The OKX card
The OKX Card works as a virtual card linked to your OKX Pay wallet. Conversion to euros happens in real time, at the exact moment of the transaction — this is what's called a "smart wallet" setup: your crypto stays in your wallet until the second you pay, with no manual conversion or top-up to plan ahead.
Overview
The OKX Card works as a virtual card linked to your OKX Pay wallet. Conversion to euros happens in real time, at the exact moment of the transaction — this is what's called a "smart wallet" setup: your crypto stays in your wallet until the second you pay, with no manual conversion or top-up to plan ahead.
Fees: particularly low, with just a 0.1% market spread on conversion. No transaction fees, no subscription, free virtual card.
Cashback: 2% for non-VIPs (capped at €50/month) up to 10% for VIP 4+ (capped at €1,000/month), paid in USDG. Only payments settled in USDG qualify for cashback. The USDG balance can also earn an annual yield of about 3.5%.
OKX is currently running a temporary 50% cashback bonus on Netflix, ChatGPT and Claude subscriptions paid with the card (capped at €10/month).
Network: Mastercard. Compatible with Apple Pay and Google Pay once the card is activated. OKX is MiCA-licensed.
For whom: people who want a card with no hidden fees, with potentially high cashback for heavy VIP users.
Less suited if: you want to pay directly in euros — the balance stays in stablecoins with automatic conversion, with no direct settlement in fiat currency.