Kolo is a crypto wallet and card product operated by Hardline Holding Limited, a fintech registered with the Astana International Financial Centre (AIFC) in Kazakhstan, with a related EU entity (BURVIX SP. Z O.O.) authorized as a virtual asset service provider in Poland. The platform offers a Mastercard-network debit card via partnership with a third-party issuer and operates internationally.
The Kolo Card is a crypto debit card offered by Kolo, available in 170+ countries. It offers 2% BTC + 5% welcome cashback across 2 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 Bitcoin holders who want to stack sats on everyday spending. It runs on the Visa network and requires full identity verification.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 2% | All purchases, BTC cashback |
| Welcome Bonus | 5% | First 30 days |
Note: 2% BTC cashback on all purchases. 5% BTC welcome bonus for first 30 days. 170+ countries. Virtual + physical card; ~10 USDC issuance. Card issuance, automatic real-time conversion, 0% markup on USDT/USDC/EURC stablecoins, and 0% FX on Visa Platinum. US eligibility unclear (excluded historically per third-party reviews; no longer explicit on official site). MiCA-ready. Service provider changed from Cryppo UAB to BURVIX SP (Poland) late 2025. CoinDesk Dec 2025 referenced a 'Visa Credit Card' variant offering 5% BTC cashback (welcome promo or separate product).
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The Kolo Card is a crypto debit card offered by Kolo. It is available in 170+ countries and allows users to spend cryptocurrency at merchants worldwide.
The Kolo Card offers 2% BTC + 5% welcome cashback. There are 2 tiers: Standard (2%), Welcome Bonus (5%).
The Kolo Card has an annual fee of $0. Additional fees: Conversion fee: 0% USDT/USDC/EURC; ~0.3% other crypto; FX fee: 0% on stablecoins via Visa Platinum.
The Kolo Card is available in 170+ countries. Its availability status is "Global".
The Kolo Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Kolo 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.