The Kite Card earns 0-5% (categories only) cashback on a Visa debit card with no annual fee, available in 9 APAC countries (NOT US).
Kite App Limited is a Hong Kong company (registration 78561804) running a non-custodial stablecoin wallet on Dynamic.xyz MPC infrastructure. The iOS app was released on 3 May 2026. Kite states it is not a bank, exchange or custodian, and that fiat services and card issuance are provided by unnamed licensed third-party partners; TransFi is named as the on and off ramp partner.
The Kite Card is a crypto debit card offered by Kite, available in 9 APAC countries (NOT US). It offers 0-5% (categories only) cashback across 6 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card.
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. Note that the card is virtual only. It runs on the Visa network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in Singapore guide. See where it ranks among the best crypto debit cards.
Kite Card is offered in 9 countries according to the provider's published list.
| Tier | Rate | Requirement |
|---|---|---|
| General spend | 0% | No cashback is paid on ordinary card spending. Every published reward is a time-limited category offer |
| AI subscriptions Promo, ends Nov 30, 2026 | 5% | Pay for ChatGPT Plus, Claude Pro or Max, Perplexity Pro, Midjourney, Cursor Pro or Gemini Advanced with the card. Once per platform per person per month, paid in USD to the card after month end, on purchases made between 7 September and 30 November 2026 |
| Streaming subscriptions Promo, ends Nov 30, 2026 | 5% | Pay Netflix, YouTube Premium, Prime Video or Spotify with the card. Monthly, offer ends 30 November 2026 |
| Creator and freelancer tools Promo, ends Nov 30, 2026 | 5% | Pay Figma, LinkedIn Premium, X Premium or Telegram Premium with the card. Monthly, offer ends 30 November 2026 |
| Starlink Promo, ends Nov 30, 2026 | 5% | Pay a Starlink usage bill with the card. Monthly, offer ends 30 November 2026 |
| Travel on Travala Promo, ends Nov 30, 2026 | 5% | Book flights, hotels, car rental or activities on Travala with the card. Offer ends 30 November 2026 |
On $500/mo spend, the estimated monthly cost breakdown for Kite Card is: gas $0.00, conversion spread $2.65, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0.5% of spend. After $0.00/mo cashback that is still a net cost of about $2.65/mo ($31.80/yr). Kite 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: Virtual USD Visa funded from a non-custodial USDC or USDT balance, aimed at Asia Pacific and emerging markets rather than the EEA or the US. Moving stablecoins from the Kite wallet onto the card costs a 0.53% conversion fee; spending in USD is free and everything else carries 1.8% FX. Kite states it covers on-chain network (gas) fees on deposits, so no per-load gas cost is modelled here. Card issuance, maintenance and replacement are free. Spending is limited to $50,000 or 50 transactions per day and $990,000 or 1,040 transactions per year, with daily limits resetting at midnight UTC+8. A physical card and ATM withdrawals are both listed as coming soon, so the card is online and mobile-wallet only today. KYC for the card requires ID or passport, a selfie liveness check and proof of address (the wallet alone needs only ID and selfie). GAPS: the card issuer is never named in any public document, which is why no issuer or licence is recorded. Cashback is the bigger caveat: there is no general rate at all, only five 5% category promotions that Kite dates to 30 November 2026, so this card's rewards should be rechecked in December 2026 and the tiers zeroed if the offers are not renewed.
Other crypto cards in the same region or category that may suit your spending profile:
The Kite Card is a crypto debit card offered by Kite. It is available in 9 APAC countries (NOT US) and allows users to spend cryptocurrency at merchants worldwide.
The Kite Card offers 0-5% (categories only) cashback. There are 6 tiers: General spend (0%), AI subscriptions (5%), Streaming subscriptions (5%), Creator and freelancer tools (5%), Starlink (5%), Travel on Travala (5%).
The Kite Card has an annual fee of $0. Additional fees: Conversion fee: 0.53% when moving USDC or USDT onto the card; FX fee: 1.8% on non-USD transactions, 0% in USD; ATM: Not available yet (Kite lists ATM withdrawals as coming soon); Top-up: 0.53% conversion fee; Kite covers the on-chain network fee on deposits.
The Kite Card has the following limits: daily spending limit: $50,000 or 50 transactions per day, whichever comes first. Limits can vary by account tier and verification level.
Supported assets include USDC, USDT; top-up methods include Stablecoin deposit, Fiat on-ramp via TransFi; crypto deposits are supported on Ethereum, Base, Arbitrum, Optimism, Polygon, BNB Chain.
Yes. The Kite Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Kite Card is available in Australia, Japan, Malaysia, Philippines, Singapore, South Korea, Taiwan, Thailand, Vietnam, according to the provider's published list.
The Kite Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Kite Card is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.
Yes, the Kite 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.