Yearly cost at three spending levels
| Monthly spend | RedotPay | OKX Card |
|---|---|---|
| $500 | -$146.40 Standard | ≤ +$111.60 Non-VIP |
| $2,000 | -$369.60 Standard | ≤ +$453.60 Non-VIP |
| $5,000 | -$816 Standard | ≤ +$621.46 Non-VIP |
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 | RedotPay Standard | OKX Card Non-VIP |
|---|---|---|
| Top-up and conversion fees | -$264 | -$26.40 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$57.60 | $0 |
| ATM fees | -$48 | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | $0 | +$480 |
| Net per year | -$369.60 | +$453.60 |
Fees
RedotPay charges 1% to convert or top up and 1.2% on spending in a foreign currency. OKX Card charges 0.1% and 0%.
The conversion fee applies to every dollar you load, so OKX Card's lower rate matters most for everyday spending in your home currency. On $1,000 of spending, the gap is $9.00.
ATM withdrawals: RedotPay 2%; OKX Card no atm access (virtual card only).
A virtual card costs $10 with RedotPay and nothing with OKX Card. A physical card costs $100 and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
RedotPay cashback: None. OKX Card cashback: 2% to 10%.
RedotPay tiers: Standard: 0%.
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.
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.
Availability and KYC
RedotPay is offered in 202 countries and territories and excludes 47, including India, Indonesia, Singapore, Turkey and United States.
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.
RedotPay needs full KYC and OKX Card needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
RedotPay publishes a daily spending limit of $1,000,000 and ATM withdrawals of up to $3,750 a day.
OKX Card does not publish fixed spending or ATM limits.
RedotPay works with Apple Pay and Google Pay, and OKX Card works with Apple Pay and Google Pay. RedotPay and OKX Card issue a virtual card you can use straight away.
Custody and safety
RedotPay scores 74/100. Licensing: holds a licence or registration outside the tier-one list (Hong Kong Money Lender (No. 1715/2025) and Trust or Company Service Provider licences; Argentina VASP (CNV PSAV No. 144); Lithuania VASP registration (RedotX, UAB); Canada MSB; US FinCEN MSB). No incidents or enforcement actions found in the last 36 months. Client digital assets are held in segregated wallets with Cactus Custody, a Hong Kong trust company (licence TC006789), covered by US$50 million crime and specie insurance, per the custodian's announcement quoting RedotPay's CEO. RedotPay's general terms name Red Dot Trust Limited, a Hong Kong trust company, as custodian of user accounts. We could not find a published proof-of-reserves report.
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.
Full reports: RedotPay safety check and OKX Card safety check.
About each card
RedotPay Card (Global) is a custodial Visa card from RedotPay group (Red F. Technology Limited, Hong Kong). It tops up with USDT, USDC, BTC and ETH.
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.
Which card fits you
RedotPay fits if Recommended
- You live outside the US and the handful of countries it excludes.
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.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You want a higher cashback ceiling (up to 10%).
Read more: RedotPay fees and details · OKX Card fees and details · RedotPay review