Black OKX Visa Platinum virtual card front

OKX Visa PlatinumStandard card design

Source checked15 sourcesLast checked Aug 14, 2026

Stablecoin account + Visa card

OKX Card (Global)

OKX Card connects an OKX Pay stablecoin wallet to virtual Visa spending, Apple Pay, Google Pay and 2% base USDG cashback. Wallet activation, eligible card spend and reward caps are handled as separate parts of the product.

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Best fit

Using an existing OKX Pay balance for online and phone-wallet Visa payments.
Foreign purchases with no additional OKX markup over the network rate.
Existing OKX VIP users who qualify for higher USDG reward rates and caps.

Before you choose

Only USDG-funded purchases earn cashback; Regular rewards cap at $5/month.
Global does not mean worldwide issuance; Singapore is the confirmed market.
The current programme has no physical card and no ATM withdrawal access.

01 · Fees & limits

Card costs

ItemValueConditions & scope

Entry plan$0 / yearRegular tier.

Provider FX markup0%OKX adds no FX markup. The card network's conversion rate may still determine the converted amount.

Asset conversion fee0%No separate asset-conversion fee is listed for card spending.

Limits and secondary fees

ItemValueConditions & scope

ATM withdrawalNot availableNo ATM withdrawal route is listed for this card.

Declined transactionNot disclosedNo reusable declined-transaction fee is published.

Daily card spendNot disclosedNo fixed provider daily limit; user-set minimum is 1 USD, while the regional maximum appears only in-app.

Monthly card spendNot disclosedNo fixed monthly amount is published; balance and risk controls apply.

ATM limitNot disclosedATM withdrawals are not supported.

Account depositNot disclosedOKX Pay receive limits are not published in the reviewed card sources.

02 · Plans & rewards

Cashback & memberships

Entry rate2%

Regular tier

Maximum rate10%

VIP 4+ tier

Reward assetUSDG

Cashback Cap$5–$800

Per month, by tier

Memberships

1-3 / 5

Upgrade

Regular

Same virtual Visa card

$0/yr

Cashback: 2% in USDG
Cashback Cap: $5 / month
Full-rate spend: $250 / month; then 0%
Requirement: Default non-VIP tier

Upgrade

VIP 1

Same virtual Visa card

$0/yr

Cashback: 4% in USDG
Cashback Cap: $100 / month
Full-rate spend: $2,500 / month; then 0%
Requirement: OKX VIP 1 status

Upgrade

VIP 2

Same virtual Visa card

$0/yr

Cashback: 4.5% in USDG
Cashback Cap: $200 / month
Full-rate spend: $4,400 / month; then 0%
Requirement: OKX VIP 2 status

03 · Everyday use

Card access & apps

Card access

Visa network
Virtual card
Physical cardNot available
ATM withdrawalsNot available

Wallets & apps

Apple Pay
Google Pay
iOS app
Android app
Web appNot available

04 · Money in and out

Balance, payments & transfers

Balance & payments

Hybrid settlement

Funding and settlement cross wallet and provider-controlled account boundaries.

Conversion

Reviewed sources confirm exchange-to-Pay and on-chain receive routes.

Money in

On-chain receiveUSDT · USDC · USDGFee / setupNo fixed fee / ~0.001 ETH / ≥170 TRXDetails

On-chain receive · X LayerUSDT · USDC · USDGFeeNo fixed feeDetails

Access path: Via provider account
Networks by asset: USDT: X Layer · USDC: X Layer · USDG: X Layer
Availability: OKX Pay availability remains location-dependent; no complete country allowlist is published.
External cost scope: Observed app state; route pricing can change.
Conditions: The zero-fee evidence applies to X Layer only.
Timing: X Layer confirmation time
Limits: Public route limit not confirmed
Fee conditions: No additional fee for supported send and receive transactions on X Layer
How it works: Receives supported stablecoins into the Pay smart wallet used by the card.
Fee breakdown: No additional OKX fee; 0 on X Layer

On-chain receive · EthereumUSDT · USDC · USDGActivation cost~0.001 ETH first useDetails

