ORBITX CARD
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $12/YEAR |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | UP TO 2% |
| APR / YIELD | NO |
| CARD TYPE | CREDIT CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $500 |
| DAILY LIMIT | $50,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $30/YEAR |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | UP TO 1% |
| APR / YIELD | NO |
| CARD TYPE | CREDIT CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $1,000 |
| DAILY LIMIT | UNLIMITED |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $2/MONTH/EMPLOYEE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | UP TO 1.5% |
| APR / YIELD | NO |
| CARD TYPE | CREDIT CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | DYNAMIC |
No official whitelist of supported countries is published.
- This is a credit card secured by stablecoin collateral, not a prepaid debit card. You borrow against your collateral and must repay.
0% APR on purchases currently applies, but Issuer and OrbitX reserve the right to introduce interest on new purchases in the future.
The international OrbitX Spend Card cannot be used by US citizens. The terms explicitly state: "You attest that you are not a United States citizen."
- Physical cards cost extra: $100 (Neo plastic) or $350 (Lux metal) on top of the annual fee. Virtual cards are free.
IBAN/multi-currency accounts confirmed (USD, EUR, GBP, AED, NGN, BRL, MXN, COP, PHP).
THE REAL STORY ON THIS CARD.
- Non-custodial control over collateral via smart contracts
- No minimum deposit/collateral requirement
- 0% APR on purchases
- Apple Pay and Google Pay support
- Premium Signature-tier benefits on Lux tier
- Multi-currency IBAN accounts
- No deposit fees
- Corporate cards available
- 21-day payment grace period (US terms)
- Physical card not included (additional $100-$350)
- Foreign transaction fee: 1-2%
- Limited crypto support (USDT, USDC only)
- Cannot be US citizen (international card)
- Smart contract liquidation risk
- Limited live blockchain support
- $69 returned payment fee
GENERAL QUESTIONS.
OrbitX Pay offers two consumer card tiers:
• Neo – Basic Visa Platinum card.
• Lux – Premium Visa Signature® card.
Each card comes with virtual and physical versions (Neo: plastic, Lux: metal).
• Neo: $12/year membership; Forex fee 2%; ATM withdrawal $500/day.
• Lux: $30/year membership; Forex fee 1%; ATM withdrawal $1,000/day.
• Optional card issuance fees may apply (plastic vs metal).
OrbitX Pay cards are available globally, except in prohibited jurisdictions including Iran, India, Turkey, Belarus, Venezuela, China, and others. Users must complete KYC to activate the card.
