Last verified: September 3, 2026.
Pionex Visa is worth considering for eligible USDT holders who want USDT cashback without an annual fee. Bybit EU can be a lower-cost option for euro spending from an existing EUR balance. KAST offers USD rewards and a physical-card option for eligible users. The right choice depends on the card you can actually obtain, its payment currency and the purchases that qualify for rewards.
This guide covers Pionex, RedotPay, Bybit EU, KAST, Crypto.com’s European prepaid card and Bitget Wallet Card. It is published by Pionex and uses provider fee schedules and eligibility guides, not hands-on payment tests or a universal ranking.
Contents
- 1 Crypto cards for international spending at a glance
- 2 Which Crypto Card Should You Choose for International Spending?
- 3 A €1,000 travel-spending example
- 4 Eligibility is not the same as merchant acceptance
- 5 Physical cards, ATMs and mobile wallets
- 6 Before relying on a card for your trip
- 7 Frequently asked questions
- 8 Bottom line
Crypto cards for international spending at a glance
Transaction fees, foreign-exchange charges and rewards are separate. A cashback credit does not mean the original payment had no fee.
| Card programme | Published purchase charges | Ordinary rewards | Main consideration |
|---|---|---|---|
| Pionex Visa | 1% transaction fee; USD/USDT settlement listed at 1:1 | Up to 1% USDT cashback on eligible spending, without a cap | Suitable for eligible USDT users; physical cards are invite-only |
| Pionex DogPay Mastercard, new applications | 3.5% transaction fee | 0.1% cashback on eligible spending | Different economics from Visa; virtual-only |
| RedotPay USD card | 1% crypto conversion plus 1.2% for non-default-currency transactions | No recurring reward assumed in this comparison | Physical card costs $100; conversion and FX charges can both apply |
| Bybit EU, EUR-denominated card | 0.5% FX when paying outside the card currency; 0.9% when crypto funds the payment | Non-VIP: 1% on eligible purchases, uncapped, through its rewards programme | Existing EUR-funded euro purchases avoid those two conditional charges |
| KAST Standard | 0% USD card spending; 0.5%–1.75% non-USD FX, depending on programme and location | 1.5% USD cashback on the first $2,000 of eligible monthly spending | $0 annual membership; physical card has a $40 delivery charge |
| Crypto.com European prepaid card | Midnight: non-EUR fee of 0.2% within EU/UK or 2% outside; other tiers have different terms | Depends on Level Up plan and regional reward terms | Funding fees matter; additional FX changes begin October 1, 2026 |
| Bitget Wallet Card | Regional issuer and funding route determine charges | 2% base assetback; 3% for qualifying users, with programme limits | This is the new-application product, not the old Bitget exchange card |
Sources: Pionex Visa fees, DogPay guide, RedotPay fees, Bybit EU fees and rewards, KAST fees and rewards, Crypto.com European fees, and Bitget Wallet Card.
Which Crypto Card Should You Choose for International Spending?
Pionex: check whether your account offers Visa or DogPay
Pionex Visa has a 1% transaction charge and eligible USDT cashback that can substantially offset it. The charge also applies to USD purchases; calling it only an “FX fee” would be misleading.
New Pionex Mastercard applications use DogPay. Its dedicated guide lists 3.5% transaction fees and 0.1% cashback, while earlier cards continue under their existing programme. Do not assume an older Mastercard rate applies to a newly issued card. Pionex DogPay guide.
Physical Pionex cards are invite-only. DogPay is virtual-only. If cash withdrawals or a physical card are essential for your trip, have an eligible physical card in hand before relying on those features.
Pionex Visa’s balance benefit is described as 5% APY, credited hourly, in its current help article. This is separate from spending cashback, is subject to product terms and should not be used as a guaranteed reduction in your travel bill. For detailed account information, see the Pionex Card review.
Bybit EU: useful when you already hold euros
For a EUR-denominated card, a euro purchase paid entirely from an existing EUR balance does not trigger the published foreign-exchange or crypto-conversion charge. Crypto-funded purchases add 0.9%; another payment currency can add FX costs too.
