Yearly cost at three spending levels
| Monthly spend | OKX Card | Bitget Wallet |
|---|---|---|
| $500 | ≤ +$111.60 Non-VIP | ≤ +$99.60 Base |
| $2,000 | ≤ +$453.60 Non-VIP | ≤ +$398.40 Base |
| $5,000 | ≤ +$621.46 Non-VIP | ≤ +$996 Base |
Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | OKX Card Non-VIP | Bitget Wallet Base |
|---|---|---|
| Top-up and conversion fees | -$26.40 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $0 | -$81.60 |
| ATM fees | Not disclosed | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$480 | +$480 |
| Net per year | +$453.60 | +$398.40 |
Fees
OKX Card charges 0.1% to convert or top up and 0% on spending in a foreign currency. Bitget Wallet charges 0% and 1.7%.
The conversion fee applies to every dollar you load, so Bitget Wallet's lower rate matters most for everyday spending in your home currency. On $1,000 of spending, the gap is $1.
ATM withdrawals: OKX Card no atm access (virtual card only); Bitget Wallet no atm access (virtual card only).
A virtual card costs nothing with OKX Card and $0.10 with Bitget Wallet. A physical card costs an undisclosed fee and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
OKX Card cashback: 2% to 10%. Bitget Wallet cashback: 2% to 3%.
OKX Card tiers: Non-VIP: 2% on the first €2,500 a month, capped at €50 a month; VIP 1: 4% on the first €7,500 a month, capped at €300 a month; VIP 2: 4.5% on the first €10,000 a month, capped at €450 a month; VIP 3: 5% on the first €20,000 a month, capped at €1,000 a month; VIP 4+: 10% on the first €10,000 a month, capped at €1,000 a month.
Bitget Wallet tiers: Base: 2%; Booster: 3%.
OKX Card: Cashback is earned only on purchases paid with USDG and is credited in USDG. The VIP level depends on your OKX balance and trading volume. Rates apply from 1 September 2026.
Bitget Wallet: Cashback (called assetback) is paid into your choice of Bitcoin, gold, USDC or tokenized US stocks. Small gas fees apply to on-chain transactions.
Availability and KYC
OKX Card is offered in 28 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal and Spain. Available across the EU and Norway, excluding Iceland and Liechtenstein. The card is virtual only for now.
Bitget Wallet is offered in 41 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, United Kingdom, Argentina and Brazil. This entry covers the virtual card issued through Immersve in the EEA, the UK and Latin America. Bitget Wallet also offers cards in Asia (DCS Card Centre, with a physical card), mainland China (Fiat24) and South Africa on different terms.
OKX Card needs full KYC and Bitget Wallet needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
OKX Card does not publish fixed spending or ATM limits.
Bitget Wallet does not publish fixed spending or ATM limits.
OKX Card works with Apple Pay and Google Pay, and Bitget Wallet works with Apple Pay and Google Pay. OKX Card and Bitget Wallet issue a virtual card you can use straight away.
Custody and safety
OKX Card scores 74/100. Licensing: holds a licence or registration outside the tier-one list (MiCA crypto-asset service provider licence from the Malta Financial Services Authority (OKX Europe Limited); OKX says the card itself is not a MiCA-licensed product). 2025-02-24: Aux Cayes FinTech Co. Ltd., an OKX operator, pleaded guilty in the US to operating an unlicensed money transmitting business and agreed to pay more than $504 million. 2025-04-03: Malta's Financial Intelligence Analysis Unit fined OKX's European entity €1.1 million for anti-money laundering failures in 2023. OKX publishes a monthly proof of reserves; the 45th report was published on 30 July 2026.
Bitget Wallet scores 65/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. Bitget Wallet names its regional card issuers (Immersve for Europe and Latin America) but does not publish their licences on its card pages.
Full reports: OKX Card safety check and Bitget Wallet safety check.
About each card
OKX Card (Europe) is a self-custody Mastercard from OKX Europe Limited (Malta). It tops up with USDC and USDG and its balance is held in EUR.
Bitget Wallet Card (Europe and Latin America) is a self-custody Mastercard from Bitget Wallet (issued through Immersve). It tops up with USDC and USDT.
Which card fits you
OKX Card fits if
- You spend in foreign currencies often, since its FX markup is lower.
- You want a higher cashback ceiling (up to 10%).
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Bitget Wallet fits if
- Most of your spending is in your home currency, where its lower conversion fee counts most.
Read more: OKX Card fees and details · Bitget Wallet fees and details