Main strengths
- Add the virtual Visa manually to Apple Wallet or Google Wallet.
- Choose USDC, USDT or supported crypto already held on Main balance.
- Issuance, monthly maintenance and inactivity carry no card fee.
WhiteBIT Nova USDStandard card design
Stablecoin account + Visa card
WhiteBIT Nova USD
WhiteBIT Nova USD links a virtual Visa to your Main balance, with Apple Pay and Google Pay for spending funded by supported crypto. Three selected cashback categories share a $25 monthly cap; payments carry a 1.5% + $0.20 fee and non-USD FX is listed here at 1.5%.
Main trade-offs
- Detailed help charges 1.5% + $0.20; the landing FAQ lists a lower rate.
- Three selected MCC categories share a $25 monthly cashback ceiling.
- FX wording is incomplete; country lists conflict and ATM cash is unavailable.
01 · Core economics
Costs that matter
Purchases cost 1.5% + $0.20 under detailed help. FX is shown as 1.5%; the tariff does not fully define the conversion leg or stacking. Monthly maintenance is $0; a separate annual charge is not disclosed.
ItemValueWhat it means
Monthly maintenance$0A separate annual card charge is not disclosed.
Cash funding0%No card top-up surcharge; fund the linked exchange account through its priced routes.
FX fee1.5%1.5% FX for a non-USD purchase converted to USD, interpreting the published conversion tariff as non-USD FX. The source does not fully explain the conversion leg or fee stacking; separate crypto conversion charges remain unconfirmed.
Card spending1.5%Check whether this applies before large purchases.
USD transaction$0.20Fixed fee per applicable card transaction.
Limits and secondary feesLimits and other fees
ItemValueWhat it means
ATM withdrawalNot availableNo ATM withdrawal route is listed for this card.
Declined transactionNot disclosedNo reusable declined-transaction fee is published.
Daily card spend$40,000/dayUSD 40,000 daily
Monthly card spend$200,000/monthUSD 200,000 monthly
ATM limitNot disclosedATM withdrawals unavailable; future published limits are not current access.
Account depositNot disclosedDeposit limits vary by provider-account route.
02 · Category rewards
Selected-category cashback
Choose three MCC categories. Advertised rates can change in the WhiteBIT app, and all categories share a $25 monthly reward cap. Category choices can change every seven days; changes may take 24 hours.
Outside selected MCC categories; the one-off 5% welcome bonus is separate
Advertised subscriptions rate; check the current app schedule
The app displays BTC or WBT; the withdrawal threshold is 5 USDC
Programme-wide cashback-value cap; not eligible spend
Selected categories
Advertised cashback by spend category
Choose three MCC categories. Advertised rates can change in the WhiteBIT app, and all categories share a $25 monthly reward cap. Category choices can change every seven days; changes may take 24 hours.
CategoryRateEligible purchases and cap
Food & cafes1%
Selected category and matching MCC required; shares the $25 monthly reward cap.
Eligible spend cap not disclosedTaxi5%
Selected category and matching MCC required; shares the $25 monthly reward cap.
Eligible spend cap not disclosedGroceries1%
Selected category and matching MCC required; shares the $25 monthly reward cap.
Eligible spend cap not disclosedEntertainment2%
Selected category and matching MCC required; shares the $25 monthly reward cap.
Eligible spend cap not disclosedSubscriptions10%
Selected category and matching MCC required; shares the $25 monthly reward cap.
Eligible spend cap not disclosedMedicine1%
Selected category and matching MCC required; shares the $25 monthly reward cap.
Eligible spend cap not disclosedPets5%
Selected category and matching MCC required; shares the $25 monthly reward cap.
Eligible spend cap not disclosedAuto1%
Selected category and matching MCC required; shares the $25 monthly reward cap.
Eligible spend cap not disclosedGaming2%
Selected category and matching MCC required; shares the $25 monthly reward cap.
Eligible spend cap not disclosedElectronics1%
Selected category and matching MCC required; shares the $25 monthly reward cap.
Eligible spend cap not disclosedBeauty1%
Selected category and matching MCC required; shares the $25 monthly reward cap.
Eligible spend cap not disclosedClothing & shoes1%
Selected category and matching MCC required; shares the $25 monthly reward cap.
