10

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Quick answer

KardPay is a Visa or Mastercard you top up with USDT or USDC on TRON or Ethereum, usable in 180+ countries with Apple Pay and Google Pay. You buy a yearly plan: Core costs $29 a year with a 5% top-up fee and a $10,000 yearly limit, Pro $99 with 4%, and Elite $199 with 3%. A physical Elite card costs $299 a year, though the first batch has sold out. Cashback of 1% to 2% needs you to stake $3,000 to $18,000 of its KDY token for 180 days.

KardPay at a glance

Best for	People who need a quick virtual card in a country other cards don't serve.
Skip it if	You'll top up often or in large amounts; 3% to 5% per top-up is expensive.
Network	Visa or Mastercard
Card issuer	Not named (KardPay says it works with a Visa and Mastercard principal member)
Custody	Custodial. Top-ups move into a KardPay card balance.
Card type	Prepaid
Virtual or physical	Virtual on every plan. Physical Elite card (first batch sold out).
Cashback	1% to 2% with KDY staked
Annual fee	Core $29 a year, Pro $99, Elite $199 (listed down from $299), physical Elite $299. Each card is valid for one year.
Apple Pay / Google Pay	Yes / Yes
Identity check (KYC)	Required
Where it works	KardPay says the card works in 180+ countries. Check the app for your country before paying for a plan.

KardPay fees

Card cost	Included in the yearly plan
Annual or membership fee	Core $29 a year, Pro $99, Elite $199 (listed down from $299), physical Elite $299. Each card is valid for one year.
FX and cross-border	Not published
Crypto conversion	Top-up fee: 5% on Core, 4% on Pro, 3% on Elite, 4% on the physical Elite card
ATM withdrawals	Physical Elite card only, up to $1,500 a day. Fee not published.

Visa and Mastercard apply their own exchange rates on top of any card markup. Check the fee page in the KardPay app for your country before you load money. To see what KardPay would cost you in a year compared with every other card, try the cost calculator.

What a $100 purchase costs with KardPay

$5.00Paid from stablecoins in the card's own currency

Not publishedPaid from stablecoins in a foreign currency

$5.00Paid from other crypto, like BTC or ETH

$0Cashback on $100, Core tier

These are KardPay's own fees on the Core tier, before the card network's exchange rate and any ATM or top-up costs. For a full year based on your own spending, use the cost calculator.

Where it ranks by our score: #32 of 32 in Latin America #28 of 28 in Asia-Pacific #18 of 18 in Africa #21 of 21 in Middle East

Cashback and rewards

Tier 1: 1% with $3,000 of KDY staked. Tier 2: 1.5% with $6,000. Tier 3: 2% with $18,000.
Staked KDY is locked for 180 days after activation
No cashback without staking

Tier	Price or requirement	Cashback	Notes
Core	$29/year	Needs KDY stake	5% top-up fee, $10,000 a year limit
Pro	$99/year	Needs KDY stake	4% top-up fee, $50,000 a year limit
Elite	$199/year	Needs KDY stake	3% top-up fee, $500,000 a month limit
Physical Elite	$299/year	Needs KDY stake	4% top-up fee, $150,000 a month, $1,500 a day ATM

Deposits and withdrawals

How to top up

USDT or USDC on TRON (TRC-20) or Ethereum (ERC-20)

Fees: 3% to 5% by plan, plus network fees.

How to withdraw

ATM cash on the physical Elite card

Fees: Not published.

Supported assets: USDT and USDC, plus other crypto held in the KardPay wallet.

Where KardPay works

KardPay says the card works in 180+ countries. Check the app for your country before paying for a plan.

Sanctioned countries and others listed in the app.

GlobalLatin AmericaAsia-PacificAfricaMiddle East

Limits and perks

Limits

Core $10,000 a year, Pro $50,000 a year, Elite $500,000 a month
Physical Elite: $150,000 a month, $1,500 a day at ATMs

Perks

eSIM data plans payable in crypto

Pros and cons

What's good

Works in 180+ countries
Virtual card in about two minutes
Apple Pay and Google Pay

What's not

3% to 5% fee on every top-up
Yearly plan fee on top
Cashback needs thousands of dollars of KDY locked for six months
Issuer and FX fee not published

Our take on KardPay

KardPay is a simple stablecoin card: you pick a yearly plan, send USDT or USDC on TRON or Ethereum, and get a virtual card you can add to Apple Pay or Google Pay within minutes. It says it works in more than 180 countries, which makes it an option where bigger cards aren't available.

The pricing is the catch. On top of the yearly plan ($29 to $299), every top-up costs 3% to 5%. Load $500 on Core and $25 goes in fees before you've spent anything. Cashback exists, but only if you stake $3,000 or more of KardPay's own KDY token for 180 days, which adds token risk.

Useful as a backup card where options are thin. For regular spending, its top-up fees make it one of the most expensive cards we track.

How we scored KardPay: 3.6/10

Methodology

Fees 30%

2 Yearly plan plus 3% to 5% on every top-up.

Rewards 20%

3 1% to 2% only with a large KDY stake.

Control 20%

3 Custodial, issuer not named.

Reach 15%

8 180+ countries.

Flexibility 15%

4 USDT and USDC on two networks.

KardPay FAQ

How much does the KardPay card cost?

Plans cost $29 (Core), $99 (Pro), $199 (Elite) or $299 (physical Elite) a year, plus a 3% to 5% fee on every top-up.

Does KardPay pay cashback?

Only if you stake KDY tokens. 1% needs $3,000 staked, 1.5% needs $6,000 and 2% needs $18,000, locked for 180 days.

Sources

KardPayPlans, top-up fees, limits, cashback tiers, checked Oct 18, 2026

We checked these sources on 18 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.