COMPANY detail

PENGU CARD

Pengu enters the consumer finance
Card Fallback

CARD FEATURE OVERVIEW.

PENGU CARD - STANDARDPENGU CARD - PREMIUMPENGU CARD - LUX
TIERS
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
1.5%
NEED KYC
YES
FX FEE
UP TO 1.75%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
visa
BLOCKCHAIN
ethereumtronsolanapolygonarbitrum
REGION
GLOBAL
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$750
DAILY LIMIT
UNLIMITED
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W BONUS
NONE
REG FEE / REQ
$1,000/YEAR
CASHBACK
2%
NEED KYC
YES
FX FEE
UP TO 1.75%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
visa
BLOCKCHAIN
ethereumtronsolanapolygonarbitrum
REGION
GLOBAL
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$750
DAILY LIMIT
UNLIMITED
GET THE CARD
GET IT NOW
W BONUS
NONE
REG FEE / REQ
$10,000/YEAR
CASHBACK
3%
NEED KYC
YES
FX FEE
UP TO 1.75%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
visa
BLOCKCHAIN
ethereumtronsolanapolygonarbitrum
REGION
GLOBAL
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$750
DAILY LIMIT
UNLIMITED
GET THE CARD
GET IT NOW
STANDARD
W BONUS NONE
REG FEE / REQ FREE
CASHBACK 1.5%
NEED KYC YES
FX FEE UP TO 1.75%
APR / YIELD YES
CARD TYPE VIRTUAL AND PHYSICAL CARD
CARD NETWORK visa
BLOCKCHAIN ethereumtronsolanapolygonarbitrum
REGION GLOBAL
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT $750
DAILY LIMIT UNLIMITED
GET IT NOW
PREMIUM
W BONUS NONE
REG FEE / REQ $1,000/YEAR
CASHBACK 2%
NEED KYC YES
FX FEE UP TO 1.75%
APR / YIELD YES
CARD TYPE VIRTUAL AND PHYSICAL CARD
CARD NETWORK visa
BLOCKCHAIN ethereumtronsolanapolygonarbitrum
REGION GLOBAL
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT $750
DAILY LIMIT UNLIMITED
GET IT NOW
LUX
W BONUS NONE
REG FEE / REQ $10,000/YEAR
CASHBACK 3%
NEED KYC YES
FX FEE UP TO 1.75%
APR / YIELD YES
CARD TYPE VIRTUAL AND PHYSICAL CARD
CARD NETWORK visa
BLOCKCHAIN ethereumtronsolanapolygonarbitrum
REGION GLOBAL
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT $750
DAILY LIMIT UNLIMITED
GET IT NOW
Last Updated: Sep 10, 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
CLICK TO VIEW MAP
Available
Restricted
Not Specified

FX fee applies on top of ATM fees when withdrawing non-USD: $3 + 2% + 0.5–1.75%.

THE REAL STORY ON THIS CARD.

PROS
[ STRENGTHS ]
  • thumbs-up-fill Free Standard tier with 1.5% instant USD cashback
  • thumbs-up-fill 0% top-up fee, 0% card-spend fee, 0% Apple/Google Pay fee
  • thumbs-up-fill Stablecoin deposits convert 1:1 to USD with 0% spread
  • thumbs-up-fill 170+ countries, 150M+ Visa merchants
  • thumbs-up-fill 10+ blockchain networks for deposits
  • thumbs-up-fill Earn KAST Points just by holding/staking SOL (~every 2 days)
  • thumbs-up-fill IBAN/SWIFT via KAST Global Account (Bridge + Lead Bank)
  • thumbs-up-fill Custodial with institutional-grade partners (Fireblocks, BitGo)
  • thumbs-up-fill No Pudgy Penguin NFT required
  • thumbs-up-fill Send money globally to bank accounts in local currency
  • thumbs-up-fill Visa Infinite benefits on Premium and Luxe tiers (airport lounge access, etc.)
  • thumbs-up-fill Up to 10 cards per account
  • thumbs-up-fill Card freeze/unfreeze and PIN controls in-app
CONS
[ LIMITATIONS ]
  • thumbs-down-fill Premium ($1,000/yr) and Luxe ($10,000/yr) are expensive annual subscriptions, billed yearly only
  • thumbs-down-fill Cashback is capped monthly ($2,000 / $10,000 / $40,000), high spenders stop earning
  • thumbs-down-fill FX fee 0.5–1.75% on non-USD transactions
  • thumbs-down-fill ATM fees: $3 flat + 2% per withdrawal
  • thumbs-down-fill ATM limit: $250 per withdrawal, $750 per 24 hours
  • thumbs-down-fill Declined-transaction fee $0.50 and $0.10 small-transaction fee (non-USD under $25)
  • thumbs-down-fill Standard physical card costs $40 delivery; virtual may cost $2 in some regions
  • thumbs-down-fill Custodial wallet
  • thumbs-down-fill Digital wallet support (Apple/Google Pay) is region-dependent, not globally guaranteed

GENERAL QUESTIONS.

Pengu Card is a Pudgy Penguins Flagship crypto card powered by KAST, a global money app powered by stablecoins.

Deposit cash, USDC/USDT, or crypto and spend at 150M+ merchants and ATMs worldwide, anywhere Visa is accepted.

You can also earn yield on deposits and send money globally via KAST.

Yes. Pengu Card is available in 170+ countries where Visa is accepted.

Pengu Card is integrated with KAST’s rewards ecosystem:

Standard Pengu Card: 6% cashback
Premium Pengu Card: 8% cashback
Luxe Pengu Card: 12% cashback

Yes. A verified KAST account is required to receive and use Pengu Card.

Pengu Card will launch as a virtual card first, usable online and with digital wallets.

A physical card is coming later. Waitlist members will get early updates.

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PENGU CARD
FEATURE STANDARD PREMIUM LUX
W BONUS NONE NONE NONE
REG FEE / REQ FREE $1,000/YEAR $10,000/YEAR
CASHBACK 1.5% 2% 3%
NEED KYC YES YES YES
FX FEE UP TO 1.75% UP TO 1.75% UP TO 1.75%
APR / YIELD YES YES YES
CARD TYPE VIRTUAL AND PHYSICAL CARD VIRTUAL AND PHYSICAL CARD VIRTUAL AND PHYSICAL CARD
CARD NETWORK visa visa visa
BLOCKCHAIN ethereumtronsolanapolygonarbitrum ethereumtronsolanapolygonarbitrum ethereumtronsolanapolygonarbitrum
REGION GLOBAL GLOBAL GLOBAL
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