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Karta.io Card vs OrbitX Card

OrbitX Card scores higher on the G2M score: 43/100 against 40/100 (#32 and #33 of 37 cards). Karta.io Card still comes out ahead on cashback, a lower annual fee and a lower FX fee.

Karta.io Card40

#33 of 37 · 0% back · annual fee none

Get Karta.ioRead the review
OrbitX Card43

#32 of 37 · Not published back · annual fee $12

Get OrbitXRead the review

The short answer

  • OrbitX Card scores higher on the G2M score: 43/100 against 40/100 (#32 and #33 of 37 cards).
  • Karta.io Card pays 0% cashback on its entry tier; OrbitX Card does not publish a rate.
  • Karta.io Card has no annual fee; OrbitX Card costs $12 a year.
  • Karta.io Card charges less on foreign currency: a 1% FX fee against 2%.
  • Neither card has confirmed a country we can count yet.
  • 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

Detail
Karta.io Card
OrbitX Card
G2M score
40
43 (better)
Base cashback
0%
Not published
Max cashback
Not published
Not published
Paid in
Not published
Not published
Annual fee
Free (better)
$12
FX fee
1% (better)
2%
Top-up fee
0%
0%
Per-purchase fee
1.5%
$0.20
ATM
1 USDT + 2.5% per withdrawal; 1 USDT for a declined withdrawal. Per the Karta app: up to 250 USDT per withdrawal including the fee, and 3 tries in any 24 hours (declined ones count)
Physical card only, not available yet: the ATM's own fee + 2% + $2; limit $500 on Neo, $1,000 on Lux
Network
Visa
Visa
Card type
Prepaid
Varies by region
Custody
Non-custodial
Non-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, physical, metal
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
Unclear
UAE
Unclear
Unclear
United States
No
Unclear
United Kingdom
Unclear
Unclear
EU / EEA
Unclear
Unclear
Countries
Not published; depends on local rules and card partners
No published country list. OrbitX focuses on Latin America, East Asia, Africa and the Middle East. The international card is not for US citizens; a separate US card agreement exists.
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
No
9 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
Yes
Tiers
Karta Personal
Neo · Lux
Perks
Visa Signature · Visa Airport Companion (DragonPass): lounge visits at fixed prices, airport dining discounts, some free set meals and airport transfer offers · 1GB of free GigSky eSIM data when travelling · Car rental insurance against theft or damage, up to 31 days · Purchase protection against theft or accidental damage, up to 180 days
Named bank accounts in 9 currencies: USD, EUR, GBP, AED, NGN, BRL, MXN, COP, PHP · Send money to 100+ countries in your own name · Yield on USDC through on-chain strategies · Funds on Base and Polygon; Solana and Tron coming · Visa Platinum

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 12 Nov 2026; see each card's review for its sources.

Questions

Which is better, Karta.io Card or OrbitX Card?

OrbitX Card scores higher on the G2M score: 43/100 against 40/100 (#32 and #33 of 37 cards). Karta.io Card still comes out ahead on cashback, a lower annual fee and a lower FX fee. 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 OrbitX Card?

Karta.io Card has no annual fee; OrbitX Card costs $12 a year. Karta.io Card charges less on foreign currency: a 1% FX fee against 2%.

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

Karta.io Card pays 0% cashback on its entry tier; OrbitX Card does not publish a rate.

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

Neither card has confirmed a country we can count yet.

Who holds my funds with Karta.io Card and OrbitX 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.