Hyperbeat Pay Card vs Karta.io Card
Karta.io Card scores higher on the G2M score: 40/100 against 22/100 (#32 and #36 of 36 cards). Hyperbeat Pay Card still comes out ahead on cashback and more countries.
#36 of 36 · 0.2% to 12% back · annual fee Not published
The short answer
- Karta.io Card scores higher on the G2M score: 40/100 against 22/100 (#32 and #36 of 36 cards).
- Hyperbeat Pay Card pays 0.2% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 12% on Hyperbeat Pay Card.
- Karta.io Card has no annual fee; Hyperbeat Pay Card does not publish its annual fee.
- Karta.io Card charges 1% on foreign currency; Hyperbeat Pay Card does not publish its FX fee.
- Hyperbeat Pay Card is confirmed in more countries: 1 against 0, though neither publishes a full list. Of the markets we check for every card, only Hyperbeat Pay Card is confirmed in United States.
- 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
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, Hyperbeat Pay Card or Karta.io Card?
Karta.io Card scores higher on the G2M score: 40/100 against 22/100 (#32 and #36 of 36 cards). Hyperbeat Pay Card still 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, Hyperbeat Pay Card or Karta.io Card?
Karta.io Card has no annual fee; Hyperbeat Pay Card does not publish its annual fee. Karta.io Card charges 1% on foreign currency; Hyperbeat Pay Card does not publish its FX fee.
Which pays more cashback, Hyperbeat Pay Card or Karta.io Card?
Hyperbeat Pay Card pays 0.2% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 12% on Hyperbeat Pay Card.
Which works in more countries, Hyperbeat Pay Card or Karta.io Card?
Hyperbeat Pay Card is confirmed in more countries: 1 against 0, though neither publishes a full list. Of the markets we check for every card, only Hyperbeat Pay Card is confirmed in United States.
Who holds my funds with Hyperbeat Pay Card and Karta.io 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.