Bitget WalletBitget Wallet
69
Side-by-side card comparison
Bitget Wallet vs ZEN: overall score versus use-case fit
ZEN Card has the higher Overall Score by 8 points (77 vs 69). Bitget Wallet Card looks stronger for Cashback, while ZEN Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Aug 28, 202690 official sources reviewed
01 · Overall score versus use-case fit
ZEN Card is the better all-round starting point
ZEN Card has the higher Overall Score in this comparison. Bitget Wallet Card may be the better fit for Cashback. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallBitget Wallet69ZEN77Higher score
CashbackBitget Wallet66ZEN39Higher score
TravelBitget Wallet44ZEN96Higher score
Funds controlBitget Wallet64ZEN65Higher score
Lowest feesBitget Wallet45ZEN80Higher score
TransfersBitget Wallet56ZEN98Higher score
Choose Bitget Wallet Card if cashback matters most
Bitget Wallet Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Current 2%-3% Assetback
- Several crypto funding assets
- Live APAC physical card
Choose ZEN Card if travel and funds control matter most
ZEN Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Free plan with 0.5% weekday FX margin
- Physical, virtual and phone-wallet access
- Four current crypto-route assets
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Bitget Wallet69ZEN77
ZEN Card has the higher Overall Score by 8 points.
- Entry cost & FX
- Bitget WalletNot verified plan · 1.7% in reviewed APAC and Immersve routes; other regional rates unknown FXZEN$0 plan · 0–0.5% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Bitget Wallet2% base · up to 3%ZEN0% base
Bitget Wallet Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- Bitget WalletHybrid custodyZENCustodial balance
Bitget Wallet Card uses a hybrid custody setup, while ZEN Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Bitget WalletVirtual + Physical · Google PayZENVirtual + Physical · Apple Pay, Google Pay
ZEN Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Bitget Wallet2 stablecoins · Regional card-balance return, Support-assisted balance recoveryZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
ZEN Card lists more stablecoins and ways to send money out (5 vs 4).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 2%-3%
- Plan cost
- Not disclosed
- FX fee
- 1.7% in reviewed APAC and Immersve routes; other regional rates unknown
- ATM fee
- APAC physical: higher of 1% or $5 plus operator fee; other routes vary or do not support ATM
- Card formats
- Virtual, Physical
- Wallet payments
- Google Pay
- Receive methods
- 4 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
77
- Cashback
- 0% base
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- 0–1.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 4 crypto · 1 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Bitget Wallet Card
Up to $20
Up to $20 for invited Bitget Wallet users
- Bind this promo code in Bitget Wallet.
Bitget Wallet Card promo codeRwG3wJg6
The exact reward and qualification conditions are not shown in the approved screenshot. Offer terms can change; check the current Bitget Wallet referral flow before signing up.
ZEN Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsBitget Wallet CardOverall69ZEN CardOverall77
Bitget Wallet CardOverall69ZEN CardOverall77Scores
6 fields- Overall Score
- Bitget Wallet Card69ZEN Card77
- Cashback score
- Bitget Wallet Card66ZEN Card39
- Travel score
- Bitget Wallet Card44ZEN Card96
- Funds control score
- Bitget Wallet Card64ZEN Card65
- Lowest fees score
- Bitget Wallet Card45ZEN Card80
- Transfers score
- Bitget Wallet Card56ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- Bitget Wallet CardCurrent 2%-3% Assetback, Several crypto funding assetsZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- Bitget Wallet CardRegional programmes differ materially, Assetback spend cap unclearZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- Bitget Wallet CardNot disclosedZEN Card$0
- FX fee
- Bitget Wallet Card1.7% in reviewed APAC and Immersve routes; other regional rates unknownZEN Card0–0.5%
- Top-up fee
- Bitget Wallet Card0% in reviewed APAC, Immersve and Pakistan base schedules; Reap/Express variable rates unknownZEN Card0–3%
- Card spending fee
- Bitget Wallet CardNot disclosedZEN Card0%
- ATM fee
- Bitget Wallet CardAPAC physical: higher of 1% or $5 plus operator fee; other routes vary or do not support ATMZEN Card0–1.5%
