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OrbitX Card vs Tangem Pay

Tangem Pay scores higher on the G2M score: 62/100 against 43/100 (#17 and #32 of 37 cards). Tangem Pay also comes out ahead on cashback, a lower annual fee, a lower FX fee and more countries.

OrbitX Card43

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

Get OrbitXRead the review
Tangem Pay62

#17 of 37 · 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 43/100 (#17 and #32 of 37 cards).
  • Tangem Pay pays 1% cashback on its entry tier; OrbitX Card does not publish a rate. Higher tiers go up to 4% on Tangem Pay.
  • Tangem Pay has no annual fee; OrbitX Card costs $12 a year.
  • Tangem Pay charges less on foreign currency: a 1.5% FX fee against 2%.
  • Tangem Pay is confirmed in more countries: 50 against 0, though neither publishes a full list. Of the markets we check for every card, only Tangem Pay is confirmed in United States and UAE.
  • 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
OrbitX Card
Tangem Pay
G2M score
43
62 (better)
Base cashback
Not published
1%
Max cashback
Not published
4%
Paid in
Not published
USDC
Annual fee
$12
Free (better)
FX fee
2%
1.5% (better)
Top-up fee
0%
0%
Per-purchase fee
$0.20
None listed
ATM
Physical card only, not available yet: the ATM's own fee + 2% + $2; limit $500 on Neo, $1,000 on Lux
4% on Basic, 2% on Plus, 1% on Prestige
Network
Visa
Visa
Card type
Varies by region
Debit
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, physical, metal
Apple / Google Pay
Yes / Yes
? / ?
India
Unclear
Unclear
UAE
Unclear
Yes
United States
Unclear
Yes
United Kingdom
Unclear
Unclear
EU / EEA
Unclear
Unclear
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.
Select regions worldwide
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
9 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
Yes
No
Tiers
Neo · Lux
Basic · Plus · Prestige
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
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, OrbitX Card or Tangem Pay?

Tangem Pay scores higher on the G2M score: 62/100 against 43/100 (#17 and #32 of 37 cards). Tangem Pay 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, OrbitX Card or Tangem Pay?

Tangem Pay has no annual fee; OrbitX Card costs $12 a year. Tangem Pay charges less on foreign currency: a 1.5% FX fee against 2%.

Which pays more cashback, OrbitX Card or Tangem Pay?

Tangem Pay pays 1% cashback on its entry tier; OrbitX Card does not publish a rate. Higher tiers go up to 4% on Tangem Pay.

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

Tangem Pay is confirmed in more countries: 50 against 0, though neither publishes a full list. Of the markets we check for every card, only Tangem Pay is confirmed in United States and UAE.

Who holds my funds with OrbitX Card and Tangem Pay?

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.