Yearly cost at three spending levels
| Monthly spend | OKX Card | Plutus |
|---|---|---|
| $500 | ≤ +$111.60 Non-VIP | ≤ -$23.02 Starter (€6.99 a month) |
| $2,000 | ≤ +$453.60 Non-VIP | ≤ -$113.02 Starter (€6.99 a month) |
| $5,000 | ≤ +$621.46 Non-VIP | ≤ -$293.02 Starter (€6.99 a month) |
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 | Plutus Starter (€6.99 a month) |
|---|---|---|
| Top-up and conversion fees | -$26.40 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $0 | -$120 |
| ATM fees | Not disclosed | Not disclosed |
| Annual, monthly and subscription fees | $0 | -$95.60 |
| Cashback | +$480 | +$102.58 |
| Net per year | +$453.60 | -$113.02 |
Fees
OKX Card charges 0.1% to convert or top up and 0% on spending in a foreign currency. Plutus charges 0% and 2.5%.
The conversion fee applies to every dollar you load, so Plutus'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); Plutus 2.5%.
A virtual card costs nothing with OKX Card and nothing with Plutus. A physical card costs an undisclosed fee and €9.99. Neither card has an annual fee on its base tier.
Cashback and rewards
OKX Card cashback: 2% to 10%. Plutus cashback: 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.
Plutus tiers: Starter (€6.99 a month): 3% on the first €250 a month; Everyday (€9.99 a month): 3% on the first €500 a month; Premium (€19.99 a month): 3% on the first €1,000 a month.
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.
Plutus: Rewards are paid in PLU. Holding more PLU raises the rate from 3% up to 9% and unlocks perks. Plan prices include a promotional discount shown on Plutus's plans page; the fees shown are the same in GBP.
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.
Plutus does not publish a country list. Plutus offers EUR and GBP cards and does not publish a country list on its fees page.
OKX Card needs full KYC and Plutus 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.
Plutus publishes a daily spending limit of €500,000 and a monthly limit of €1,000,000.
OKX Card works with Apple Pay and Google Pay, and Plutus does not list either. OKX Card and Plutus 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.
Plutus scores 44/100. 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. Plutus refers to a banking partner for its card but does not name the issuer on its fees and plans pages.
Full reports: OKX Card safety check and Plutus 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.
Plutus Card is a custodial Visa card from Plutus (Block Code Ltd, UK; Block Code LT UAB, Lithuania). It tops up with EUR and GBP and its balance is held in EUR.
Which card fits you
OKX Card fits if
- You want to keep crypto in your own wallet until each payment.
- 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.
Plutus 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 · Plutus fees and details