The xPortal Card earns 0.1-0.5% (capped) cashback on a Mastercard debit card with no annual fee, available in EEA.
xPortal is the consumer wallet and payments app for the MultiversX (formerly Elrond) blockchain, launched in February 2023 as the rebrand of the earlier Maiar Wallet. It is developed by MultiversX, the Romania-based company founded in 2017 by brothers Beniamin and Lucian Mincu together with Lucian Todea.
The xPortal Card is a crypto debit card offered by xPortal, available in EEA. It offers 0.1-0.5% (capped) cashback across 5 reward tiers, with higher rates unlocked by staking EGLD. The annual fee starts at €0.
Best suited for EGLD holders willing to stake for higher rewards. It runs on the 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 |
|---|---|---|
| Tier 1 | 0.1% | 5 EGLD or 25 SUI staked, €5/mo cashback cap |
| Tier 2 | 0.2% | 25 EGLD or 125 SUI staked, €10/mo cashback cap |
| Tier 3 | 0.3% | 100 EGLD or 500 SUI staked, €15/mo cashback cap |
| Tier 4 | 0.4% | 500 EGLD or 2,500 SUI staked, €20/mo cashback cap |
| Tier 5 | 0.5% | 2,000 EGLD or 10,000 SUI staked, €30/mo cashback cap |
On $500/mo spend, the estimated monthly cost breakdown for xPortal 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 $1.00/mo cashback that is still a net cost of about $4.00/mo ($48.00/yr). xPortal 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: MultiversX ecosystem card, issued by Capital Financial Services S.A. Tiers evaluated per-token (EGLD or SUI, not cumulative); user needs the full amount in one token to qualify for a tier. xPortal super-app supports BTC, ETH, EGLD, POL, BNB, SOL, DOGE, BERA, SUI as funding sources. Headline 5% rates seen in marketing relate to time-limited promo pools (e.g. Dec 2025 €10K XMN promo), not standing tiers: xportal.com/card runs a banner headline of up to 5% cashback on your shopping, while its own feature table on the same page states cashback of up to 0,5% in EGLD/UTK depending on the amount staked, and marks Mastercard Priceless international cashback as not offered on this card. XMN-specific staking tiers exist but per-tier amounts are not publicly documented. EEA only.
Other crypto cards in the same region or category that may suit your spending profile:
The xPortal Card is a crypto debit card offered by xPortal. It is available in EEA and allows users to spend cryptocurrency at merchants worldwide.
The xPortal Card offers 0.1-0.5% (capped) cashback. There are 5 tiers: Tier 1 (0.1%), Tier 2 (0.2%), Tier 3 (0.3%), Tier 4 (0.4%), Tier 5 (0.5%).
The xPortal Card has an annual fee of €0. Additional fees: Conversion fee: ~1%.
Yes. The xPortal Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The xPortal Card is available in EEA.
The xPortal Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the xPortal Card supports Apple Pay and Google Pay for contactless payments.
Yes, the xPortal Card requires staking the provider's native token to unlock higher cashback tiers. The card has 5 reward tiers: Tier 1 (0.1%, requires 5 EGLD or 25 SUI staked, €5/mo cashback cap); Tier 2 (0.2%, requires 25 EGLD or 125 SUI staked, €10/mo cashback cap); Tier 3 (0.3%, requires 100 EGLD or 500 SUI staked, €15/mo cashback cap); Tier 4 (0.4%, requires 500 EGLD or 2,500 SUI staked, €20/mo cashback cap); Tier 5 (0.5%, requires 2,000 EGLD or 10,000 SUI staked, €30/mo cashback cap). Higher staking amounts yield better reward rates, but consider the opportunity cost of locking tokens.
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