Yearly cost at three spending levels
| Monthly spend | Plutus | WhiteBIT Nova |
|---|---|---|
| $500 | ≤ -$23.03 Starter (€6.99 a month) | ≤ -$90 Category cashback |
| $2,000 | ≤ -$113.03 Starter (€6.99 a month) | ≤ -$360 Category cashback |
| $5,000 | ≤ -$293.03 Starter (€6.99 a month) | ≤ -$900 Category cashback |
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 | Plutus Starter (€6.99 a month) | WhiteBIT Nova Category cashback |
|---|---|---|
| Top-up and conversion fees | $0 | Not disclosed |
| Spending fees | $0 | -$360 |
| Foreign exchange markup | -$120 | Not disclosed |
| ATM fees | Not disclosed | Not disclosed |
| Annual, monthly and subscription fees | -$95.50 | $0 |
| Cashback | +$102.46 | Not disclosed |
| Net per year | -$113.03 | -$360 |
Fees
Plutus charges 0% to convert or top up and 2.5% on spending in a foreign currency. WhiteBIT Nova charges Not disclosed and Not disclosed.
ATM withdrawals: Plutus 2.5%; WhiteBIT Nova no atm access (virtual card only).
A virtual card costs nothing with Plutus and nothing with WhiteBIT Nova. A physical card costs €9.99 and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
Plutus cashback: 3%. WhiteBIT Nova cashback: Variable, not published.
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.
WhiteBIT Nova tiers: Category cashback: rate not published, capped at $25 a month.
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.
WhiteBIT Nova: You pick 3 cashback categories, which you can change once every 7 days. Rates change and are shown only in the app. Cashback is paid in BTC or WBT, capped at $25 a month, and can be withdrawn once it reaches 5 USDC. New users get 5% cashback on their first transaction. No cashback is paid on transactions in restricted territories, including the US.
Availability and KYC
Plutus does not publish a country list. Plutus offers EUR and GBP cards and does not publish a country list on its fees page.
WhiteBIT Nova is offered in 133 countries, including India, Malaysia, Singapore, Turkey, United Arab Emirates, Argentina, Australia, Brazil, Indonesia and Mexico. Not available in the US, UK or Canada - WhiteBIT does not accept identity documents from those countries. The list follows WhiteBIT's help article of 16 Sep 2026. Another article on the same help centre also lists EEA countries, and Bahrain appears in some lists but not others. The older EUR-denominated Nova card, issued by Wallester, has been suspended since 30 June 2026 until WhiteBIT Europe launches.
Plutus needs full KYC and WhiteBIT Nova needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
Plutus publishes a daily spending limit of €500,000 and a monthly limit of €1,000,000.
WhiteBIT Nova publishes a daily spending limit of $40,000 and a monthly limit of $200,000.
Plutus does not list Apple Pay or Google Pay support, and WhiteBIT Nova works with Apple Pay and Google Pay. Plutus and WhiteBIT Nova issue a virtual card you can use straight away.
Custody and safety
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.
WhiteBIT Nova is not scored yet, because not every safety factor has been checked against a source. Published licensing: Visa debit card issued in partnership with JSC Hash Bank (Georgia). The card is issued through JSC Hash Bank. The whitebit.com user agreement names a group of operating companies, including UAB Clear White Technologies (Lithuania) and WhiteBIT Georgia LLC. No official regulator enforcement release was found, but the search did not cover every regulator's register. The EUR card (Wallester AS, Estonia) was suspended on 30 June 2026 as part of the move to MiCA.
Full reports: Plutus safety check and WhiteBIT Nova safety check.
About each card
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.
WhiteBIT Nova USD Card is a custodial Visa card from WhiteBIT (whitebit.com). It tops up with USDC, USDT, BTC, ETH, XRP, SOL, NEAR, ADA, AVAX, WBT and DOGE. The USD card is open to new applicants with no waitlist. The EUR Nova card is suspended.
Which card fits you
Plutus fits if
- You spend in foreign currencies often, since its FX markup is lower.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You want a higher cashback ceiling (up to 3%).
WhiteBIT Nova fits if
- Its fees and availability match your situation better on the table above.
Read more: Plutus fees and details · WhiteBIT Nova fees and details