Main strengths
- USDT, USDC and USDG move from OKX Exchange with no provider fee.
- The virtual Visa supports both major phone-wallet payment routes.
- Regular users earn 2% on eligible purchases without a paid card plan.
OKX Visa PlatinumStandard card design
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.
No FXFunds controlClear feesTiered rewardsFree base planUSD rewards
View OKX Compare card
5 USDG after qualifying OKX Card purchases
- Sign up using this referral link and apply for the OKX Card.
- Complete three qualifying, settled card transactions.
- Each qualifying transaction must be at least $25 under the captured offer.
- If the referral is not shown automatically, use this promo code:
Partner link See details
Main trade-offs
- The entry rate reaches its monthly cap after only $250 of eligible spend.
- Ethereum and TRON charge a separate setup cost before ordinary network fees.
- No complete supported-country list is published for the Global programme.
01 · Core economics
Costs that matter
OKX Card (Global) has a $0 recurring entry cost. Funding, conversion, FX and cash-access charges are shown separately below.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Exchange → Pay0%No OKX provider fee on the observed USDT, USDC and USDG Exchange-to-Pay route. Pay smart-wallet activation charges are shown separately from ordinary network costs.
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 feesLimits and other fees
ATM withdrawalNot availableListed
Declined transactionNot disclosedNot disclosed
Daily card spendNot disclosedListed
Monthly card spendNot disclosedListed
ATM limitNot disclosedListed
Account depositNot disclosedListed
02 · Plans & rewards
OKX Card cashback
OKX Card (Global) keeps the reward range visible above while the membership cards below preserve each tier's fee, card design, rewards, limits and other tier-specific differences.
Lowest current purchase reward rate
Conditional: not the automatic rate
USDG cashback
Current monthly cashback-value cap range across tiers
Memberships
1-3 / 5
Upgrade
$0/yrRegular
Same virtual Visa card
- Cashback
- 2% in USDG
- Cashback Cap
- $5 / month
- Full-rate spend
- $250 / month; then 0%
- Requirement
- Default non-VIP tier
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
$0/yrVIP 1
Same virtual Visa card
- Cashback
- 4% in USDG
- Cashback Cap
- $100 / month
- Full-rate spend
- $2,500 / month; then 0%
- Requirement
- OKX VIP 1 status
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
$0/yrVIP 2
Same virtual Visa card
- Cashback
- 4.5% in USDG
- Cashback Cap
- $200 / month
- Full-rate spend
- $4,400 / month; then 0%
- Requirement
- OKX VIP 2 status
- Best fit
- Check the plan price, rewards and limits before upgrading.
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardVirtual only
- ATM withdrawalsNo ATM access
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot offered
Account rails
- Crypto depositsVia provider account
- Bank depositsNot confirmed
- Crypto withdrawalsVia provider account
- Fiat withdrawalsNot confirmed
- Direct card top-upsNot supported
04 · Money in and out
How money enters, settles and leaves OKX
The card uses the provider account balance. Account funding and withdrawal routes are included only when they feed that same card-linked account; they are not presented as direct card top-ups.
Money inWays to fund or receive5 routes
Crypto deposits
3 routes
On-chain receive · X LayerReceives supported stablecoins into the Pay smart wallet used by the card.USDTUSDCUSDGX LayerFeeNo fixed feeSpeedNetwork-dependentLimitsNot confirmedExternal cost0 on X LayerDetails
Fee components
- No additional OKX fee
- 0 on X Layer
Access path
Via provider account
Asset / network map
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.
Restrictions
The zero-fee evidence applies to X Layer only.
On-chain receive · EthereumReceives supported stablecoins through the Ethereum route into the Pay smart wallet.USDTUSDCUSDGEthereumActivation cost~0.001 ETH first useSpeedNetwork-dependentLimitsNot confirmedExternal costDynamic Ethereum network feeDetails
Fee components
- OKX provider fee not separately disclosed
- 0.001 ETH · Pay smart-wallet activation
- Dynamic Ethereum network fee
Access path
Via provider account
Asset / network map
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.
Restrictions
The activation charge is treated as an OKX Pay account-setup cost.
