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Kite Card vs Tangem Pay

Tangem Pay scores higher on the G2M score: 62/100 against 49/100 (#16 and #24 of 31 cards). Tangem Pay also comes out ahead on cashback, a lower FX fee and more countries.

Kite Card49

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

Get KiteRead the review
Tangem Pay62

#16 of 31 · 1% to 4% back · annual fee none

Get TangemRead the review

The short answer

  • Tangem Pay scores higher on the G2M score: 62/100 against 49/100 (#16 and #24 of 31 cards).
  • Tangem Pay pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 5% on Kite Card and 4% on Tangem Pay.
  • Neither card has an annual fee.
  • Tangem Pay charges less on foreign currency: a 1.5% FX fee against 1.8%.
  • Kite Card lists 9 countries where it works; Tangem Pay does not publish a full country list (50 confirmed so far). Of the markets we check for every card, only Tangem Pay is confirmed in United States and UAE.
  • 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
Kite Card
Tangem Pay
G2M score
49
62 (better)
Base cashback
0%
1% (better)
Max cashback
5% (better)
4%
Paid in
USD
USDC
Annual fee
Free
Free
FX fee
1.8%
1.5% (better)
Top-up fee
0.53%
0% (better)
Per-purchase fee
None listed
None listed
ATM
Coming soon
4% on Basic, 2% on Plus, 1% on Prestige
Network
Visa
Visa
Card type
Prepaid
Debit
Custody
Self-custodial
Self-custodial
Formats
virtual
virtual, physical, metal
Apple / Google Pay
Yes / Yes
? / ?
India
No
Unclear
UAE
No
Yes
United States
No
Yes
United Kingdom
No
Unclear
EU / EEA
No
Unclear
Countries
9
Select regions worldwide
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
17 currencies
1 currency
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
Not confirmed
No
Yield on your balance
Not confirmed
No
Tiers
Kite Card
Basic · Plus · Prestige
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)
Priority Pass lounges on Plus and Prestige · Welcome offer: 5% on your first $500 · 2 airport lounge visits a year · 8 airport lounge visits a year · Metal card

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, Kite Card or Tangem Pay?

Tangem Pay scores higher on the G2M score: 62/100 against 49/100 (#16 and #24 of 31 cards). Tangem Pay also comes out ahead on 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 Tangem Pay?

Neither card has an annual fee. Tangem Pay charges less on foreign currency: a 1.5% FX fee against 1.8%.

Which pays more cashback, Kite Card or Tangem Pay?

Tangem Pay pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 5% on Kite Card and 4% on Tangem Pay.

Which works in more countries, Kite Card or Tangem Pay?

Kite Card lists 9 countries where it works; Tangem Pay does not publish a full country list (50 confirmed so far). Of the markets we check for every card, only Tangem Pay is confirmed in United States and UAE.

Who holds my funds with Kite Card and Tangem Pay?

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.