Orbitx Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
Get Orbitx CardCard Overview
Orbitx Card delivers premium self-custody spending with Visa Signature benefits and true non-custodial smart contract wallets where you hold the keys. Choose between Neo plastic ($100 + $12/year with $50k daily limit) or premium Lux metal ($350 + $30/year with unlimited spending), both featuring 0% deposit fees, no credit checks, and multi-currency IBAN accounts in major global currencies. Back your card with 100% USDC or USDT collateral on Polygon or Base networks (Solana/Tron coming soon), enjoying dynamic spending limits that scale with your holdings. Perfect for crypto-native users seeking institutional-grade security, premium travel protections, and borderless payment freedom across 100+ million Visa merchants while maintaining complete control of private keys.
Sweepbase verdict: Orbitx Card earns its ranking here for true self-custody — your keys remain yours until the moment of purchase and on-card yield on deposited crypto, making it a good match for DeFi users and privacy-focused holders who want full control of their keys. The main thing to weigh is a 2% FX on all non-USD for both Neo and Lux tiers foreign-exchange fee — above the market average.
This is a Visa crypto card. It uses a self-custody model.
Fees & Limits
| Issuance Fee | Neo $100; Lux $350 |
|---|---|
| Annual Fee | Neo $12/year; Lux $30/year |
| FX Fee | 2% FX on all non-USD for both Neo and Lux tiers |
| ATM Limit | Available; high ATM fees (Base + 2% + $2) |
| Spending Limit | Neo: $50000/day; Lux: Unlimited |
These figures can change. Confirm the current fees, FX and network in Orbitx’s official terms before you apply.
Features
- Card Type: Virtual + Physical
- Top up with: USDC, USDT stablecoins on Polygon, Base; Solana and Tron coming
- Available Countries: Global (B2B/CaaS model; retail issuance country list not disclosed)
Banking & Fiat Rails
Yes — named IBANs; USD, EUR, GBP, AED accounts (via partner banks)
Supported Cryptocurrencies
You can load the Orbitx Card with 3 cryptocurrency tokens. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Any blockchain via OrbitX routing; USDC-centric (non-custodial)
Who Is the Orbitx Card Best For?
The Orbitx Card is a good fit for DeFi users and privacy-focused holders who want to keep their own keys until they actually spend.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in Global availability, so it works for residents and travellers in those areas.
Best for
- DeFi users who want to hold their own keys
Avoid if
- You want a card that earns cashback
- You need traditional bank integration (IBAN, SEPA, direct debits)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Orbitx Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- True non-custodial with smart contract wallet; Visa Signature premium benefits; unlimited spending on Lux tier; multi-currency IBANs
- Works wherever Visa is accepted worldwide
- Self-custody: you keep your private keys until you spend
- Available in most countries
- Virtual card ready right away, no shipping wait
Cons
- High issuance fees ($100-$350); annual fees ($12-$30); transaction decline fees ($0.05-$0.10); 100% collateral required
- Does not offer cashback or rewards
- Card issuance fee: Neo $100; Lux $350
- Annual fee: Neo $12/year; Lux $30/year
- Requires KYC identity verification
- Full KYC required, no anonymous tier
How to Get the Orbitx Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Orbitx account
~5 minutesGo to the Orbitx website or download the app. Sign up with your email, pick a password, and accept the terms. It's free.
Complete KYC verification
1–3 business daysUpload a government-issued photo ID (passport or national ID) and take a selfie. Orbitx verifies your identity under standard AML/KYC rules.
Fund your card
Usually instantOnce verified, load your card with USDC, USDT stablecoins on Polygon, Base; Solana and Tron coming through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Orbitx Card shows up in the Orbitx app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Worldwide
The Orbitx Card is available in most countries. Some places may be excluded because of local financial regulations, so check the Orbitx website to confirm before you apply.
Available in these regions:
Frequently Asked Questions
Similar Cards Worth Comparing
