OKX card a card that speaks fluent crypto
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | €10 / NON-VIP |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | €0 |
| DAILY LIMIT | Balance |
◾ Cashback caps are tiny for most users. Non-VIP gets 2% capped at just 10 EUR/month (500 EUR spend). VIP 1: 4% / 300 EUR. VIP 2: 4.5% / 450 EUR. VIP 3: 5% / 1,000 EUR. VIP 4+: 10% / 1,000 EUR. The 10% headline is VIP 4+ only.
◾ Cashback is NOT on all purchases. Only USDG purchases earn cashback, USDC purchases earn zero, regardless of VIP level. The card supports both stablecoins for spending, but rewards are exclusive to USDG.
◾ Excluded merchant categories kill cashback on whole sectors: gambling, insurance, professional services, education, business support, and government payments all earn zero. Even eligible-looking merchants may be excluded if their acquiring bank miscategorized them.
THE REAL STORY ON THIS CARD.
- Zero transaction and FX fees
- Up to 10% cashback (USDG purchases only)
- Non-custodial, full control of funds
- Instant virtual card + Apple/Google Pay
- Earn interest on USDG balance
- MiCA-licensed issuer in the EEA
- Virtual card only
- No ATM withdrawals
- EEA only
- Limited to USDC/USDG stablecoins
- Cashback only on USDG purchases; standard users may get 0%
- Conversion spread of 0.1% applies on every crypto→fiat transaction
- No IBAN/SWIFT, must fund via OKX Pay
- Daily limit not publicly documented on official fee page
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.
