The Kem Infinity Card earns 2-5% XAUT cashback on a Visa debit card with no annual fee, available in 100+ countries, Middle East focus.
Kem is a UAE-focused stablecoin spending app operated by Kemfinity s.r.o. Cashback is paid in Tether Gold (XAUT) rather than a fiat stablecoin or a platform token, and the bonus categories are Gulf delivery and rideshare brands.
The Kem Infinity Card is a crypto debit card offered by Kemfinity s.r.o., available in 100+ countries, Middle East focus. It offers 2-5% XAUT cashback across 3 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card.
Best suited for reward-focused spenders willing to optimize for cashback. Note that the card is virtual only. It runs on the Visa network.
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| Tier | Rate | Requirement |
|---|---|---|
| Base | 2% | All purchases, no staking or spend threshold. Paid in Tether Gold (XAUT) |
| Food Delivery | 5% | Purchases at Talabat, Keeta and Noon |
| Rideshare and Flights | 3% | Purchases at Careem, Uber and selected airlines |
On $500/mo spend, the estimated monthly cost breakdown for Kem Infinity Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $10.00/mo cashback that nets a gain of about $2.50/mo ($30.00/yr). Kem Infinity Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: Digital-first Visa card spending USDT or USDe through Apple Pay and Google Pay, with cashback paid in Tether Gold. That makes the reward a gold-price exposure rather than a cash rebate: a 2% rate in XAUT is not the same asset as a 2% rate in USDC, and the realised value moves with the gold price. Card issuance is free with no minimum balance, and the only stated recurring cost is a 1.00% USDT-to-USD conversion fee on purchases. The bonus categories are Gulf-market brands (Talabat, Noon, Careem), which is what places the product in the Middle East despite the global country count. GAPS: Kem does not publish an FX fee, an ATM fee, a KYC level, or an enumerated country list, and does not name its BIN sponsor. The card page states a credit check is not required, which is not a KYC statement. Custody is described by opencryptocards as an exchange-account model routed via Rain or Interlace; Kem itself does not name a card issuer, so that is recorded here as a note rather than as data.
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The Kem Infinity Card is a crypto debit card offered by Kemfinity s.r.o.. It is available in 100+ countries, Middle East focus and allows users to spend cryptocurrency at merchants worldwide.
The Kem Infinity Card offers 2-5% XAUT cashback. There are 3 tiers: Base (2%), Food Delivery (5%), Rideshare and Flights (3%).
The Kem Infinity Card has an annual fee of $0. Additional fees: Conversion fee: 1.00% USDT to USD.
Supported assets include USDT, USDe; top-up methods include Stablecoin deposit; crypto deposits are supported on Ethereum, Tron.
The Kem Infinity Card is available in 100+ countries, Middle East focus.
The Kem Infinity Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Kem Infinity Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.