Side-by-side comparison of Gnosis Pay Card and OKX Card — fees, cashback rates, custody models, and regional availability. Updated for 2026 with our editorial verdict based on real data from both issuers.
Quick Verdict:
Both cards score closely — OKX at 3.8/5 vs Gnosis Pay at 3.6/5. OKX has a slight edge, but the best choice depends on your priorities.
| Features |  Gnosis Pay Card |  OKX Card |
|---|---|---|
| Physical only | Virtual only | |
| Self-custody | Custodial | |
| Visa Debit | Mastercard Debit | |
| €30.23 (often waived via referrals) | Free | |
| Free | Free | |
| ~1.5% stabilization fee on all transactions (marketed as 0% FX but this fee applies to every purchase) | 0.1% conversion spread (official docs); no transaction or FX fees | |
| Up to 5% in GNO tokens (0.1-100+ GNO holdings + OG NFT bonus) | Launch promotion (Jan-Feb 2026): 15-20% cashback — this promo has ended as of February 28, 2026. Regular users got 15% capped at 100 EUR; VIP users got 20% capped at 200 EUR during the promo period. Post-promo (current as of March 2026): VIP-tiered cashback at 2-5% depending on OKX VIP status. For new users without existing VIP status, the base rate is likely around 2%. EEA-only card. Cashback is paid in USDG stablecoin. Specific tier requirements and monthly caps for the ongoing program are not fully disclosed. Realistic cashback for a typical user: ~2% (post-promo). | |
| €8000/day | Based on verification and tier | |
| €200/month or 5 withdrawals free; then 2% + €1 minimum | Available with physical card | |
| EURe, GBPe stablecoins on Gnosis Chain | USDC, USDG stablecoins from OKX Pay account | |
| 32 European countries including UK, EEA, Switzerland | EEA + Brazil | |
| Get Gnosis Pay Card | Get OKX Card |
OKX Card is our pick in this matchup. Zero fixed costs give OKX a cost advantage from day one. Full Apple Pay and Google Pay support makes it practical for daily spending. However, Gnosis Pay may be better if you prefer self-custody have specific feature requirements.
Bottom line: For most crypto card users, OKX Card (3.8/5) delivers better overall value than Gnosis Pay Card (3.6/5).