The MiniPay Card earns Up to 5% cashback on a Visa debit card with no annual fee, available in Africa/EEA/LATAM/SEA (46 countries).
MiniPay is Opera's self-custodial stablecoin wallet built on the Celo blockchain, with 16 million+ activated wallets across 65+ countries and strong adoption in Africa.
The MiniPay Card is a crypto debit card offered by MiniPay (Opera), available in Africa/EEA/LATAM/SEA (46 countries). It offers Up to 5% cashback rewards on purchases. There is no annual fee to hold this card.
Best suited for reward-focused spenders willing to optimize for cashback. 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. Browse all our regional card guides. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 5% | Up to 5% of transaction value, calculated in USD, on eligible purchases. Capped at 150 USDT or USDC, or the equivalent in XAUt0, per calendar month. Paid in USDC in the EEA and in XAUt0 (Tether Gold) elsewhere, redeemed 30 to 60 days after the transaction confirms. Utilities, financial services, money transfers, insurance, gambling, jewellery and precious metals, dating services, charities and government or tax payments are excluded. Cashback reaches only qualifying countries that MiniPay does not publish, and the reward varies by country of residence, so the rate is not guaranteed in every market the card reaches |
On $500/mo spend, the estimated monthly cost breakdown for MiniPay 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 $25.00/mo cashback that nets a gain of about $17.50/mo ($210.00/yr). MiniPay 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: Launched June 23, 2026 by Opera's MiniPay stablecoin wallet (16M+ activated wallets). Powered by Gnosis Pay on Celo blockchain. Virtual Visa debit card with no monthly/annual fee; low FX fee. Supports USDT, USDC, USDm stablecoins. Apple Pay and Google Pay compatible. Strong adoption in Nigeria and Kenya via integrations with OPay and M-Pesa. Cashback offered in selected markets in XAUt (Tether Gold), USDT, USDC — exact rate not yet published. CORRECTION (2026-08-27): MiniPay now publishes its cashback terms, so the rate is no longer unpublished as previously recorded. The programme has no stated end date and is ongoing rather than promotional. Cards are issued by Monavate Ltd or UAB Monavate under a licence from Visa Europe Limited, with Gnosis Pay as programme manager and MiniPay offered by Blueboard Limited. The supported stablecoin is spelled mUSD, not USDm. Note that a separate Buy Gold campaign paying 5% in USDT, capped at $10 per transaction with one reward per user every seven days, ran until 31 August 2026 and is a mini-app gold-purchase promotion rather than card cashback. VERIFICATION GAP (2026-08-30): the cashback terms state the programme is limited to "qualifying countries" and that rewards vary by country of residence, but publish no country list, and the Opera launch release names only Europe (EEA), Africa, Latin America and Southeast Asia as regions plus Kenya, Nigeria and LATAM as integration examples. No official source names a specific Southeast Asian country, so treat the 5% as unconfirmed outside the markets MiniPay names.
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The MiniPay Card is a crypto debit card offered by MiniPay (Opera). It is available in Africa/EEA/LATAM/SEA (46 countries) and allows users to spend cryptocurrency at merchants worldwide.
The MiniPay Card offers Up to 5% cashback.
The MiniPay Card has an annual fee of $0. Note: Launched June 23, 2026 by Opera's MiniPay stablecoin wallet (16M+ activated wallets). Powered by Gnosis Pay on Celo blockchain. Virtual Visa debit card with no monthly/annual fee; low FX fee. Supports USDT, USDC, USDm stablecoins. Apple Pay and Google Pay compatible. Strong adoption in Nigeria and Kenya via integrations with OPay and M-Pesa. Cashback offered in selected markets in XAUt (Tether Gold), USDT, USDC — exact rate not yet published. CORRECTION (2026-08-27): MiniPay now publishes its cashback terms, so the rate is no longer unpublished as previously recorded. The programme has no stated end date and is ongoing rather than promotional. Cards are issued by Monavate Ltd or UAB Monavate under a licence from Visa Europe Limited, with Gnosis Pay as programme manager and MiniPay offered by Blueboard Limited. The supported stablecoin is spelled mUSD, not USDm. Note that a separate Buy Gold campaign paying 5% in USDT, capped at $10 per transaction with one reward per user every seven days, ran until 31 August 2026 and is a mini-app gold-purchase promotion rather than card cashback. VERIFICATION GAP (2026-08-30): the cashback terms state the programme is limited to "qualifying countries" and that rewards vary by country of residence, but publish no country list, and the Opera launch release names only Europe (EEA), Africa, Latin America and Southeast Asia as regions plus Kenya, Nigeria and LATAM as integration examples. No official source names a specific Southeast Asian country, so treat the 5% as unconfirmed outside the markets MiniPay names.
Yes. The MiniPay Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The MiniPay Card is available in Africa/EEA/LATAM/SEA (46 countries).
The MiniPay Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the MiniPay 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.