[ head to head ]

RedotPay Card vs XPlace Card

XPlace Card scores higher on the G2M score: 57/100 against 54/100 (#22 and #23 of 36 cards). XPlace Card also comes out ahead on cashback, more countries and control of your funds.

RedotPay Card54

#23 of 36 · Not published back · annual fee none

Get RedotPay Read the review

XPlace Card57

#22 of 36 · 0.5% to 2% back · annual fee none

Get XPlace Read the review

The short answer

XPlace Card scores higher on the G2M score: 57/100 against 54/100 (#22 and #23 of 36 cards).
XPlace Card pays 0.5% cashback on its entry tier; RedotPay Card does not publish a rate. Higher tiers go up to 2% on XPlace Card.
Neither card has an annual fee.
RedotPay Card charges 1.2% on foreign currency; XPlace Card does not publish its FX fee.
XPlace Card is confirmed in more countries: 233 against 200, though neither publishes a full list. Of the markets we check for every card, only XPlace Card is confirmed in United States.
RedotPay Card is custodial; XPlace Card is 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

RedotPay Card

XPlace Card

G2M score

Base cashback

Not published

0.5%

Max cashback

Not published

Paid in

Points

USDC

Annual fee

Free

FX fee

1.2%

Not published

Top-up fee

Per-purchase fee

1% + $0.20 at or under $1, first 5 a month free

None listed

ATM

USD card: 2% up to $10,000 a month, 3% above. HKD card: 2%. Up to 3 a day and 30 a month ($3,750 a day, $50,000 a month on the USD card)

Not published

Network

Visa

Card type

Prepaid

Varies by region

Custody

Custodial

Non-custodial

Sign-up bonus (G2M link)

$5 spend credit for new users who join through G2M's link; the conditions are shown in the RedotPay app

None published

No ID check

ID needed or not stated

Formats

virtual, physical

Apple / Google Pay

Yes / ?

Yes / Yes

India

UAE

Yes

United States

Yes

United Kingdom

Yes

EU / EEA

Yes

Countries

201

Worldwide except 17 countries (including India, China, Turkey and Vietnam) and 19 US states

Bank account (IBAN or account number)

In your name

Not confirmed

Send money to a bank account

6 currencies

Not confirmed

Buy and sell crypto with fiat

Buy and sell

Not confirmed

Spend against crypto without selling

Yes

Yield on your balance

Yes

Tiers

Virtual card · Physical card

Basic · Silver · Gold · Platinum

Perks

Points rewards

Credit Mode: spend against crypto or tokenized stocks without selling · Yield on deposits through Kamino · Airport lounges and fast track on paid plans · 24/7 human support · Spending up to $2,000 a month

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, RedotPay Card or XPlace Card?

XPlace Card scores higher on the G2M score: 57/100 against 54/100 (#22 and #23 of 36 cards). XPlace Card also comes out ahead on cashback, 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, RedotPay Card or XPlace Card?

Neither card has an annual fee. RedotPay Card charges 1.2% on foreign currency; XPlace Card does not publish its FX fee.

Which pays more cashback, RedotPay Card or XPlace Card?

XPlace Card pays 0.5% cashback on its entry tier; RedotPay Card does not publish a rate. Higher tiers go up to 2% on XPlace Card.

Which works in more countries, RedotPay Card or XPlace Card?

XPlace Card is confirmed in more countries: 233 against 200, though neither publishes a full list. Of the markets we check for every card, only XPlace Card is confirmed in United States.

Who holds my funds with RedotPay Card and XPlace Card?

RedotPay Card is custodial; XPlace Card is 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.