OKX Card vs Tria

Yearly cost at three spending levels

Yearly cost: conversion, FX, ATM and fixed fees minus cashback. A minus sign means cashback outweighs 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

Fees

OKX Card charges 0.1% to convert or top up and 0% on spending in a foreign currency. Tria charges 0% and 0%.

The conversion fee applies to every dollar you load, so Tria'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); Tria 1% + $1.

A virtual card costs nothing with OKX Card and nothing with Tria. A physical card costs an undisclosed fee and nothing.

Cashback and rewards

OKX Card cashback: 2% to 10%. Tria cashback: 1.5% to 6%.

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.

Tria tiers: Lite (virtual): 1.5% on the first $1,000 a month; Pro (plastic, $109 a year): 4.5% on the first $2,000 a month; Max (metal, $250 a year): 6% on the first $2,000 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.

Tria: Paid in USDT on Arbitrum in periodic batches, with a waiting period of up to 90 days. Tria renamed its tiers Lite, Pro and Max. Above the monthly spend cap the rate drops to 0.5% on Lite and 1% on Pro and Max, which this model does not capture. An active staking badge adds a boost within the cap. Cash withdrawals, transfers, wallet funding, gambling and vouchers earn nothing. The Pro and Max subscriptions below are the extra cost over the $25 virtual membership ($109 and $250 a year in total). Season 3 rates apply from 1 June 2026.

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.

Tria is offered in 223 countries and territories and excludes 26, including India.

OKX Card needs full KYC and Tria 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.

Tria publishes a daily spending limit of $1,000,000 and ATM withdrawals of up to $750 a day.

OKX Card works with Apple Pay and Google Pay, and Tria works with Apple Pay and Google Pay. OKX Card and Tria issue a virtual card you can use straight away.

Custody and safety

OKX Card scores 84/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through UAB Monavate. 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.

Tria scores 52/100. Licensing: we could not confirm a licence for the card issuer on its own website. 2026-08-28: An attacker exploited an authorization flaw in an older version of Rain's Solana card contract, which Tria's card programme used, and made $431,945 of unauthorized withdrawals affecting 636 Tria customers. Tria reimbursed affected users in full plus an extra 10%, and Rain says every programme on the vulnerable contract was upgraded. The same exploit hit Avici; about $1.1 million was taken across Rain-powered programmes. Tria's cards work as collateral-backed credit cards at 0% APR. Spending is secured by crypto in the user's own wallet, and a "Liquidation Event" sells collateral if charges go unpaid for one calendar day or the collateral value falls below the balance. International cards are issued by Nimbus, LLC, a Delaware company whose terms link to a privacy notice on legal.raincards.xyz. US cards are issued by "Third National". In Nigeria the card is marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria. Tria (Threely Dimensions, Inc.) says it "is not a bank, money services business, card issuer". No proof of reserves applies because Tria holds no customer assets. We found no official enforcement actions. The August 2026 Rain contract exploit is recorded under incidents.

Full reports: OKX Card safety check and Tria 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.

Tria Card (Global) is a self-custody Visa card from Nimbus, LLC (international cards); Third National (US cards). It tops up with USDT, USDC, BTC and ETH.

Which card fits you

OKX Card fits if

• You want a higher cashback ceiling (up to 10%).
• You weigh licensing and fund segregation heavily, since it scores higher on our safety check.

Tria fits if

• Most of your spending is in your home currency, where its lower conversion fee counts most.
• You live outside the US and the handful of countries it excludes.

Read more: OKX Card fees and details · Tria fees and details · OKX Card review · Tria review