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OrbitX Card vs PEXX Card

PEXX Card scores higher on the G2M score: 62/100 against 43/100 (#19 and #34 of 39 cards). Pick OrbitX Card for control of your funds; pick PEXX Card for cashback, a lower annual fee, a lower FX fee and more countries.

OrbitX Card43

#34 of 39 · Not published back · annual fee $12

Get OrbitXRead 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 43/100 (#19 and #34 of 39 cards).
  • PEXX Card pays 1% cashback on its entry tier; OrbitX Card does not publish a rate.
  • PEXX Card has no annual fee; OrbitX Card costs $12 a year.
  • PEXX Card charges less on foreign currency: a 1.2% FX fee against 2%.
  • PEXX Card lists 68 countries where it works; OrbitX 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.
  • OrbitX 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
OrbitX Card
PEXX Card
G2M score
43
62 (better)
Base cashback
Not published
1%
Max cashback
Not published
1%
Paid in
Not published
PEXX Points
Annual fee
$12
Free (better)
FX fee
2%
1.2% (better)
Top-up fee
0%
0%
Per-purchase fee
$0.20
0.6%
ATM
Physical card only, not available yet: the ATM's own fee + 2% + $2; limit $500 on Neo, $1,000 on Lux
Not published
Network
Visa
Visa / Mastercard
Card type
Varies by region
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
Unclear
No
UAE
Unclear
Yes
United States
Unclear
No
United Kingdom
Unclear
Yes
EU / EEA
Unclear
Yes
Countries
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.
68
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
9 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
Yes
Yes
Tiers
Neo · Lux
PEXX Card
Perks
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
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, OrbitX Card or PEXX Card?

PEXX Card scores higher on the G2M score: 62/100 against 43/100 (#19 and #34 of 39 cards). Pick OrbitX Card for control of your funds; pick PEXX Card for 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, OrbitX Card or PEXX Card?

PEXX Card has no annual fee; OrbitX Card costs $12 a year. PEXX Card charges less on foreign currency: a 1.2% FX fee against 2%.

Which pays more cashback, OrbitX Card or PEXX Card?

PEXX Card pays 1% cashback on its entry tier; OrbitX Card does not publish a rate.

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

PEXX Card lists 68 countries where it works; OrbitX 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 OrbitX Card and PEXX Card?

OrbitX 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.