Bybit EU’s non-VIP cashback is now 1% on eligible purchases without a monthly cap. It is not the old “2% on only €200 of spending” calculation. Rewards use points that can be converted into the selected supported crypto asset. Bybit EU rewards guide.
KAST: a physical-card alternative with a reward ceiling
KAST Standard offers 1.5% USD cashback on the first $2,000 of eligible monthly purchases. That means a maximum $30 from this standard monthly spending allowance, not unlimited cashback. Non-USD FX ranges from 0.5% to 1.75%.
Its physical card has no card fee but a $40 delivery charge. Small non-USD purchases under $25 incur $0.10 each. Those details can matter more than the headline reward on a trip with many small payments. KAST fee schedule.
RedotPay: weigh access and limits against conversion costs
RedotPay lists $10 virtual-card and $100 physical-card issuance fees. Its USD-card fee schedule combines a 1% crypto-conversion charge with 1.2% when the purchase currency is not USD. Some specified merchants also attract a separate fee after monthly waivers.
Its published per-transaction ceiling is $100,000, subject to account controls. A high ceiling may be useful, but it is not a reason to overlook ongoing purchase charges. Fee schedule and merchant-specific fees.
Crypto.com: use the European schedule for European cards
A Crypto.com card issued under another regional programme can have different costs. For European residents, debit/credit-card top-ups cost 1%, and FX treatment depends on tier and transaction location.
Its fee schedule already announces changes for October 1, 2026, including new Ruby and Jade/Indigo non-EUR rules. Travellers leaving after September should use those effective-date terms. Rewards also depend on the plan; do not assume the entry-level card pays 1% CRO. European schedule and regional rewards information.
Bitget Wallet Card: do not use the old exchange-card rates
Bitget stopped accepting new applications for its exchange card on August 1, 2026. Existing cards can still be used until expiry but cannot be renewed. New applicants go through Bitget Wallet. Official transition notice.
Bitget Wallet Card offers assetback: rewards in a chosen supported asset, subject to caps and qualifying conditions. The advertised 2% or 3% reward is not the same as a fee waiver. Use the regional issuer’s fee quote, not the old exchange card’s 0.9% plus 1% schedule. Assetback rules.
A €1,000 travel-spending example
Assume a traveller makes €1,000 of ordinary euro-denominated purchases in one month. For illustration only, use €1 = US$1.10 at every conversion, so the purchase value is $1,100. Assume supported stablecoins convert at $1 each. These are calculation assumptions, not live exchange-rate quotes.
All purchases are above $25 equivalent. There are no ATM withdrawals, refunds, declined transactions or merchant-specific surcharges. Card issuance, funding/network costs, exchange-rate spreads and rewards are excluded from this first table.
| Card and funding route | Purchase-fee calculation | Illustrative fees, before rewards |
|---|---|---|
| Pionex Visa, USDT | $1,100 × 1% | $11, or €10 equivalent |
| New Pionex DogPay Mastercard, USDT | $1,100 × 3.5% | $38.50, or €35 equivalent |
| RedotPay USD card, crypto-funded | $1,100 × (1% + 1.2%) | Approximately $24.20, or €22 equivalent |
| Bybit EU EUR card, crypto-funded | $1,100 × 0.9%; no EUR-to-EUR FX | $9.90, or €9 equivalent |
| KAST Standard, supported stablecoin balance | $1,100 × 0.5%–1.75% | $5.50–$19.25, or €5–€17.50 equivalent |
| Bybit EU EUR card, already funded in EUR | No crypto conversion or cross-currency payment | €0 for those two charges |
| Crypto.com European card, already funded in EUR | No non-EUR payment | €0 foreign-transaction fee; funding costs remain separate |
These are fee illustrations, not final settlement quotes or a cheapest-card ranking. Bybit’s crypto sell rate and each network’s FX rate can differ. RedotPay’s figure adds the two published percentages on a common illustrative base. The EUR-funded rows are not equivalent to starting with crypto.