Eligible spend cap not disclosedPurchases must match the selected merchant MCC. After the $25 monthly reward cap is reached, further accrual stops until the next month. The app displays BTC or WBT and quotes a 5 USDC redemption threshold; the exact asset credited on redemption is unconfirmed.
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 appNot disclosed
- Android appNot disclosed
- Web appAvailable
Account rails
- Crypto depositsVia provider account
- Bank depositsRegion-dependent
- Crypto withdrawalsVia provider account
- Fiat withdrawalsRegion-dependent
- Direct card top-upsNot supported
04 · Money in and out
How money enters, settles and leaves WhiteBIT
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 receive2 routes
Crypto deposits
1 route
Crypto depositsCredited to the provider account; selected Main balance assets fund card spending.USDCUSDTArbitrumAvalanche C-ChainBase+12FeeNo fixed feeSpeedNot confirmedLimitsMinimum deposit is 0.01 USDC; route and account limits can change.AvailabilityConfirmed scopeDetails
Fee components
- No provider transfer fee
More assets, currencies or networks
BNB Smart Chain, Polkadot Asset Hub, Ethereum, NEAR, Optimism, Polygon, Solana, Whitechain, Stellar, Plasma, TON, Tron
Access path
Via provider account
Asset / network map
USDC: Arbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum, NEAR, Optimism +4 · USDT: Arbitrum, Avalanche C-Chain, BNB Smart Chain, Polkadot Asset Hub, Ethereum, NEAR, Optimism, Plasma +4
Availability
Supported asset and network combinations
Limit scope
Minimum deposit is 0.01 USDC; route and account limits can change. · Minimum deposit is 0.01 USDT; route and account limits can change.
Restrictions
Provider-account route. Card eligibility and exchange rail availability must both be met.
Bank deposits
1 route
SEPA FINCI to WhiteBIT accountAccount KYC and regional access apply.EURFee0.1%SpeedVaries by railLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- 0.1% · transfer
Access path
Via provider account
Availability
Account KYC and regional access apply. Funding is separate from the $0 card top-up surcharge.
Limit scope
Not publicly confirmed
Balance & conversionAccount balance
Funds sit in a custodial account balance before card spend or payout.
What happens on receipt
Main balance directly funds purchases.
Money outWays to send, withdraw or settle2 routes
External crypto sends
1 route
Stablecoin withdrawal from WhiteBIT accountWithdrawal from the linked provider account, not a card transfer.USDCUSDTArbitrumAvalanche C-ChainBase+12FeeNo fixed feeSpeedNetwork-dependentLimitsMinimum withdrawal is 10 units; current route limits apply.AvailabilityRegion-dependentDetails
Fee components
- No provider transfer fee
More assets, currencies or networks
BNB Smart Chain, Polkadot Asset Hub, Ethereum, NEAR, Optimism, Polygon, Solana, Whitechain, Stellar, Plasma, TON, Tron
Access path
Via provider account
Asset / network map
USDC: Arbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum, NEAR, Optimism +4 · USDT: Arbitrum, Avalanche C-Chain, BNB Smart Chain, Polkadot Asset Hub, Ethereum, NEAR, Optimism, Plasma +4
Availability
Available provider-account routes; country/account conditions apply.
Restrictions
Withdrawal from the linked provider account, not a card transfer.
Bank transfers & payouts
1 route
SEPA FINCI withdrawal from WhiteBIT accountProvider-account payout; no direct transfer from the USD card.EURFeeNot confirmedSpeedVaries by railLimitsRoute and account limits apply.AvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
Access path
Via provider account
Availability
Conditional on provider-account KYC and bank route eligibility.
Fee scope
EUR 5 provider withdrawal fee
Restrictions
Provider-account payout; no direct transfer from the USD card.
06 · Trust and eligibility
Where WhiteBIT 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 programme assignment and eligibility during signup.
- Residence perimeter
- 162 countriesPublished regional guidance; final access remains account- and KYC-dependent.
- Explicit restrictions
- 9 countriesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.
- Final access check
- Confirm during signupCountry guidance does not guarantee access; programme assignment and KYC still apply.
