Does the OrbitX Card have an annual fee?

Yes: $12 a year on the entry tier.

What is the OrbitX Card's FX fee?

2% on purchases in other currencies, and no FX fee on USD purchases.

Is the OrbitX Card custodial or non-custodial?

Non-custodial: your funds stay in a wallet you control until you pay.

#32 of 37VisaVaries by regionNon-custodial

OrbitX Card

A Visa card from Singapore-based OrbitX that spends USDC or USDT from your own wallet, with named bank accounts in 9 currencies. Neo costs $12 a year (2% FX fee), Lux $30 (1%, Visa Signature). No published cashback; virtual card only for now.

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Key facts

Cashback: Not published
Annual fee: $12
FX fee: 2%
Top-up fee: 0%
Per-purchase fee: $0.20
ATM: Physical card only, not available yet: the ATM's own fee + 2% + $2; limit $500 on Neo, $1,000 on Lux
Card types: virtual
Mobile wallets: Apple Pay + Google Pay

Cashback: Not published. OrbitX told G2M it cannot yet share a full rewards breakdown.

FX: Billed in US dollars, so US-dollar spending has no FX fee. Other currencies: 2% on Neo, 1% on Lux. Every purchase also pays a fiat conversion fee of $0.20 on Neo or $0.10 on Lux.

G2M score worldwide

43/100

Rewards0/25

Fees17/30

Coverage4/20

Ecosystem12/15

Control10/10

How the score works

Where it works

IndiaNot confirmed
UAENot confirmed
United StatesNot confirmed
United KingdomNot confirmed
EU / EEANot confirmed

No published country list. OrbitX focuses on Latin America, East Asia, Africa and the Middle East. The international card is not for US citizens; a separate US card agreement exists.

Banking features

Bank account (IBAN or account number): In your name
Send money to a bank account: 9 currencies
Buy and sell crypto with fiat: Buy and sell
Spend against crypto without selling: Not confirmed
Yield on your balance: Yes
ID check for people living abroad: Not published
Citizens turned away: Not published

Tiers and plans

[ tier break-even ]

When a paid tier pays for itself against Neo ($12/yr), with its yearly fee and monthly cashback cap counted.

Lux ($30/yr) never beats Neo ($12/yr) (checked up to $100,000 a month).

Tier	Cost per year	Cashback	Monthly cap	FX fee	How to get it	Perks
Neo	$12	Not published	—	2%	$12 a year	Visa Platinum · $0.20 fiat conversion fee on every purchase · Up to 10 add-on cards · Spending up to $50,000 a day · Plastic card $100 when physical cards launch
Lux	$30	Not published	—	1%	$30 a year	Visa Signature benefits · $0.10 fiat conversion fee on every purchase · Unlimited add-on cards · No daily spending limit · Metal card $350 when physical cards launch

Real swipe receipt

What one purchase really costs on OrbitX Card, with every fee and the cashback.

[ swipe receipt ]Try a $10 coffee, a $50 dinner or a $200 hotel on OrbitX Card, in your own currency, and post the receipt on X.Open the receipt

What's good

Funds stay in your own wallet (non-custodial)
Named bank accounts in 9 currencies and transfers to 100+ countries
Low annual fee: $12 (Neo) or $30 (Lux)

Watch out for

No published cashback
FX fee 2% on Neo (1% on Lux), plus $0.20 or $0.10 on every purchase
No published country list; virtual card only for now

More details

Other fees: Fiat conversion fee on every purchase: $0.20 on Neo, $0.10 on Lux · Withdrawing to a crypto wallet: $2 · Declined purchase (low balance): $0.10 on Neo, $0.05 on Lux · Card replacement: $100 on Neo, $199 on Lux · Physical cards come later: plastic $100 (Neo), metal $350 (Lux) at launch · Returned payment up to $69 (card terms) · Spending limit $50,000 a day on Neo; no limit on Lux
Perks: Named bank accounts in 9 currencies: USD, EUR, GBP, AED, NGN, BRL, MXN, COP, PHP · Send money to 100+ countries in your own name · Yield on USDC through on-chain strategies · Funds on Base and Polygon; Solana and Tron coming
Spend from: USDC, USDT
Issuer: Third National

Questions about the OrbitX Card

Does the OrbitX Card have an annual fee?: Yes: $12 a year on the entry tier.
What is the OrbitX Card's FX fee?: 2% on purchases in other currencies, and no FX fee on USD purchases.
Is the OrbitX Card custodial or non-custodial?: Non-custodial: your funds stay in a wallet you control until you pay.
Where can I get the OrbitX Card?: No published country list. OrbitX focuses on Latin America, East Asia, Africa and the Middle East. The international card is not for US citizens; a separate US card agreement exists.