[ head to head ]

Karta.io Card vs PEXX Card

Karta.io Card40

#35 of 39 · 0% back · annual fee none

Get Karta.io Read the review

PEXX Card62

#19 of 39 · 1% back · annual fee none

Get PEXX Read the review

The short answer

PEXX Card scores higher on the G2M score: 62/100 against 40/100 (#19 and #35 of 39 cards).
PEXX Card pays more cashback on its entry tier: 1% against 0%.
Neither card has an annual fee.
Karta.io Card charges less on foreign currency: a 1% FX fee against 1.2%.
PEXX Card lists 68 countries where it works; Karta.io Card does not publish a full country list. Of the markets we check for every card, only PEXX Card is confirmed in United Kingdom, EU / EEA and UAE.
Karta.io 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

Karta.io Card

PEXX Card

G2M score

Base cashback

Max cashback

Not published

Paid in

Not published

PEXX Points

Annual fee

Free

FX fee

1.2%

Top-up fee

Per-purchase fee

1.5%

0.6%

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)

Not published

Network

Visa

Visa / Mastercard

Card type

Prepaid

Debit

Custody

Non-custodial

Custodial

Sign-up bonus (G2M link)

None published

No ID check

ID needed or not stated

Formats

virtual, physical, metal

virtual, physical

Apple / Google Pay

Yes / Yes

India

Unclear

UAE

Unclear

Yes

United States

United Kingdom

Unclear

Yes

EU / EEA

Unclear

Yes

Countries

Not published; depends on local rules and card partners

Bank account (IBAN or account number)

In your name

Send money to a bank account

17 currencies

Buy and sell crypto with fiat

Buy only

Buy and sell

Spend against crypto without selling

Not confirmed

Yield on your balance

Yes

Tiers

Karta Personal

PEXX Card

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

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 12 Nov 2026; see each card's review for its sources.

Questions

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

PEXX Card scores higher on the G2M score: 62/100 against 40/100 (#19 and #35 of 39 cards). Pick Karta.io Card for a lower FX fee and 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, Karta.io Card or PEXX Card?

Neither card has an annual fee. Karta.io Card charges less on foreign currency: a 1% FX fee against 1.2%.

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

PEXX Card pays more cashback on its entry tier: 1% against 0%.

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

PEXX Card lists 68 countries where it works; Karta.io Card does not publish a full country list. Of the markets we check for every card, only PEXX Card is confirmed in United Kingdom, EU / EEA and UAE.

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

Karta.io 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.