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Karta.io Card vs Kite Card

Kite Card scores higher on the G2M score: 49/100 against 40/100 (#24 and #30 of 31 cards). Pick Karta.io Card for a lower FX fee; pick Kite Card for cashback and more countries.

Karta.io Card40

#30 of 31 · Not published back · annual fee none

Get Karta.ioRead the review
Kite Card49

#24 of 31 · 0% to 5% back · annual fee none

Get KiteRead the review

The short answer

  • Kite Card scores higher on the G2M score: 49/100 against 40/100 (#24 and #30 of 31 cards).
  • Kite Card pays 0% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 5% on Kite Card.
  • Neither card has an annual fee.
  • Karta.io Card charges less on foreign currency: a 1% FX fee against 1.8%.
  • Kite Card lists 9 countries where it works; Karta.io Card does not publish a full country list.
  • Both are 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

Detail
Karta.io Card
Kite Card
G2M score
40
49 (better)
Base cashback
Not published
0%
Max cashback
Not published
5%
Paid in
Not published
USD
Annual fee
Free
Free
FX fee
1% (better)
1.8%
Top-up fee
0% (better)
0.53%
Per-purchase fee
1.5%
None listed
ATM
1 USDT + 2.5% per withdrawal
Coming soon
Network
Visa
Visa
Card type
Prepaid
Prepaid
Custody
Self-custodial
Self-custodial
Formats
virtual, physical
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
No
UAE
Unclear
No
United States
No
No
United Kingdom
Unclear
No
EU / EEA
Unclear
No
Countries
Not published; depends on local rules and card partners
9
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
No
17 currencies
Buy and sell crypto with fiat
Buy only
Buy and sell
Spend against crypto without selling
No
Not confirmed
Yield on your balance
No
Not confirmed
Tiers
Karta Personal
Kite Card
Perks
Visa Signature · Fiat top-ups by ACH, SEPA, SWIFT, PIX and SPEI
Non-custodial Kite wallet · USD account to receive ACH and wires · Cash out to banks in 17 countries · 5% back on Grab, Travala, streaming, AI and creator subscriptions and Starlink until 30 Nov 2026 (no cap)

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 Kite Card?

Kite Card scores higher on the G2M score: 49/100 against 40/100 (#24 and #30 of 31 cards). Pick Karta.io Card for a lower FX fee; pick Kite 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 Kite Card?

Neither card has an annual fee. Karta.io Card charges less on foreign currency: a 1% FX fee against 1.8%.

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

Kite Card pays 0% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 5% on Kite Card.

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

Kite Card lists 9 countries where it works; Karta.io Card does not publish a full country list.

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

Both are 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.