by KuCoin
The KuCard earns 1-8.5% (April 2025 terms) cashback on a Visa/Mastercard debit card with no annual fee, available in EEA + Australia.
KuCoin is a centralized cryptocurrency exchange founded in 2017 by Chun Gan, Ke Tang, and Johnny Lyu, originally launched in China before relocating its operations through Hong Kong and Singapore to Seychelles. On January 27, 2025, KuCoin's operating entity Peken Global Ltd. pleaded guilty in the Southern District of New York to operating an unlicensed money-transmitting business and agreed to pay roughly $297 million in forfeiture and fines, and to exit the US market for at least two years.
The KuCard is a crypto debit card offered by KuCoin, available in EEA + Australia. It offers 1-8.5% (April 2025 terms) cashback across 5 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at €0.
Best suited for reward-focused spenders willing to optimize for cashback. It runs on the Visa/Mastercard 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 Europe guide. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| VIP 0 base | 1% | Free, VIP 0 (below 10,000 USDT) |
| VIP 1-4 + K1 bonus | 2% | VIP 1-4 + KCS staked (1.5% base + 0.5% K1 ratio bonus). Rate and requirement are UNVERIFIED as of 2026-08-27: the provider's own pages could not be read or do not publish them. |
| VIP 5-7 + K2 bonus | 3% | VIP 5-7 + KCS 1-5% of total assets (2% base + 1% K2 bonus). Rate and requirement are UNVERIFIED as of 2026-08-27: the provider's own pages could not be read or do not publish them. |
| VIP 8-10 + K3 bonus | 4.5% | VIP 8-10 + KCS 5-10% of assets (2.5% base + 2% K3 bonus). Rate and requirement are UNVERIFIED as of 2026-08-27: the provider's own pages could not be read or do not publish them. |
| VIP 11-12 + K4 bonus | 8.5% | VIP 11-12 + KCS Staking holdings / Total Account Assets > 10% (5.5% K4 bonus, capped at €40) |
On $500/mo spend, the estimated monthly cost breakdown for KuCard is: gas $0.00, conversion spread $7.50, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $5.00/mo cashback that is still a net cost of about $2.50/mo ($30.00/yr). KuCard tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. This card bills in USD. Spending in another currency adds up to a 2% FX fee depending on region; these figures do not include it. Figures are conservative estimates and vary with conditions.
Note: KuCoin's EEA debit card (Visa). Cashback = base VIP rate + KCS Loyalty bonus (ratio of staked KCS / total account assets, refreshed daily 07:00 UTC+8). Base rates: VIP 0=1%, VIP 1-4=1.5%, VIP 5-7=2%, VIP 8-10=2.5%, VIP 11-12=3%. KCS bonus tiers (KuCoin's April 2025 KuCard announcement): K1 (≤1% ratio)=+0.5% (bonus capped at €10/mo), K2 (1-5%)=+1% (€20), K3 (5-10%)=+2% (€25), K4 (>10%)=+5.5% (€40). Up to 8.5% in total (VIP 11-12 + K4). VIP level and K level are independent, so the five tiers below pair them for illustration only. Cashback paid in BTC/ETH/USDT/KCS. KuCoin EU's application guide says the EEA card is available to EEA residents except in Malta. Neither region charges an annual fee: KuCoin EU's fee schedule makes the first virtual card free, each extra virtual card €9.90 and a physical card €9.90 (€19.90 for each further one), and charges 2% on non-euro payments, €2 per ATM withdrawal in Europe and 2% plus €2 outside Europe. Australia card (KuCard-AU, Mastercard, launched Apr 24, 2026; AUSTRAC-registered): from 16 July 2026 cashback was replaced by a Rewards Points programme paying up to 8%, set by KuCoin VIP level or monthly spending tier, whichever is higher; points expire 90 days after crediting and leftover cashback must be redeemed by 12 January 2027 (KuCoin AU announcement). VERIFICATION GAP (2026-08-27): none of the five tiers below could be verified. kucoin.com/kucard, the EU and AU locale variants and kucoin.eu all render without a server-side cashback table, so the VIP base rates, the KCS-to-total-assets ratios and the 8% maximum are unproven. Separately, the EEA card now sits under a distinct KuCoin EU brand at kucoin.eu. KuCard-AU charges no annual fee, a 0.5% transaction fee on every payment and a 1% FX fee on non-USDC payments, plus 9.99 USDC per extra virtual card and 2 USDC a month after 90 days without a transaction (KuCoin AU fee guide). VERIFICATION GAP: no current KuCoin EU page states EEA cashback rates; the KCS bonus figures and the 8.5% maximum above come from KuCoin's April 2025 KuCard announcement, which does not state the combined rates of the three middle tiers. KuCoin EU's fee schedule has no annual-fee row and mentions a conversion spread without a rate. The FX fee is published per region on separate pages (2% on non-euro payments in KuCoin EU's fee schedule, 1% on non-USDC payments in KuCoin's KuCard-AU fee guide).
Other crypto cards in the same region or category that may suit your spending profile:
The KuCard is a crypto debit card offered by KuCoin. It is available in EEA + Australia and allows users to spend cryptocurrency at merchants worldwide.
The KuCard offers 1-8.5% (April 2025 terms) cashback. There are 5 tiers: VIP 0 base (1%), VIP 1-4 + K1 bonus (2%), VIP 5-7 + K2 bonus (3%), VIP 8-10 + K3 bonus (4.5%), VIP 11-12 + K4 bonus (8.5%).
The KuCard has an annual fee of €0. Additional fees: Conversion fee: Australia: 0.5% transaction fee on every payment; EEA: a conversion spread may apply (rate not stated); FX fee: EEA: 2% on non-euro payments; Australia: 1% on non-USDC payments; ATM: EEA: €2 per withdrawal in Europe, 2% + €2 outside Europe; Australia: not stated; Inactivity: Australia: 2 USDC/month after 90 days without a transaction.
Yes. The KuCard requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The KuCard is available in EEA + Australia.
The KuCard is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the KuCard 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.