[ head to head ]

Infini Card vs Kolo Card

Infini Card62

#17 of 36 · 1.5% to 2.5% back · annual fee none

Get Infini Read the review

Kolo Card46

#30 of 36 · 1% to 2% back · annual fee none

Get Kolo Read the review

The short answer

Infini Card scores higher on the G2M score: 62/100 against 46/100 (#17 and #30 of 36 cards).
Infini Card pays more cashback on its entry tier: 1.5% against 1%. Higher tiers go up to 2.5% on Infini Card and 2% on Kolo Card.
Neither card has an annual fee.
Infini Card charges less on foreign currency: a 1% FX fee against 1.4%.
Kolo Card is confirmed in more countries: 3 against 0, though neither publishes a full list. Of the markets we check for every card, only Kolo Card is confirmed in United Kingdom and UAE.
Infini Card is custodial; Kolo Card is 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

Infini Card

Kolo Card

G2M score

Base cashback

1.5%

Max cashback

2.5%

Paid in

Not published

BTC, daily

Annual fee

Free

FX fee

1.4%

Top-up fee

Per-purchase fee

None listed

ATM

Not published

USD card only: $1 + 0.65%, up to $500 a withdrawal and 3 a day, at contactless ATMs. No ATM access on the EUR card.

Network

Visa / Mastercard

Visa

Card type

Prepaid

Debit

Custody

Custodial

Non-custodial

Sign-up bonus (G2M link)

None published

No ID check

ID needed or not stated

Formats

virtual, physical

virtual

Apple / Google Pay

Yes / Yes

India

Unclear

UAE

Unclear

Yes

United States

Unclear

United Kingdom

Unclear

Yes

EU / EEA

Unclear

Countries

Infini says it supports 180+ countries but publishes no country list; sanctioned countries are excluded

Bank account (IBAN or account number)

In your name

Send money to a bank account

2 currencies

1 currency

Buy and sell crypto with fiat

Buy and sell

Sell only

Spend against crypto without selling

Not confirmed

Yield on your balance

Yes

Tiers

Pro · Lite · Max

Kolo Card

Perks

Infini Lite works for ChatGPT and Claude subscriptions · USD and EUR account details to get paid · Infini Earn: yield on stablecoins and BTC · Finny, an AI expense tracker · Visa with a Hong Kong card BIN

Visa Platinum benefits, claimed through Visa · Send crypto to any SEPA bank account · 2% for the first 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, Infini Card or Kolo Card?

Infini Card scores higher on the G2M score: 62/100 against 46/100 (#17 and #30 of 36 cards). Pick Infini Card for cashback and a lower FX fee; pick Kolo Card for more countries and control of your funds. 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, Infini Card or Kolo Card?

Neither card has an annual fee. Infini Card charges less on foreign currency: a 1% FX fee against 1.4%.

Which pays more cashback, Infini Card or Kolo Card?

Infini Card pays more cashback on its entry tier: 1.5% against 1%. Higher tiers go up to 2.5% on Infini Card and 2% on Kolo Card.

Which works in more countries, Infini Card or Kolo Card?

Kolo Card is confirmed in more countries: 3 against 0, though neither publishes a full list. Of the markets we check for every card, only Kolo Card is confirmed in United Kingdom and UAE.

Who holds my funds with Infini Card and Kolo Card?

Infini Card is custodial; Kolo Card is 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.