Access path: Via provider account
Networks by asset: USDT: Ethereum · USDC: Ethereum · USDG: Ethereum
Availability: OKX Pay availability remains location-dependent; no complete country allowlist is published.
External cost scope: Ordinary Ethereum transaction cost; amount depends on network conditions.
Conditions: The activation charge is treated as an OKX Pay account-setup cost.
Timing: Ethereum network confirmation time
Limits: Public route limit not confirmed
Fee conditions: One-time Pay smart-wallet activation cost of about 0.001 ETH plus dynamic external Ethereum transaction costs
How it works: Receives supported stablecoins through the Ethereum route into the Pay smart wallet.
Fee breakdown: OKX provider fee not separately disclosed; 0.001 ETH · Pay smart-wallet activation; Dynamic Ethereum network fee

On-chain receive · TRONUSDT · USDC · USDGActivation cost≥170 TRX first useDetails

Access path: Via provider account
Networks by asset: USDT: TRON · USDC: TRON · USDG: TRON
Availability: OKX Pay availability remains location-dependent; no complete country allowlist is published.
External cost scope: Ordinary TRON transaction cost observed after activation; amount varies with network conditions.
Conditions: The activation charge is treated as an OKX Pay account-setup cost.
Timing: TRON network confirmation time
Limits: Public route limit not confirmed
Fee conditions: One-time Pay smart-wallet activation cost of at least 170 TRX plus an external TRON transaction cost around 90 TRX in the observed app state
How it works: Receives supported stablecoins through the TRON route into the Pay smart wallet.
Fee breakdown: OKX provider fee not separately disclosed; 170 TRX · Pay smart-wallet activation; ~90 TRX after activation

From OKX Exchange balanceUSDT · USDC · USDGFeeNo fixed feeDetails

Access path: Via provider account
Availability: OKX Pay availability remains location-dependent; no complete country allowlist is published.
Conditions: Observed live-app route; no EEA fee inference is made.
Timing: Transfer timing not separately confirmed
Limits: Public route limit not confirmed
Fee conditions: 0% OKX provider fee on the observed USDT, USDC and USDG Exchange-to-Pay route
How it works: Moves supported assets from the linked OKX Exchange account into the Pay balance used by the card.
Fee breakdown: No OKX provider fee

From another OKX Pay userUSDT · USDC · USDGFeeNo fixed feeDetails

Access path: Via provider account
Networks by asset: USDT: X Layer · USDC: X Layer · USDG: X Layer
Availability: OKX Pay availability remains location-dependent; no complete country allowlist is published.
External cost scope: Observed app state; route pricing can change.
Conditions: Recipient identity verification and Pay activation are required.
Timing: Instant Pay receipt
Limits: Public route limit not confirmed
Fee conditions: No additional fee for supported Pay transfers on X Layer
How it works: Credits the Pay balance used by the card after a Pay contact, link or QR-code transfer.
Fee breakdown: No additional OKX fee; 0 on X Layer

Money out

External wallet sendUSDC · USDG · USDTFeeNot confirmedDetails

Access path: Via provider account
Networks by asset: USDT: X Layer · USDC: X Layer · USDG: X Layer
Availability: External wallet-address route; exact outbound networks are selected in-app
Limits: Not publicly confirmed
Conditions: Do not present deposit-only network coverage as guaranteed two-way send coverage.
Timing: Network-dependent
Fee conditions: External network cost is dynamic and excluded from card-fee scoring

OKX Pay contactsUSDC · USDG · USDTFeeNo fixed feeDetails

Access path: Via provider account
Networks by asset: USDT: X Layer · USDC: X Layer · USDG: X Layer
Availability: OKX Pay contacts on X Layer
Limits: Not publicly confirmed
Timing: Not published
Fee conditions: No fixed provider transfer fee is published
How it works: Transfers value within the provider account network.
Fee breakdown: No provider transfer fee

Transfer to OKX ExchangeUSDC · USDG · USDTFeeNot confirmedDetails

Access path: Via provider account
Networks by asset: USDT: X Layer · USDC: X Layer · USDG: X Layer
Availability: Transfer from OKX Pay to the linked OKX Exchange account
Fee conditions: Not published in the reviewed card/Pay FAQ
Limits: Not publicly confirmed
Conditions: This is an internal account route, not a direct bank payout.

