Orbitx Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
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Card Overview
OrbitX prices self-custody like a luxury good: 100 dollars plus 12 a year for Neo plastic, 350 plus 30 for Lux metal, against a 100% collateral requirement and a flat 2% FX on every non-USD transaction. It even bills declined transactions, 5 to 10 cents each. What that buys is a smart-contract wallet where you hold the keys, Visa Signature perks, named IBANs in USD, EUR, GBP and AED via partner banks, and a 50,000-dollar daily limit on Neo (unlimited on Lux). Stablecoin deposits ride Polygon and Base today, with Solana and Tron promised. There is no cashback. As a high-limit self-custody package with bank rails it hangs together. Try to justify it on value alone and the fee stack falls apart.
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.
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)
Who issues the Orbitx Card
Orbitx Card does not name its BIN sponsor in any public document we could reach. That is not unusual — around a quarter of the cards we track do the same. See our BIN-sponsor research for why disclosure varies and what it means for you.
Supported Cryptocurrencies
You can load the Orbitx Card with crypto; the 3 assets we track for it are listed below. 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)
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
- 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
A few minutesGo to the Orbitx website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerOrbitx runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad 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.
Common questions about the Orbitx Card
What are the fees for the Orbitx Card?
Where is the Orbitx Card available?
What cryptocurrencies does the Orbitx Card support?
What are the Orbitx Card's ATM and spending limits?
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