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Kite Card vs OrbitX Card

Kite Card scores higher on the G2M score: 51/100 against 43/100 (#25 and #32 of 37 cards). Kite Card also comes out ahead on cashback, a lower annual fee, a lower FX fee and more countries.

Kite Card51

#25 of 37 · 0% to 5% back · annual fee none

Get KiteRead the review
OrbitX Card43

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

Get OrbitXRead the review

The short answer

  • Kite Card scores higher on the G2M score: 51/100 against 43/100 (#25 and #32 of 37 cards).
  • Kite Card pays 0% cashback on its entry tier; OrbitX Card does not publish a rate. Higher tiers go up to 5% on Kite Card.
  • Kite Card has no annual fee; OrbitX Card costs $12 a year.
  • Kite Card charges less on foreign currency: a 1.8% FX fee against 2%.
  • Kite Card lists 9 countries where it works; OrbitX Card does not publish a full country list.
  • 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
Kite Card
OrbitX Card
G2M score
51 (better)
43
Base cashback
0%
Not published
Max cashback
5%
Not published
Paid in
USD
Not published
Annual fee
Free (better)
$12
FX fee
1.8% (better)
2%
Top-up fee
0%
0%
Per-purchase fee
None listed
$0.20
ATM
Coming soon
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
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
Unclear
UAE
No
Unclear
United States
No
Unclear
United Kingdom
No
Unclear
EU / EEA
No
Unclear
Countries
9
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
17 currencies
9 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
Not confirmed
Not confirmed
Yield on your balance
Not confirmed
Yes
Tiers
Kite Card
Neo · Lux
Perks
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)
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 3 Nov 2026; see each card's review for its sources.

Questions

Which is better, Kite Card or OrbitX Card?

Kite Card scores higher on the G2M score: 51/100 against 43/100 (#25 and #32 of 37 cards). Kite Card also comes out ahead on cashback, a lower annual fee, a lower FX fee 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, Kite Card or OrbitX Card?

Kite Card has no annual fee; OrbitX Card costs $12 a year. Kite Card charges less on foreign currency: a 1.8% FX fee against 2%.

Which pays more cashback, Kite Card or OrbitX Card?

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

Which works in more countries, Kite Card or OrbitX Card?

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

Who holds my funds with Kite 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.