- Virtual card
- Bitget Wallet CardFree in APAC and Pakistan; Immersve activation is 0.1 USDC within 72h or 10 USDC later; other routes varyZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- Bitget Wallet Card$49 in APAC; other regions unavailable or unclearZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- Bitget Wallet CardNot disclosedZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- Bitget Wallet CardNot disclosedZEN CardFree: 0%
Everyday use
8 fields- Network
- Bitget Wallet CardVisa/MastercardZEN CardMastercard/Visa
- Card formats
- Bitget Wallet CardVirtual, PhysicalZEN CardVirtual, Physical
- ATM withdrawals
- Bitget Wallet CardNot disclosedZEN CardAvailable
- Mobile wallets
- Bitget Wallet CardGoogle PayZEN CardApple Pay, Google Pay
- Apps
- Bitget Wallet CardiOS, AndroidZEN CardiOS, Android, Web
- Daily spending limit
- Bitget Wallet CardRegional: APAC $50,000; Europe/Africa/LATAM $5,000; Pakistan $20,000; other routes undisclosedZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- Bitget Wallet CardNot published as one global or regional monthly scheduleZEN CardNot publicly confirmed
- ATM limit
- Bitget Wallet CardAPAC physical: $3,000 per withdrawal, $10,000/day and $100,000/month; other routes unavailableZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- Bitget Wallet CardBNB Chain, Ethereum, BaseZEN CardNot disclosed
- Crypto deposits
- Bitget Wallet CardStablecoins: USDC, USDT; Other crypto: ETH, SOLZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- Bitget Wallet CardNot disclosedZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- Bitget Wallet CardRegional card-balance return, Support-assisted balance recoveryZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- Bitget Wallet CardNot disclosedZEN CardEUR
Rewards
3 fields- Base cashback
- Bitget Wallet Card2%ZEN Card0%
- Max cashback
- Bitget Wallet Card3%ZEN CardNot disclosed
- Reward currency
- Bitget Wallet CardSelected Assetback assetZEN CardTransaction currency
Earn
5 fields- Advertised APY
- Bitget Wallet CardNot offeredZEN CardNot offered
- How it works
- Bitget Wallet CardNot offeredZEN CardNot offered
- Separate deposit
- Bitget Wallet CardNot offeredZEN CardNot offered
- Use balance for spending
- Bitget Wallet CardNot offeredZEN CardNot offered
- Lock-up
- Bitget Wallet CardNot offeredZEN CardNot offered
Trust & availability
5 fields- Custody
- Bitget Wallet CardHybrid custodyZEN CardCustodial
- Control until payment
- Bitget Wallet CardProvider controls fundsZEN CardProvider controls funds
- Card issuer
- Bitget Wallet CardDCS Card Centre, Monavate, Fiat24ZEN CardUAB ZEN.COM
- Deposits & withdrawals
- Bitget Wallet CardNot disclosedZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
- Programme operator
- Bitget Wallet CardBTG Technology Holdings LimitedZEN CardNot disclosed
Sources
2 fields- Official sources
- Bitget Wallet Card47ZEN Card43
- Last reviewed
- Bitget Wallet CardAug 28, 2026ZEN CardAug 23, 2026
04 · The trade-off
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 69 for Bitget Wallet Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Bitget Wallet Card has the higher published base cashback rate (2% vs 0%).
Bitget Wallet Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Bitget Wallet Card uses a hybrid custody setup, while ZEN Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
ZEN Card lists more stablecoins and ways to send money out (5 vs 4). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Bitget Wallet Card and ZEN Card reviews first.
Continue with
Bitget Wallet Card
Continue with
ZEN Card
05 · Common questions
Bitget Wallet vs ZEN FAQ
Is Bitget Wallet or ZEN better overall?
ZEN Card has the higher Overall Score (77 vs 69). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Bitget Wallet or ZEN?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Bitget Wallet or ZEN?
Bitget Wallet Card has the higher published base cashback rate (2% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Bitget Wallet and ZEN differ on custody?
Bitget Wallet Card uses a hybrid custody setup, while ZEN Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Bitget Wallet vs ZEN comparison?
The latest information check for these two cards was August 28, 2026, using 90 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.