05 · Balance yield

Yield & access to your funds

OKX Pay USDG yield (app-observed tiers)Spendable yieldRateUp to 4%-10% APYCard relationshipYield balance can fund card spend

Yield source: Not confirmed
Asset: USDG
Withdraw anytime: Not confirmed
Deposit insurance: Not confirmed

OKX Pay USDG yield (app-observed tiers) can remain connected to the spending balance under the current product terms.

Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.

06 · Trust and eligibility

Availability & providers

Identity & KYC

Required

Identity verification is required to access card services.

Availability

1 country listed as regional guidance

These entries are regional guidance rather than a complete signup list. A missing country is not treated as unavailable; confirm eligibility during signup.

Countries listed as regional guidance1 country

Singapore

Who handles what

The named organisations and their current roles are listed below.

RoleHandled byResponsibility and scope

Card productOKX

Provides the product and account experience. Named legal operators appear separately.

Custody controlCardholder

Retains control of funds until payment.

Hybrid custody

Card issuerXfers Pte. Ltd. (StraitsX)

Card issuer and Visa issuing member for the current card programme.

Jurisdiction: Singapore · Applies to: StraitsX-backed Global candidate; complete residence mapping is not public.

Card processingOKX

Supports card processing for the applicable programme.

Card issuerBano Pty Ltd

Card issuance

Jurisdiction: Australia · Applies to: Australian OKX Card programme

07 · Methodology

Why the score is 82

Missing or undisclosed fields receive no positive credit.

82/100

Strong

Higher is better

Cost efficiency 89

Rewards value 65

Everyday usability 78

Funding & transfers 60

Availability & eligibility 48

Custody & control 75

Company & infrastructure 87

Key score driversLargest effects after applying the Overall category weights

Strongest lift89

Cost efficiency

No monthly fee, 0% FX fee and 0% conversion fee shape the day-to-day cost profile.

Additional support87

Company & infrastructure

Named programme infrastructure includes Xfers Pte. Ltd. (StraitsX) (issuer), Visa (network), OKX (processing) and Bano Pty Ltd (issuer).

Main constraint48

Availability & eligibility

Singapore is confirmed for the current StraitsX programme. No complete supported-country allowlist is published for the wider Global profile, so every other unlisted country remains soft and must be checked in app; kyc is required.

09 · Card comparison

How OKX Card (Global) compares to others

1 / 3

Current card

OKX Card (Global)

The virtual Visa supports both major phone-wallet payment routes.

Card: Debit Visa, Virtual only
Funds control: Hybrid custody
Cashback: 2%–10%
FX fee: 0% OKX markup + network rate
Apps: iOS, Android
Stablecoin set: USDT, USDC + USDG
Transfers & payouts: Crypto + Internal transfers

Similar match

OKX Card (EEA)

The virtual Mastercard supports both major phone-wallet routes.

Card: Debit Mastercard, Virtual only
Funds control: Hybrid custody
Cashback: 2%–10%
FX fee: 0% OKX markup + Mastercard rate
Apps: iOS, Android
Stablecoin set: USDC, USDG + USDT
Transfers & payouts: Crypto + Internal transfers

Similar match

WhiteBIT Nova USD

Add the virtual Visa manually to Apple Wallet or Google Wallet.

Card: Debit Visa, Virtual only
Funds control: Custodial balance
Cashback: 0%–10%
FX fee: 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete.
Apps: iOS, Android, Web app
Stablecoin set: USDC + USDT
Transfers & payouts: Crypto + Bank transfers

Want a deeper comparison?

Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.

Compare Cards

10 · Evidence

Sources

15 sources13 officialChecked Aug 14, 2026

Primary sourcesOfficial product, fee, membership and legal pages

OKX Singapore Card programmeOfficial source ↗What's OKX Card? | OKXOfficial source ↗OKX Card cashback program FAQ | OKXOfficial source ↗Pay Wallet Terms and Conditions | OKXOfficial source ↗OKX Card Australia — target market determinationOfficial source ↗What's OKX VIP and how do I qualify for it? | OKXOfficial source ↗

Unconfirmed details5 items

These details have not been verified for this profile. Missing information does not mean a service is free or available.

Regional Maximum For User Set Spending Limits is not confirmed
Complete Global Supported Country Allowlist is not confirmed
Okx Pay Outbound Provider Fees And Limits is not confirmed
Initial Card Issuance Timing is not confirmed
Separate Declined Transaction Fee is not confirmed

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