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COMPANY detail
OKX card
a card that speaks fluent crypto
CARD FEATURE OVERVIEW.
CARD NAME
OKX CARD
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This card is part of the best crypto cards for the following groups:
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
€50/MO NON-VIP
NEED KYC
YES
FX FEE
0%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NON CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
NO
ATM LIMIT
€0
DAILY LIMIT
DYNAMIC
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OKX CARD
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | €50/MO NON-VIP |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | €0 |
| DAILY LIMIT | DYNAMIC |
Last Updated: Oct 20, 2026
CASHBACK
Cashback may change, be available for a limited time, have limits, or even be awarded in points or other forms. For precise details, always check the card’s website.
REGIONAL AVAILABILITY
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Available
Restricted
Not Specified
Cashback — current EEA schedule
Effective from September 1, 2026, the published rates are:
VIP tier - Cashback - Monthly cap - Spend to reach cap
Non-VIP: 2% - €50 - €2,500
VIP 1: 4% - €300 - €7,500
VIP 2: 4.5% - €450 - €10,000
VIP 3: 5% - €1,000 - €20,000
VIP 4+: 10% - €1,000 - €10,000
Cashback is exclusive to eligible USDG-funded purchases; USDC spending earns zero cashback regardless of VIP tier. Excluded categories include gambling, insurance, professional services, education, business support, government payments, transfers and ATM withdrawals. Eligibility depends on the merchant category code (MCC), so even ordinary purchases may be excluded if the merchant is misclassified. Monthly caps apply, and cashback may be reversed if a purchase is refunded.
- CARD TYPE: VIRTUAL + PHYSICAL (PHYSICAL ROLLOUT BY REGION)
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- No OKX card issuance fee for the virtual card
- No monthly, annual or inactivity fee listed
- 0% OKX FX fee; transparent 0.1% stablecoin-to-EUR conversion spread
- Up to 10% cashback by VIP tier on eligible USDG purchases
- Apple Pay and Google Pay support
- Physical-card and ATM functionality rolling out in eligible regions
- OKX Pay supports crypto transfers across X Layer, Ethereum, TRON and other supported networks
CONS
[ LIMITATIONS ]
- Cashback requires USDG; USDC purchases do not earn it
- Monthly cashback caps and merchant-category exclusions apply
- The 0% FX headline does not remove the 0.1% crypto-to-EUR conversion spread
- ATM withdrawals require an eligible physical card; fees and limits vary by region and VIP tier
- Physical-card availability and delivery charges depend on regional rollout
- Daily and monthly spending restrictions still apply in the EEA
- Complete card-issuance whitelist and blacklist are not publicly disclosed
- Separate USDG yield features are not guaranteed card benefits and are jurisdiction-dependent
GENERAL QUESTIONS.
Yes. OKX does not charge transaction fees or FX fees when using the card. A small market-rate conversion spread (0.4%) applies when converting crypto to fiat at the time of purchase.
You earn crypto back instantly on eligible purchases done with USDG. During the launch period, you can earn up to 20% cashback in your first month. No staking or lockups required.
Yes. The OKX Card is issued in compliance with European regulations and OKX is licensed under MiCA, with Mastercard® as the payment network.
Open the OKX App, request your card, activate it in-app, and top up your OKX Pay account with supported assets. You can start spending immediately once activated.
The OKX Card supports payments with USDC or USDG, which you can hold in your OKX Pay account.
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