The Oobit Card earns Up to 10% cashback on a Visa debit card with no annual fee, available in Global (most countries, 22 exclusions).
Oobit is a crypto payments app headquartered in Singapore, co-founded in 2017 by CEO Amram Adar and COO Aharon Miller. The app enables tap-to-pay spending of crypto at Visa- and Mastercard-accepting merchants, with merchants settled in fiat. In February 2024, Oobit raised a $25 million Series A led by Tether's investment arm, with participation from CMCC Global's Titan Fund, 468 Capital, and Solana co-founder Anatoly Yakovenko.
The Oobit Card is a crypto debit card offered by Oobit, available in Global (most countries, 22 exclusions). It offers Up to 10% 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. It runs on the Visa network and requires standard 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 |
|---|---|---|
| Base Points | 0% | Level 1 (under $250 cumulative spend per 90-day cycle): 1x reward points only, no cashback. Points ladder runs 1x at $0, 2x at $250, 3x at $500, 4x at $1,000, 5x at $1,500 cumulative spend per cycle |
| Stablecoin Payments | 5% | Requires Level 2 or above ($250 cumulative spend in a 90-day cycle); pay with USDT, USDR, or EURR; capped at $200/mo of spend |
| OOB Payments | 10% | Requires Level 2 or above ($250 cumulative spend in a 90-day cycle); pay with OOB token; capped at $10,000/mo of spend |
On $500/mo spend, the estimated monthly cost breakdown for Oobit Card is: gas $0.00, conversion spread $5.00, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1% of spend. After $0.00/mo cashback that is still a net cost of about $5.00/mo ($60.00/yr). Oobit 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.
Oobit is a Singapore-based tap-to-pay app that converts crypto to fiat at the register on the Visa network, and its real momentum is in Latin America. Guatemala and Paraguay became its 10th and 11th LATAM markets in July 2026, joining Brazil, Colombia, and Bolivia, and it integrated Brazil's Pix network for USDT in June 2026. It also launched non-custodial tap-to-pay in the US in December 2025 through Bakkt's licensed infrastructure, connecting wallets like MetaMask, Phantom, and Trust Wallet. Tether led its $25 million Series A in 2024, so USDT spending is the core use case rather than an afterthought.
The cashback is far more restrictive than a headline "up to 10%" suggests. Oobit's own reward terms pay 10% only when you actually pay in OOB tokens, capped at $10,000 per month of spend. The stablecoin path pays 5% but caps out at just $200 per month of spend, and the base tier is a 1x-to-5x points system, not a flat percentage. Every reward is locked to in-app tap-to-pay use and cannot be withdrawn or transferred. The "$0 fee" framing also understates costs: Oobit charges 1% per transaction with a $0.25 minimum.
Net, this suits someone in a supported LATAM market who wants to spend USDT day to day and accepts that rewards are small and locked in-app. Watch the OOB-token dependency on the top rate, the tiny $200-per-month stablecoin-cashback cap, and the per-transaction fee. Reward payout currency differs by region (USDC for EEA users, USDT elsewhere), and at least one App Store reviewer reported an account approved and then immediately banned before first use.
Verified user signal is thin. The US App Store listing shows a 4.5 rating across 113 ratings [1]. One December 2025 reviewer reported that after months of waiting his account was approved, he completed the questionnaire, and the account was "immediately banned before ever being used"; Oobit's developer account replied asking him to contact support [1]. Broader themes (suspended cards, deposits not arriving, slow support) came from Trustpilot and review aggregators that could not be fetched and were dropped.
Sources: [1]
Updated 2026-07-06
Note: Up to 10% cashback (10% rate requires PAYING in OOB tokens, capped at $10,000/mo of spend; stablecoin payments in USDT/USDR/EURR earn 5% capped at $200/mo of spend; base rewards are a 1x-5x points ladder). Both cashback tracks are gated: per Oobit's 5X Reward Terms, stablecoin and token rewards are available only to users at Level 2 or above, reached at $250 cumulative spend within a rolling 90-day cycle, so a new or low-volume cardholder earns points but no cashback. Levels are set from the cumulative spend of the cycle that just ended (1x/$0, 2x/$250, 3x/$500, 4x/$1,000, 5x/$1,500). 1% transaction fee (min $0.25). DePay wallet payment layer launched October 2025 lets users connect any supported self-custody wallet directly and spend without preloading or moving funds custodially. Founded 2017, backed by Tether. Strong presence in Thailand and Southeast Asia. 4.8 App Store rating across 22K+ reviews. July 2026: expanded to Guatemala and Paraguay (11 LATAM markets total). April 30, 2026: launched Agent Cards, Visa virtual corporate cards that let AI agents spend USDT autonomously from a company's Oobit Business treasury (KYB-verified businesses only, founding-partner cohort, pricing per engagement, not available to consumers). Brazil is largest market (61% of users). Avg spend/user $1,168/mo (June 2026). Native Pix payments launched in Brazil July 1, 2026 (send crypto to any Pix key, instant Pix deposits).
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The Oobit Card is a crypto debit card offered by Oobit. It is available in Global (most countries, 22 exclusions) and allows users to spend cryptocurrency at merchants worldwide.
The Oobit Card offers Up to 10% cashback. There are 3 tiers: Base Points (0%), Stablecoin Payments (5%), OOB Payments (10%).
The Oobit Card has an annual fee of $0. Additional fees: Conversion fee: 1% (min $0.25).
The Oobit Card has the following limits: daily spending limit: $10,000. Limits can vary by account tier and verification level.
Supported assets include USDC, USDT, BNB, USDR, EURR, BTC, DOGE, ETH, SOL, TRX, XRP, XTZ, TON, VET, XAUT, LTC, XLM, TRUMP, ADA, BCH, SHIB; top-up methods include Buy crypto in-app with a credit card (from $10), Transfer crypto from an external wallet or exchange; crypto deposits are supported on Ethereum (ERC-20), BNB Smart Chain, Solana, Polygon.
Yes. Oobit requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Oobit Card is available in Global (most countries, 22 exclusions).
The Oobit Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Oobit Card supports Apple Pay and Google Pay for contactless payments.
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