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Hyperbeat Pay Card vs PEXX Card

PEXX Card scores higher on the G2M score: 62/100 against 22/100 (#19 and #39 of 39 cards). Pick Hyperbeat Pay Card for control of your funds; pick PEXX Card for cashback and more countries.

Hyperbeat Pay Card22

#39 of 39 · 0.2% to 12% back · annual fee Not published

Get HyperbeatRead the review
PEXX Card62

#19 of 39 · 1% back · annual fee none

Get PEXXRead the review

The short answer

  • PEXX Card scores higher on the G2M score: 62/100 against 22/100 (#19 and #39 of 39 cards).
  • PEXX Card pays more cashback on its entry tier: 1% against 0.2%. Higher tiers go up to 12% on Hyperbeat Pay Card.
  • PEXX Card has no annual fee; Hyperbeat Pay Card does not publish its annual fee.
  • PEXX Card charges 1.2% on foreign currency; Hyperbeat Pay Card does not publish its FX fee.
  • PEXX Card lists 68 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 Hyperbeat Pay Card is confirmed in United States, and only PEXX Card is confirmed in United Kingdom, EU / EEA and UAE.
  • Hyperbeat Pay Card is non-custodial; PEXX Card is 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
Hyperbeat Pay Card
PEXX Card
G2M score
22
62 (better)
Base cashback
0.2%
1% (better)
Max cashback
12% (better)
1%
Paid in
WHYPE
PEXX Points
Annual fee
Not published
Free
FX fee
Not published
1.2%
Top-up fee
Not published
0%
Per-purchase fee
None listed
0.6%
ATM
Not published
Not published
Network
Visa
Visa / Mastercard
Card type
Varies by region
Debit
Custody
Non-custodial
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, physical
Apple / Google Pay
? / ?
Yes / Yes
India
Unclear
No
UAE
Unclear
Yes
United States
Yes
No
United Kingdom
Unclear
Yes
EU / EEA
Unclear
Yes
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
68
Bank account (IBAN or account number)
Not confirmed
In your name
Send money to a bank account
Not confirmed
17 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
Yes
Not confirmed
Yield on your balance
Yes
Yes
Tiers
Everyday · All boosters · Trader $1M · Trader $5M
PEXX Card
Perks
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
PEXX Earn: up to 4% APY on USD, USDT and USDC (tokenised US Treasuries) · USD account with routing and account number · Points convert to HeyMax Max Miles · QR payments in Indonesia, Malaysia, Singapore, Vietnam and the Philippines

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 4 Nov 2026; see each card's review for its sources.

Questions

Which is better, Hyperbeat Pay Card or PEXX Card?

PEXX Card scores higher on the G2M score: 62/100 against 22/100 (#19 and #39 of 39 cards). Pick Hyperbeat Pay Card for control of your funds; pick PEXX Card for 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 PEXX Card?

PEXX Card has no annual fee; Hyperbeat Pay Card does not publish its annual fee. PEXX Card charges 1.2% on foreign currency; Hyperbeat Pay Card does not publish its FX fee.

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

PEXX 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, Hyperbeat Pay Card or PEXX Card?

PEXX Card lists 68 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 Hyperbeat Pay Card is confirmed in United States, and only PEXX Card is confirmed in United Kingdom, EU / EEA and UAE.

Who holds my funds with Hyperbeat Pay Card and PEXX Card?

Hyperbeat Pay Card is non-custodial; PEXX Card is 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.