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Ethena Pay vs OrbitX Card

Ethena Pay scores higher on the G2M score: 83/100 against 43/100 (#2 and #32 of 37 cards). Ethena Pay also comes out ahead on cashback, a lower annual fee, a lower FX fee and more countries.

Ethena Pay83

#2 of 37 · 4% to 5% back · annual fee none

Get EthenaRead the review
OrbitX Card43

#32 of 37 · Not published back · annual fee $12

Get OrbitXRead the review

The short answer

  • Ethena Pay scores higher on the G2M score: 83/100 against 43/100 (#2 and #32 of 37 cards).
  • Ethena Pay pays 4% cashback on its entry tier; OrbitX Card does not publish a rate. Higher tiers go up to 5% on Ethena Pay.
  • Ethena Pay has no annual fee; OrbitX Card costs $12 a year.
  • Ethena Pay charges less on foreign currency: a 1% FX fee against 2%.
  • Ethena Pay lists 48 countries where it works; OrbitX Card does not publish a full country list. Of the markets we check for every card, only Ethena Pay is confirmed in UAE.
  • Both are non-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
Ethena Pay
OrbitX Card
G2M score
83 (better)
43
Base cashback
4%
Not published
Max cashback
5%
Not published
Paid in
AVAX, daily
Not published
Annual fee
Free (better)
$12
FX fee
1% (better)
2%
Top-up fee
0%
0%
Per-purchase fee
None listed
$0.20
ATM
$1 + 0.65% per withdrawal
Physical card only, not available yet: the ATM's own fee + 2% + $2; limit $500 on Neo, $1,000 on Lux
Network
Visa
Visa
Card type
Spend
Varies by region
Custody
Non-custodial
Non-custodial
Sign-up bonus (G2M link)
None published
None published
No ID check
ID needed or not stated
ID needed or not stated
Formats
virtual
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
Unclear
UAE
Yes
Unclear
United States
No
Unclear
United Kingdom
No
Unclear
EU / EEA
No
Unclear
Countries
48
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.
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
Not confirmed
9 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
No
Not confirmed
Yield on your balance
Yes
Yes
Tiers
Standard · Pro · VIP
Neo · Lux
Perks
Works on Arbitrum, Ethereum, Optimism and Polygon · 5% a year on your balance, up to $5,000, paid daily in USDe · 6% a year on your balance, up to $100,000, paid daily in USDe · 6% a year on your balance, up to $1,000,000, paid daily in USDe
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 · Visa Platinum

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, Ethena Pay or OrbitX Card?

Ethena Pay scores higher on the G2M score: 83/100 against 43/100 (#2 and #32 of 37 cards). Ethena Pay also comes out ahead on cashback, a lower annual fee, a lower FX fee and more countries. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Ethena Pay or OrbitX Card?

Ethena Pay has no annual fee; OrbitX Card costs $12 a year. Ethena Pay charges less on foreign currency: a 1% FX fee against 2%.

Which pays more cashback, Ethena Pay or OrbitX Card?

Ethena Pay pays 4% cashback on its entry tier; OrbitX Card does not publish a rate. Higher tiers go up to 5% on Ethena Pay.

Which works in more countries, Ethena Pay or OrbitX Card?

Ethena Pay lists 48 countries where it works; OrbitX Card does not publish a full country list. Of the markets we check for every card, only Ethena Pay is confirmed in UAE.

Who holds my funds with Ethena Pay and OrbitX Card?

Both are non-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.