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Kite Card vs PEXX Card

PEXX Card scores higher on the G2M score: 62/100 against 51/100 (#19 and #27 of 39 cards). Pick Kite Card for control of your funds; pick PEXX Card for cashback, a lower FX fee and more countries.

Kite Card51

#27 of 39 · 0% to 5% back · annual fee none

Get KiteRead the review
PEXX Card62

#19 of 39 · 1% back · annual fee none

Get PEXXRead the review

The short answer

  • PEXX Card scores higher on the G2M score: 62/100 against 51/100 (#19 and #27 of 39 cards).
  • PEXX Card pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 5% on Kite Card.
  • Neither card has an annual fee.
  • PEXX Card charges less on foreign currency: a 1.2% FX fee against 1.8%.
  • PEXX Card is confirmed in more countries: 68 against 9. Of the markets we check for every card, only PEXX Card is confirmed in United Kingdom, EU / EEA and UAE.
  • Kite 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

Detail
Kite Card
PEXX Card
G2M score
51
62 (better)
Base cashback
0%
1% (better)
Max cashback
5% (better)
1%
Paid in
USD
PEXX Points
Annual fee
Free
Free
FX fee
1.8%
1.2% (better)
Top-up fee
0%
0%
Per-purchase fee
None listed
0.6%
ATM
Coming soon
Not published
Network
Visa
Visa / Mastercard
Card type
Prepaid
Debit
Custody
Non-custodial
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, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
No
Yes
United States
No
No
United Kingdom
No
Yes
EU / EEA
No
Yes
Countries
9
68
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
17 currencies
17 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
PEXX Card
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)
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 3 Nov 2026; see each card's review for its sources.

Questions

Which is better, Kite Card or PEXX Card?

PEXX Card scores higher on the G2M score: 62/100 against 51/100 (#19 and #27 of 39 cards). Pick Kite Card for control of your funds; pick PEXX Card for cashback, 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 PEXX Card?

Neither card has an annual fee. PEXX Card charges less on foreign currency: a 1.2% FX fee against 1.8%.

Which pays more cashback, Kite Card or PEXX Card?

PEXX Card pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 5% on Kite Card.

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

PEXX Card is confirmed in more countries: 68 against 9. 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 Kite Card and PEXX Card?

Kite 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.