The OrbitX Card is a Visa credit card with a $12-$30/yr fee, available in Global (excl. 17 countries).
OrbitXPay is a stablecoin card programme managed by OrbitX Network Group Pte. Ltd., a Singapore company. Its cards are Visa credit cards issued by Third National and secured by USDT or USDC collateral posted from the cardholder's linked non-custodial wallet.
The OrbitX Card is a crypto credit card offered by OrbitXPay (OrbitX Network Group Pte. Ltd.), available in Global (excl. 17 countries). The annual fee starts at $12-$30/yr.
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. 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 credit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Neo | 0% | $12 a year (Visa Platinum, plastic card $100). No cashback programme is published |
| Lux | 0% | $30 a year (Visa Signature, metal card $350). No cashback programme is published |
On $500/mo spend, the estimated monthly cost breakdown for OrbitX Card is: gas $0.00, conversion spread $0.00, flat transaction fees $0.00, and amortised card/tier fee $1.00, for a total drag of 0.2% of spend. After $0.00/mo cashback that is still a net cost of about $1.00/mo ($12.00/yr). OrbitX Card 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 a 2% FX fee; these figures do not include it. Figures are conservative estimates and vary with conditions.
Note: Stablecoin-secured Visa credit card: each purchase is backed by USDT or USDC collateral posted from the linked non-custodial wallet, 0% purchase APR, and the balance must be repaid within one calendar day or the collateral is liquidated. FEES (orbitxpay.com/card-fees, read 2026-10-08): Neo $12 a year (Visa Platinum, plastic card $100, 2% FX, $0.10 decline fee, $50,000 daily spend, ATM $500 a day); Lux $30 a year (Visa Signature, metal card $350, 1% FX, $0.05 decline fee). Both: 0% deposit fee, $2 withdrawal fee, ATM base charges + 2% + $2, and a "Fiat Conversion Fee" of 20c (Neo) or 10c (Lux) that the page does not define. The Lux column says both "Included" and $350 for the metal card. The US consumer terms list a $10 annual fee, settlement fees up to $0.50 and deposit fees up to 1%. Funding chains conflict: the fee page names Polygon and Base (Solana and Tron upcoming), the terms Ethereum, Polygon, Optimism and Arbitrum. Apple Pay and Google Pay supported. KYC: identity verification required.
Other crypto cards in the same region or category that may suit your spending profile:
The OrbitX Card is a crypto credit card offered by OrbitXPay (OrbitX Network Group Pte. Ltd.). It is available in Global (excl. 17 countries) and allows users to spend cryptocurrency at merchants worldwide.
The OrbitX Card has an annual fee of $12-$30/yr. Additional fees: Conversion fee: 20c (Neo) or 10c (Lux) flat "Fiat Conversion Fee"; FX fee: 2% (Neo), 1% (Lux) on non-USD spend; ATM: ATM operator charges + 2% + $2; Top-up: 0%.
Supported assets include USDT, USDC; top-up methods include Collateral posted from a linked non-custodial wallet; crypto deposits are supported on Polygon, Base.
Yes. The OrbitX Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The OrbitX Card is available in Global (excl. 17 countries).
The OrbitX Card is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.
Yes, the OrbitX 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 OrbitX Card supports Apple Pay and Google Pay for contactless payments.
The OrbitX Card is issued by Third National.
Visit OrbitXPay (OrbitX Network Group Pte. Ltd.)
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.