Bitget Wallet Card is not assigned a universal euro cost here because its regional issuer and funding route must first be selected.
Now account for rewards separately. On $1,100 of eligible spending with its monthly allowance unused, KAST’s 1.5% reward would be $16.50. Bybit EU’s 1% reward would be €10 equivalent on €1,000 of eligible spending. Actual credited value depends on reward rules and the selected asset.
For Pionex Visa, the official worked example calculates cashback on the fee-inclusive charge. If that example’s 1% cashback basis applies, a $1,111 debit would receive $11.11 back. This illustrates why eligible cashback can largely offset the fee, not why every purchase is free. Purchases that fail reward conditions still incur applicable costs. Pionex Visa calculation examples.
Never subtract cashback from fees and then add the same cashback again as extra profit. Likewise, a yield estimate on a hypothetical year-round balance is not a saving on this €1,000 trip.
Eligibility is not the same as merchant acceptance
First check whether your verified identity and residence qualify you to receive the card. Then check where that particular card can be used.
| Provider | Application and regional checks |
|---|---|
| Pionex | KYC determines the available card network. Mainland China and US users are excluded on the product page. Russian-KYC users are offered Mastercard, not Visa. |
| Bybit EU | Eligible European markets only, with identity/address requirements and separate nationality restrictions. Do not apply global Bybit card terms to the EU product. |
| RedotPay | Check both issuance and physical-delivery restrictions. Issuance exclusions include the US, mainland China, India, Russia, Singapore and Turkey. |
| KAST | Supported residence and identity documents are checked during onboarding. A country missing from its supported selection cannot be assumed eligible. |
| Crypto.com | This guide uses the European-resident programme. US, UK, Singapore and other regional cards need their own schedules. |
| Bitget Wallet Card | Regional options cover eligible markets in Europe, Latin America, Asia and South Africa. Physical access is narrower than virtual-card eligibility. |
Sources: Pionex regional rules, Pionex Pay, Bybit EU application guide and restricted nationalities, RedotPay issuance and delivery, KAST eligibility, and Bitget Wallet regions.
Pionex separately restricts payments to merchants registered in or operating from Afghanistan, Venezuela, Russia, Myanmar, Ukraine, North Korea, Iran and Belarus. A Russian-KYC user’s eligibility for Mastercard does not make purchases at Russian merchants supported. The old claim that Pionex is the “only card available” in a country is not a reliable basis for choosing a card.
Physical cards, ATMs and mobile wallets
| Programme | Physical-card or cash-access detail |
|---|---|
| Pionex | Physical cards are invite-only. Eligible physical Visa ATM withdrawals cost 2%, before operator charges. DogPay is virtual-only, with no ATM withdrawals. |
| RedotPay USD card | $100 physical issuance. ATM fee is 2% up to $10,000 withdrawn monthly and 3% above that; crypto conversion, non-default-currency and operator charges may also apply. |
| Bybit EU | First physical issuance is currently free. ATM withdrawal fee is 2% after the first €100 each month, with FX/conversion charges where relevant. |
| KAST Standard | $40 physical delivery. ATM withdrawals cost $3 plus 2%, with non-USD FX and possible operator charges extra. |
| Crypto.com Europe | Midnight physical issuance is €4.99. Its monthly fee-free ATM allowance is €200, then 2% on the excess; other costs can still apply. |
| Bitget Wallet Card | Physical cards are listed for Singapore, South Korea, Japan, Vietnam, Malaysia, Taiwan, Australia, Thailand and the Philippines. Check the assigned issuer’s ATM terms. |
Sources: the fee schedules above, RedotPay ATM terms, and Bitget physical-card availability.
For phone payments, Pionex documents Apple Pay and Google Pay setup, subject to card and regional support; Alipay and WeChat Pay support in its guide is Visa-specific. Pionex digital wallets.
