OKX Card Review 2026

Name: OKX Card
Brand: Mastercard
Availability: InStock

Reviewed by Mihail B. in October 2026 · Data verified October 13, 2026 · how we verify

4.2 / 5.0Sweepbase rating

Algorithmic score, not user reviews: how it is calculated

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CustodyCustodial

NetworkMastercard Debit

Cashback2-10% (VIP tiers)

RegionsEEA + Brazil

Fees and limits

Issuance fee	Free
Annual fee	Free
FX fee	0.1% conversion spread in the EEA, no transaction or FX fee; Brazil has no FX fee or IOF, and buying stablecoins with BRL costs up to 1.5%
ATM limit	Not available (virtual card only)
Spending limit	Based on verification and tier

Fees change; the current ones are in OKX’s terms.

Features

Cashback: 2-10% (VIP tiers)
The fine print
- EEA, from 1 September 2026: non-VIP 2% capped at 50 EUR a month, VIP 1 4% capped at 300 EUR, VIP 2 4.5% capped at 450 EUR, VIP 3 5% capped at 1,000 EUR, VIP 4+ 10% capped at 1,000 EUR
- Only on purchases paid with USDG, credited in USDG
- Since 19 August 2026 select EEA cardholders also get 50% back on Claude, ChatGPT and Netflix subscriptions, up to 10 EUR a month in USDG, outside the regular cap
- Brazil: 2% for all users capped at US$30 a month, VIP 1 4% (US$400), VIP 2 4.5% (US$900), VIP 3 5% (US$1,500), VIP 4 10% (US$1,500), only on purchases settled in USDG
- The FAQ on the same Brazilian page still says up to 5%
KYC: Yes
Card type: Virtual only
Top up with: USDC or USDG held in OKX Pay (EEA); USDG, USDC or USDT in OKX Pay, bought with BRL if needed (Brazil)
Available countries: Brazil, Norway, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany…
Full list
- … Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
- Iceland and Liechtenstein excluded

Who issues the OKX Card

The OKX Card is issued by Monavate Limited + UAB Monavate, UK (FCA 901097) + Lithuania (Bank of Lithuania). The issuer is named in the source linked below. This covers the EEA card.

Primary source · All cards issued by Monavate Limited + UAB Monavate · Why the issuer matters

Supported cryptocurrencies

You can load the OKX Card with crypto; the 2 assets we track for it are listed below.

Networks & deposit details: Stablecoins held in OKX self-custody wallet (Ethereum, Solana, Polygon, BNB, Arbitrum, etc.)

USDCUSD CoinUSDTTether

Pros and cons

Pros

✓
No issuance, annual, transaction or FX fee
The fine print
- 0.1% conversion spread only
- 2% to 10% cashback in USDG by VIP level
- Apple Pay and Google Pay
- No manual top-up, the card spends the OKX Pay balance
Banking rails: SEPA support
Multi-chain top-up across 5+ networks

Cons

✗
Only the EU, Norway and Brazil
The fine print
- Virtual card only
- Stablecoins only
- Cashback only on USDG purchases and capped at 50 EUR a month for non-VIP users
- Higher tiers need OKX VIP status

Regional availability

Available in EEA + Brazil

The OKX Card is available in EEA + Brazil: Brazil, Norway, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland and 13 more.

Card overview

OKX has one of the simplest fee models we list. In the EEA there is no transaction fee and no FX markup, only a 0.1% conversion spread on the published rate sheet. Mastercard Debit, virtual only, no physical card option. EEA and Brazil only.

The card converts USDC and USDG balances to euros or BRL at checkout. In the EEA cashback applies only to purchases paid with USDG and is credited in USDG: 2% for non-VIP users, capped at 50 EUR a month, then 4%, 4.5% and 5% for VIP 1 to 3 and 10% from VIP 4, with caps from 300 to 1,000 EUR a month; higher tiers require asset balance or trading volume on the OKX exchange. Brazil pays 2% for all users, capped at US$30 a month, up to 10% at VIP 4, also only on purchases settled in USDG.

Funding requires moving stablecoins from the OKX self-custody wallet onto OKX Pay, with no direct on-chain top-up from an external wallet. In Brazil, USDG held in OKX Pay earns 4% a year on balances up to US$10,000, up to 10% at VIP 3 and 4, and 3.5% above US$10,000, paid weekly, and the card spends that same balance; the EEA pages publish no yield. No IBAN is confirmed, and there is no ATM access (virtual card only). SEPA runs through OKX's Malta PI license.

Best fit: EEA traders who already hold stablecoins on OKX and will pay in USDG. Wrong product if you want uncapped cashback on any currency or a physical card.

Common questions about the OKX Card

We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.

What are the fees for the OKX Card?

The one charge on the OKX Card is its FX fee: 0.1% conversion spread in the EEA, no transaction or FX fee. No issuance or annual fee.

Is the OKX Card legit, and who is behind it?

The issuer of record for the OKX Card is Monavate Limited + UAB Monavate, UK (FCA 901097) + Lithuania (Bank of Lithuania), named in the terms published at okx.com. This covers the EEA card.

Is the OKX Card worth it?

What the OKX Card offers is its 2-10% cashback rewards and no card or annual fee. Against it: Only the EU, Norway and Brazil.

How does the OKX Card cashback work?

EEA, from 1 September 2026: non-VIP 2% capped at 50 EUR a month, VIP 1 4% capped at 300 EUR, VIP 2 4.5% capped at 450 EUR, VIP 3 5% capped at 1,000 EUR, VIP 4+ 10% capped at 1,000 EUR. Only on purchases paid with USDG, credited in USDG. Since 19 August 2026 select EEA cardholders also get 50% back on Claude, ChatGPT and Netflix subscriptions, up to 10 EUR a month in USDG, outside the regular cap.