WhiteBIT Nova USD Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
Get WhiteBIT Nova USD CardNot a partner link. We earn nothing from this card; it goes straight to the issuer.
Fees and limits
| Issuance fee | Free |
|---|---|
| Annual fee | None; no monthly, inactivity or closure fee |
| FX fee | 1.5% conversion fee that 'may also apply' (WhiteBIT does not say on which purchases), on top of the transaction fee…The fine print… charged on every purchase: 1.5% + 0.20 USD in the help centre tariff, 1% + 0.20 USD on the card page |
| ATM limit | No ATM access yet; once enabled 2,000 USD per withdrawal and 10,000 USD a day |
| Spending limit | 40,000 USD a day, 200,000 USD a month |
Fees change; the current ones are in WhiteBIT Nova USD’s terms.
Features
- Welcome bonus: 5% cashback
- Cashback: Up to 10% by category, cap 25 USD/mo
The fine print
- Category cashback in BTC or WBT of up to 10% by category on the card page (Subscriptions 10%, Taxi and Pets 5%, Entertainment and Gaming 2%, most others 1%)
- Pick 3 categories, changeable once every 7 days, and rates 'can change dynamically'
- Capped at 25 USD a month, withdrawable from 5 USDC
- New users get 5% cashback on their first transaction
- KYC: Yes, a separate 'Nova USD Card' verification level on top of exchange KYC
- Card type: Virtual only
- Top up with: No card top-up: purchases are deducted automatically from the exchange Main balance in the assets you select…
Full list
… (USDT, USDC, BTC, ETH, XRP, SOL, NEAR, ADA, AVAX, WBT, EURI, DOGE), with all conversions processed through USD
- Available countries: Armenia, Azerbaijan, Bangladesh, Brunei, Djibouti, Eritrea, Ethiopia, India, Kazakhstan, Kuwait, Kyrgyzstan, Malaysia…
Full list
… Mauritania, Mongolia, Oman, Qatar, Singapore, Sri Lanka, Tajikistan, Tanzania, Turkmenistan, Andorra, Argentina, Aruba, Australia, Benin, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Bouvet Island, Brazil, British Indian Ocean Territory, Chad, Chile, China, Christmas Island, Comoros, Republic of the Congo, Dominican Republic, Ecuador, El Salvador, Falkland Islands, Faroe Islands, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Ghana, Greenland, Grenada, Guadeloupe, Guinea, Heard Island and McDonald Islands, Honduras, Indonesia, Israel, Côte d'Ivoire, Japan, Kenya, Kiribati, Laos, Lesotho, Liberia, Macao, North Macedonia, Madagascar, Malawi, Maldives, Martinique, Mauritius, Mayotte, Mexico, Federated States of Micronesia, Montserrat, Namibia, Nauru, Nepal, New Caledonia, New Zealand, Niue, Norfolk Island, Papua New Guinea, Paraguay, Rwanda, Réunion, Saint Pierre and Miquelon, Sierra Leone, Solomon Islands, Republic of Korea, Suriname, Svalbard and Jan Mayen, São Tomé and Príncipe, Taiwan, Thailand, Timor-Leste, Togo, Tokelau, Tonga, Tuvalu, Uruguay, Holy See, Wallis and Futuna, Zambia, Åland Islands, Cocos Islands, Ukraine, Moldova, Montenegro, Switzerland, Serbia, Georgia
Who issues the WhiteBIT Nova USD Card
The WhiteBIT Nova USD Card is issued by JSC Hash Bank, Georgia (country) (Bank (licence details not checked)). The issuer is named in the source linked below. "Nova USD is a debit Visa card issued in partnership with JSC Hash Bank." The card terms PDF it links to could not be read.
Primary source · All cards issued by JSC Hash Bank · Why the issuer matters
Supported cryptocurrencies
You can load the WhiteBIT Nova USD Card with crypto; the 9 assets we track for it are listed below.
Pros and cons
Pros
- No issuance, monthly, inactivity or closure fee
The fine print
- Spends 12 assets straight from the exchange balance with no top-up step
- Apple Pay and Google Pay
- Available in India, Brazil, Ukraine, Switzerland and Georgia
- No waitlist
- Earn up to 10% cashback on eligible purchases
- No annual maintenance fee
Cons
- A transaction fee on every purchase, 1.5% plus 0.20 USD in the help centre tariff and 1% plus 0.20 USD on the card…
The fine print
- … page, not refunded when a purchase is refunded
- A 1.5% conversion fee may also apply
- Cashback capped at 25 USD a month
- No ATM withdrawals yet
- Virtual only
- Not available in the US, the UK or Canada
- No IBAN or bank-account features
Regional availability
Available in Eastern Europe
Countries on both WhiteBIT lists, including India, Brazil, Ukraine, Switzerland and Georgia. The card page excludes Saudi Arabia, Egypt, Morocco, Türkiye, the United Arab Emirates and other countries that the help centre lists as available. Not available in the United States, the United Kingdom, Canada, Russia or Belarus, where WhiteBIT services are restricted.
Banking and fiat rails
Card overview
The Nova USD Card is the WhiteBIT exchange's dollar card: a virtual Visa debit issued in partnership with JSC Hash Bank. It is not available in the US, the UK or Canada, where WhiteBIT services are restricted, and WhiteBIT's two country lists disagree: the help centre lists 132 countries and territories, while the card page excludes 19 of them, among them Saudi Arabia, Egypt, Morocco, Türkiye and the UAE. Countries on both lists include India, Brazil, Ukraine, Switzerland and Georgia.
WhiteBIT says it is a separate product from the Nova EUR card, which is paused while it moves to WhiteBIT Europe. There is no top-up step: purchases are deducted automatically from the exchange Main balance in the assets you select, 12 of them, with every conversion processed through USD. It is free to open and hold, but every purchase pays a transaction fee, 1.5% plus 0.20 USD in the help centre tariff and 1% plus 0.20 USD on the card page, and WhiteBIT says a 1.5% conversion fee may also apply without saying on which purchases.
Cashback comes from three categories you choose, up to 10% by category on the card page (Subscriptions 10%, Taxi and Pets 5%, Entertainment and Gaming 2%, most others 1%), capped at 25 USD a month. Apple Pay and Google Pay are supported; ATM withdrawals are not live yet.
- Best fit
- WhiteBIT users in the supported countries who spend in US dollars online
- Wrong card if
- you spend in local currency, where the fees may stack, or you need cash
Common questions about the WhiteBIT Nova USD 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.