Bybit EU, KAST and Bitget Wallet advertise Apple Pay and Google Pay support. Crypto.com publishes a region-by-region Apple Pay table, and RedotPay has separate wallet-linking instructions. Check the exact card before departure rather than assuming every virtual card supports every wallet. Bybit EU wallets, KAST cards, Crypto.com Apple Pay, and RedotPay wallet guides.
Before relying on a card for your trip
- Test a small, normal purchase. Confirm that the card and your chosen mobile wallet work before moving your whole travel budget.
- Leave room for holds. Hotels and car-rental companies may require deposits or a physical card and can reject particular debit/prepaid cards.
- Read the currency choice at checkout. Merchant or ATM currency conversion can introduce another exchange rate and markup.
- Check reward exclusions. Cash withdrawals, refunds, money transfers and some merchant categories may not earn rewards. Pionex publishes specific merchant-category and country exclusions in its cashback rules.
- Keep another payment method. Card acceptance, account reviews, internet access and regional restrictions can interrupt spending.
- Keep records. Crypto funding and spending may have tax consequences under your local rules. A crypto-card balance should not be assumed to have the protections of an insured bank deposit.
For Pionex-specific follow-up, use where Pionex Card works, the cashback guide, or the dedicated RedotPay, Bybit and Bitget comparisons. Current provider terms control if an older guide describes an earlier programme.
Frequently asked questions
What is the best crypto card for international spending?
Pionex Visa is worth considering for eligible USDT holders who want USDT cashback without an annual fee. Bybit EU may cost less for euro purchases funded from an existing EUR balance, while KAST may suit eligible travellers who want a physical card and USD rewards. Your available card programme, payment currency and reward eligibility determine the better choice.
Does Pionex Card charge a foreign exchange fee?
Pionex Visa’s published 1% charge is a transaction fee, not a fee limited to foreign-currency purchases. New DogPay Mastercard cards have a published 3.5% transaction fee. Non-USD purchases also use the applicable exchange rate. Cashback is a separate credit and does not remove the fee charged at payment.
Can anyone get a physical Pionex Card?
No. Physical Pionex cards are invite-only. The current DogPay Mastercard is virtual-only and does not support ATM cash withdrawals. Do not plan a trip around physical-card or ATM access unless you already have an eligible physical card.
Is the old Bitget Card the same as Bitget Wallet Card?
No. Bitget stopped accepting new applications for its exchange card on August 1, 2026. Existing cards can continue until expiry but cannot be renewed. New applicants use Bitget Wallet Card, whose regional fees and assetback rewards are different.
Does cashback make international spending free?
Not automatically. Eligible rewards may offset some fees, but reward caps, excluded purchases, exchange rates, funding costs and cash-withdrawal fees can still leave a cost. Deduct cashback only once and keep card-balance yield separate from spending rewards.
Can a virtual crypto card be used abroad?
A virtual card can be used online and, where supported, through a mobile wallet at contactless terminals. Wallet availability depends on the card programme, device and region. It does not guarantee ATM access or acceptance for hotel and car-rental deposits.
Can Russian-KYC users get a Pionex Visa Card?
Pionex’s regional guide says Russian-KYC accounts are offered Mastercard, not Visa. This is different from merchant acceptance: Pionex Visa and Mastercard payments to merchants registered in or operating from Russia are restricted.
Bottom line
Start with the card your verified account can obtain, then calculate the costs for your travel currency and funding method. Pionex Visa can be useful for eligible USDT spenders, but DogPay has different fees. Bybit EU’s EUR funding route, KAST’s physical card and other providers’ regional options can be better fits for particular trips.
Change log, September 3, 2026: distinguished Pionex Visa and DogPay; corrected physical-card access, competitor programmes and reward calculations; added a €1,000 fee example and updated regional sources.
Disclaimer: This article is for informational purposes only and does not constitute financial, investment or tax advice. Fees, rewards, eligibility and product terms can change. Crypto assets carry risk, including possible loss of value. Check the terms for your specific account before applying or spending.
