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Pionex Visa Card vs Tangem Pay

Tangem Pay scores higher on the G2M score: 62/100 against 49/100 (#15 and #22 of 28 cards). Pick Pionex Visa Card for a lower FX fee; pick Tangem Pay for more countries and control of your funds.

Pionex Visa Card49

#22 of 28 · 1% back · annual fee none

Get PionexRead the review
Tangem Pay62

#15 of 28 · 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 (#15 and #22 of 28 cards).
  • Both pay 1% cashback on their entry tier. Higher tiers go up to 4% on Tangem Pay.
  • Neither card has an annual fee.
  • Pionex Visa Card charges less on foreign currency: a 0% FX fee against 1.5%.
  • 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.
  • Pionex Visa Card is custodial; Tangem Pay is 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
Pionex Visa Card
Tangem Pay
G2M score
49
62 (better)
Base cashback
1%
1%
Max cashback
1%
4% (better)
Paid in
USDT
USDC
Annual fee
Free
Free
FX fee
0% (better)
1.5%
Top-up fee
0%
0%
Per-purchase fee
1% + $0.20 at or under $5, first 1 a month free
None listed
ATM
2% (physical card only; physical cards are not open to new applicants)
4% on Basic, 2% on Plus, 1% on Prestige
Network
Visa
Visa
Card type
Debit
Debit
Custody
Custodial
Self-custodial
Formats
virtual
virtual, physical, metal
Apple / Google Pay
Yes / Yes
? / ?
India
Unclear
Unclear
UAE
Unclear
Yes
United States
No
Yes
United Kingdom
No
Unclear
EU / EEA
Unclear
Unclear
Countries
Most countries; not the US, UK, Canada, France, the Netherlands, Japan, Singapore, Hong Kong or mainland China
Select regions worldwide
Bank account (IBAN or account number)
No
In your name
Send money to a bank account
Not confirmed
1 currency
Buy and sell crypto with fiat
Buy only
Buy and sell
Spend against crypto without selling
Not confirmed
No
Yield on your balance
Yes
No
Tiers
Visa
Basic · Plus · Prestige
Perks
5% a year on the card balance · Apple Pay and Google Pay · 5% a year on your card balance, paid hourly in USDT · Extra cashback at partner merchants through Pionex links
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, Pionex Visa Card or Tangem Pay?

Tangem Pay scores higher on the G2M score: 62/100 against 49/100 (#15 and #22 of 28 cards). Pick Pionex Visa Card for a lower FX fee; pick Tangem Pay for more countries and control of your funds. 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, Pionex Visa Card or Tangem Pay?

Neither card has an annual fee. Pionex Visa Card charges less on foreign currency: a 0% FX fee against 1.5%.

Which pays more cashback, Pionex Visa Card or Tangem Pay?

Both pay 1% cashback on their entry tier. Higher tiers go up to 4% on Tangem Pay.

Which works in more countries, Pionex Visa 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 Pionex Visa Card and Tangem Pay?

Pionex Visa Card is custodial; Tangem Pay is 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.