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. Note that monthly cashback caps apply. 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 $0.00, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $1.00/mo cashback that nets a gain of about $1.00/mo ($12.00/yr). xPortal 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 EUR. Spending in another currency adds a 2.5% FX fee; these figures do not include it. 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. TIERS VERIFIED (2026-10-01): xPortal's help-centre Cashback article (rules V1.1, applicable from 1 Dec 2025) publishes the five tiers recorded here, at 5/25/100/500/2,000 EGLD or 25/125/500/2,500/10,000 SUI staked for 0.10-0.50% with EUR 5/10/15/20/30 monthly caps, plus up to 5% from a EUR 10,000 first-come promotional pool that ends when exhausted. Three separate cards now exist (xPortal, MultiversX and Sui editions) and this single entry conflates them. The card page's "Up to 5%" banner refers to that pool; its feature table states up to 0,5% as the standing rate. FEES: the issuer's fee and limits PDF (Twispay, effective 2 July 2024, linked from xPortal's help centre) sets a foreign exchange fee of up to 2.5%, free ATM withdrawals up to €200 a month and 2% plus €1 above that, and lists card payments as free. ATM limits conflict: the card page shows €500 a month, while the PDF gives €500 a day and €2,500 a month. The card page shows a €5,000 daily spending limit and free issuing with delivery at €5.99 (Romania) or €9.99 (international); a 2024 help article still says the first physical card costs €9.99. The ~1% conversion cost has no official source: the card page lists a 1.49% fee only for buying crypto via xMoney. Capital Financial Services S.A. is authorised by the National Bank of Romania (authorization Series IEME no. 001/25.04.2013).
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: 0% on card payments per the issuer fee schedule ("Payments by using the card Free"); the 1.49% on the card page is for buying crypto via xMoney; FX fee: Up to 2.5% (issuer fee schedule); ATM: Free up to €200/month; above that 2% + €1.
The xPortal Card has the following limits: daily spending limit: EUR 5,000. Limits can vary by account tier and verification level.
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.
The xPortal Card is issued by Capital Financial Services S.A..
Funds are held in separate safeguarding bank accounts opened with a bank established within the European Economic Area, and the Romanian Deposit Guarantee Scheme does not apply.
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