On-chain receive · TRONReceives supported stablecoins through the TRON route into the Pay smart wallet.USDTUSDCUSDGTRONActivation cost≥170 TRX first useSpeedNetwork-dependentLimitsNot confirmedExternal cost~90 TRX after activationDetails
Fee components
- OKX provider fee not separately disclosed
- 170 TRX · Pay smart-wallet activation
- ~90 TRX after activation
Access path
Via provider account
Asset / network map
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.
Restrictions
The activation charge is treated as an OKX Pay account-setup cost.
Internal funding
2 routes
From OKX Exchange balanceMoves supported assets from the linked OKX Exchange account into the Pay balance used by the card.USDTUSDCUSDGFeeNo fixed feeSpeedNot confirmedLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- No OKX provider fee
Access path
Via provider account
Availability
OKX Pay availability remains location-dependent; no complete country allowlist is published.
Restrictions
Observed live-app route; no EEA fee inference is made.
From another OKX Pay userCredits the Pay balance used by the card after a Pay contact, link or QR-code transfer.USDTUSDCUSDGX LayerFeeNo fixed feeSpeedInstantLimitsNot confirmedExternal cost0 on X LayerDetails
Fee components
- No additional OKX fee
- 0 on X Layer
Access path
Via provider account
Asset / network map
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.
Restrictions
Recipient identity verification and Pay activation are required.
Balance & conversionHybrid settlement
Funding and settlement cross wallet and provider-controlled account boundaries.
What happens on receipt
Reviewed sources confirm exchange-to-Pay and on-chain receive routes.
Money outWays to send, withdraw or settle3 routes
External crypto sends
1 route
External wallet sendDo not present deposit-only network coverage as guaranteed two-way send coverage.USDCUSDGUSDTX LayerFeeNot confirmedSpeedNetwork-dependentLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
Access path
Via provider account
Asset / network map
USDT: X Layer · USDC: X Layer · USDG: X Layer
Availability
External wallet-address route; exact outbound networks are selected in-app
Limit scope
Not publicly confirmed
Restrictions
Do not present deposit-only network coverage as guaranteed two-way send coverage.
Internal transfers
2 routes
OKX Pay contactsTransfers value within the provider account network.USDCUSDGUSDTX LayerFeeNo fixed feeSpeedVaries by railLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- No provider transfer fee
Access path
Via provider account
Asset / network map
USDT: X Layer · USDC: X Layer · USDG: X Layer
Availability
OKX Pay contacts on X Layer
Limit scope
Not publicly confirmed
Transfer to OKX ExchangeThis is an internal account route, not a direct bank payout.USDCUSDGUSDTX LayerFeeNot confirmedSpeedVaries by railLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
Access path
Via provider account
Asset / network map
USDT: X Layer · USDC: X Layer · USDG: X Layer
Availability
Transfer from OKX Pay to the linked OKX Exchange account
Fee scope
Not published in the reviewed card/Pay FAQ
Limit scope
Not publicly confirmed
Restrictions
This is an internal account route, not a direct bank payout.
05 · Balance yield
Earn on the spendable balance
The eligible balance can earn a variable rate while remaining available for card spend and transfers.
Spendable yield
OKX Pay USDG yield (app-observed tiers)
Up to 4%-10% APY
- Yield source
- Not confirmed
- Asset
- USDG
- Card relationship
- Yield balance can fund card spend
- Withdraw anytime
- Not confirmed
- Deposit insurance
- Not confirmed
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
Where OKX is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
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 custodyCard 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 programme07 · Methodology
Why the score is 82
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
82/100
StrongHigher is better
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.
08 · Evidence
Sources
15 sources13 officialChecked Aug 14, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
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 ↗
09 · Card comparison
How OKX Card (Global) compares to others
A side-by-side look at cards built around stablecoin funding, everyday Visa access and money movement.
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
- 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
A virtual Visa stablecoin card for iOS and Android, with optional Plasma Earn.
- Card
- Wallet-linked Visa, Virtual + Physical
- Funds control
- Self-controlled wallet
- Cashback
- 2%–10%
- FX fee
- 0–1% + 1% Visa fee
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDT, USDC + USDG
- Transfers & payouts
- Crypto, Bank + Internal transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
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