OKX Card

OKX

High cashback

Cashback: 2% – 10%in crypto cashback
Monthly fee: $0
FX / conversion: 0% FX / no transaction fees; 0.1% market spread when converting to fiat
Issuance: Free
Card type: virtual

Eligibility & KYC — who can get it

◐ Issued only in selected regions

Issued to residents / citizens of:

AustriaBelgiumBulgariaCroatiaCyprusCzech RepublicDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIrelandItalyLatviaLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSweden (EEA minus Iceland and Liechtenstein)

Also excluded / paused:

Iceland (explicitly excluded per OKX Card terms)Liechtenstein (explicitly excluded per OKX Card terms)

EEA-only product: OKX Card available only to verified OKX Pay users across the EU and Norway, explicitly excluding Iceland and Liechtenstein. Virtual card tied to a verified OKX Pay account (identity verification required). OKX EEA Terms of Service also bars residents of OFAC/EU-sanctioned and crypto-banned jurisdictions. Sanctioned countries (Iran, North Korea, Syria, Cuba, Crimea, Russia) are outside the EEA and thus implicitly excluded.

Issuer’s markets: EEA / Europe confirmed (MiCA-licensed) · broader country list (SG/BR/AU/UAE/UK/AR/TR/US) not officially documented

Where you can pay

✓ Worldwide — anywhere Mastercard is accepted (online & in-store)

Official okx.com/pay: 'Pay with stablecoins everywhere there's Mastercard'; FAQ 'Where can I use the OKX Card?' — 'Anywhere Mastercard® is accepted, online and in-store, across Europe and globally'; 'Use instantly worldwide.' Note: network is Mastercard (not Visa).

Plans & tiers

Tier	Cost / requirement	Cashback	Perks & limits
VIP tiers	OKX VIP program (no staking required)	2–10%	Monthly caps apply · cashback on eligible USDG-funded purchases

Cashback details

Official OKX help: Non-VIP 2%, VIP1 4%, VIP2 4.5%, VIP3 5%, VIP4+ 10%. Paid in USDG (stablecoin), only on USDG-funded purchases. Monthly caps apply (VIP4+ cap €1,000/$800/mo). Effective March 2026.

Spend from

EEA: USDC, USDG · other regions vary

Verification procedure

Full KYC

AI subscriptions

Virtual card works for online subscriptions. EEA only.

Good to know

Virtual-only ('we don't issue physical cards'). Network is Visa or Mastercard depending on region (EEA = Mastercard). The old okx.com/cards URL 404s — live product page is OKX Pay. Excluded MCCs: gambling, insurance, professional/educational/government.

Referral program

You get (referrer)

Varies by market/promotion (shown on the in-app Card Referral page; paid in USDG or another digital asset at OKX's discretion)

Friend gets (referee)

Varies by market/promotion (shown on the in-app Card Referral page)

Conditions: 'OKX Card Growth Referral Program': rewards are dynamic — 'Rewards vary by market and promotion' and 'the reward type and amount are displayed on the Card Referral page in the OKX app before participation... adjusted periodically and can differ between users.' Referee qualifies by completing a Qualifying Transaction (card spend) shown in-app; transactions must be fully settled and authorized within the applicable two-week Cycle. Exact fixed amounts are not published — rewards are deliberately dynamic.

Claim bonus ↗