[ head to head ]

Exa Card vs Hyperbeat Pay Card

Exa Card scores higher on the G2M score: 67/100 against 22/100 (#11 and #36 of 36 cards). Exa Card also comes out ahead on cashback and more countries.

Exa Card67

#11 of 36 · 1% back · annual fee none

Get Exactly Read the review

Hyperbeat Pay Card22

#36 of 36 · 0.2% to 12% back · annual fee Not published

Get Hyperbeat Read the review

The short answer

Exa Card scores higher on the G2M score: 67/100 against 22/100 (#11 and #36 of 36 cards).
Exa Card pays more cashback on its entry tier: 1% against 0.2%. Higher tiers go up to 12% on Hyperbeat Pay Card.
Exa Card has no annual fee; Hyperbeat Pay Card does not publish its annual fee.
Exa Card charges 1.5% on foreign currency; Hyperbeat Pay Card does not publish its FX fee.
Exa Card lists 46 countries where it works; Hyperbeat Pay Card does not publish a full country list (1 confirmed so far). Of the markets we check for every card, only Exa Card 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

Exa Card

Hyperbeat Pay Card

G2M score

Base cashback

0.2%

Max cashback

12%

Paid in

Not published

WHYPE

Annual fee

Free

Not published

FX fee

1.5%

Not published

Top-up fee

Not published

Per-purchase fee

None listed

ATM

$1 + 0.65% per withdrawal; up to $250 each

Not published

Network

Visa

Card type

Varies by region

Custody

Non-custodial

Sign-up bonus (G2M link)

None published

No ID check

ID needed or not stated

Formats

virtual

Apple / Google Pay

Yes / Yes

? / ?

India

Unclear

UAE

Yes

Unclear

United States

Yes

United Kingdom

Unclear

EU / EEA

Unclear

Countries

Worldwide except sanctioned countries (Cuba, Iran, North Korea, Sudan, Syria) and Ontario, Canada; US residents under a separate US card agreement; no full country list

Bank account (IBAN or account number)

In your name

Not confirmed

Send money to a bank account

3 currencies

Not confirmed

Buy and sell crypto with fiat

Buy and sell

Spend against crypto without selling

Yes

Yield on your balance

Yes

Tiers

Global · United States

Everyday · All boosters · Trader $1M · Trader $5M

Perks

Concierge · Extended warranty · Purchase protection

Credit Mode: spend against BTC, ETH, SOL or HYPE without selling · Savings, trading and card in one non-custodial account · Virtual card now, physical card waitlist · Four boosters add 0.2% each: hold $1,000 or $10,000, spend $1,000 or $10,000 in 30 days

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, Exa Card or Hyperbeat Pay Card?

Exa Card scores higher on the G2M score: 67/100 against 22/100 (#11 and #36 of 36 cards). Exa Card also comes out ahead on cashback 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, Exa Card or Hyperbeat Pay Card?

Exa Card has no annual fee; Hyperbeat Pay Card does not publish its annual fee. Exa Card charges 1.5% on foreign currency; Hyperbeat Pay Card does not publish its FX fee.

Which pays more cashback, Exa Card or Hyperbeat Pay Card?

Exa Card pays more cashback on its entry tier: 1% against 0.2%. Higher tiers go up to 12% on Hyperbeat Pay Card.

Which works in more countries, Exa Card or Hyperbeat Pay Card?

Exa Card lists 46 countries where it works; Hyperbeat Pay Card does not publish a full country list (1 confirmed so far). Of the markets we check for every card, only Exa Card is confirmed in UAE.

Who holds my funds with Exa Card and Hyperbeat Pay 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.