[ head to head ]

Karta.io Card vs KAST Card

KAST Card scores higher on the G2M score: 66/100 against 40/100 (#10 and #26 of 26 cards). Pick Karta.io Card for a lower FX fee; pick KAST Card for cashback and more countries.

Karta.io Card40

#26 of 26 · Not published back · annual fee none

Get Karta.io Read the review

KAST Card66

#10 of 26 · 1.5% to 3% back · annual fee none

Get KAST Read the review

The short answer

KAST Card scores higher on the G2M score: 66/100 against 40/100 (#10 and #26 of 26 cards).
KAST Card pays 1.5% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 3% on KAST Card.
Neither card has an annual fee.
Karta.io Card charges less on foreign currency: a 1% FX fee against 2%.
KAST Card is confirmed in more countries: 2 against 0, though neither publishes a full list. Of the markets we check for every card, only KAST Card is confirmed in United States.
Karta.io Card is self-custodial; KAST Card is custodial or self-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

Karta.io Card

KAST Card

G2M score

Base cashback

Not published

1.5%

Max cashback

Not published

Paid in

Not published

USD plus KAST Points

Annual fee

Free

FX fee

Top-up fee

Per-purchase fee

1.5%

$0.10 under $25 (non-USD)

ATM

1 USDT + 2.5% per withdrawal

$3 + 2%; up to $250 per withdrawal

Network

Visa

Card type

Prepaid

Credit

Custody

Self-custodial

Custodial or self-custodial

Formats

virtual, physical

Apple / Google Pay

Yes / Yes

India

Unclear

UAE

Unclear

United States

Yes

United Kingdom

Unclear

EU / EEA

Unclear

Countries

Not published; depends on local rules and card partners

Global (full country list not published)

Bank account (IBAN or account number)

In your name

Send money to a bank account

38 currencies

Buy and sell crypto with fiat

Buy only

Buy and sell

Spend against crypto without selling

Yield on your balance

Yes

Tiers

Karta Personal

Standard · Premium · Private

Perks

Visa Signature · Fiat top-ups by ACH, SEPA, SWIFT, PIX and SPEI

Concierge on every tier · Concierge · +1% back in KAST Points · +2% back in KAST Points

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, Karta.io Card or KAST Card?

KAST Card scores higher on the G2M score: 66/100 against 40/100 (#10 and #26 of 26 cards). Pick Karta.io Card for a lower FX fee; pick KAST 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, Karta.io Card or KAST Card?

Neither card has an annual fee. Karta.io Card charges less on foreign currency: a 1% FX fee against 2%.

Which pays more cashback, Karta.io Card or KAST Card?

KAST Card pays 1.5% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 3% on KAST Card.

Which works in more countries, Karta.io Card or KAST Card?

KAST Card is confirmed in more countries: 2 against 0, though neither publishes a full list. Of the markets we check for every card, only KAST Card is confirmed in United States.

Who holds my funds with Karta.io Card and KAST Card?

Karta.io Card is self-custodial; KAST Card is custodial or self-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.