Residence eligibility perimeter162 countries · access still account-gated
Aland IslandsAlgeriaAndorraArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahrainBangladeshBelgiumBeninBhutanBoliviaBosnia and HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBruneiBulgariaBurundiCambodiaCentral African RepublicChadChileChinaChristmas IslandCocos (Keeling) IslandsComorosCongoCongo, Democratic Republic of theCote d'IvoireCroatiaCyprusCzechiaDenmarkDjiboutiDominican RepublicEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEthiopiaFalkland IslandsFaroe IslandsFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGreeceGreenlandGrenadaGuadeloupeGuineaGuinea-BissauHeard Island and McDonald IslandsHoly SeeHondurasHungaryIcelandIndonesiaIrelandIsraelItalyJapanJordanKazakhstanKenyaKiribatiKuwaitKyrgyzstanLaosLatviaLesothoLiberiaLiechtensteinLithuaniaLuxembourgMacaoMadagascarMalawiMalaysiaMaldivesMaliMaltaMartiniqueMauritaniaMauritiusMayotteMexicoMicronesiaMoldovaMongoliaMontenegroMontserratMoroccoNamibiaNauruNepalNetherlandsNew CaledoniaNew ZealandNigerNiueNorfolk IslandNorth MacedoniaNorwayOmanPapua New GuineaParaguayPolandPortugalQatarReunionRomaniaRwandaSaint Pierre and MiquelonSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSierra LeoneSingaporeSlovakiaSloveniaSolomon IslandsSouth KoreaSpainSri LankaSurinameSvalbard and Jan MayenSwedenSwitzerlandTaiwanTajikistanTanzaniaThailandTimor-LesteTogoTokelauTongaTunisiaTurkeyTurkmenistanTuvaluUkraineUnited Arab EmiratesUruguayUzbekistanWallis and FutunaZambiaZimbabwe
Countries listed as regional guidance143 countries
Aland IslandsAndorraArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahrainBangladeshBelgiumBeninBhutanBoliviaBosnia and HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBruneiBulgariaChadChileChinaChristmas IslandCocos (Keeling) IslandsComorosCongoCote d'IvoireCroatiaCyprusCzechiaDenmarkDjiboutiDominican RepublicEcuadorEl SalvadorEritreaEstoniaEthiopiaFalkland IslandsFaroe IslandsFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGreeceGreenlandGrenadaGuadeloupeGuineaHeard Island and McDonald IslandsHoly SeeHondurasHungaryIcelandIndonesiaIrelandIsraelItalyJapanKazakhstanKenyaKiribatiKuwaitKyrgyzstanLaosLatviaLesothoLiberiaLiechtensteinLithuaniaLuxembourgMacaoMadagascarMalawiMalaysiaMaldivesMaltaMartiniqueMauritaniaMauritiusMayotteMexicoMicronesiaMoldovaMongoliaMontenegroMontserratNamibiaNauruNepalNetherlandsNew CaledoniaNew ZealandNiueNorfolk IslandNorth MacedoniaNorwayOmanPapua New GuineaParaguayPolandPortugalQatarReunionRomaniaRwandaSaint Pierre and MiquelonSao Tome and PrincipeSerbiaSierra LeoneSingaporeSlovakiaSloveniaSolomon IslandsSouth KoreaSpainSri LankaSurinameSvalbard and Jan MayenSwedenSwitzerlandTaiwanTajikistanTanzaniaThailandTimor-LesteTogoTokelauTongaTurkmenistanTuvaluUkraineUruguayWallis and FutunaZambia
Explicit restriction list9 countries
AfghanistanBelarusCanadaIranNorth KoreaRussiaSyriaUnited KingdomUnited States
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productWhiteBIT
Provides the product and account experience. Named legal operators appear separately.
Custody controlWhiteBIT + programme partners
Controls settlement until payment.
Custodial accountCard issuerJSC Hash Bank
Card issuance and payment settlement
Jurisdiction: GE · Applies to: WhiteBIT Nova USD07 · Methodology
Why the score is 59
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
The rating uses 1.5% for non-USD FX. The tariff calls this a conversion fee without fully defining its charging basis or stacking; separate crypto conversion charges remain unconfirmed.
59/100
MixedHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift87
Company & infrastructure
Named programme infrastructure includes JSC Hash Bank (issuer) and Visa (network).
Additional support78
Everyday usability
Visa spending includes virtual card, Apple Pay and Google Pay.
Main constraint16
Rewards value
No general base cashback; 10% applies only to Subscriptions.
09 · Card comparison
How WhiteBIT Nova USD compares to others
A side-by-side look at cards built around stablecoin funding, everyday Visa access and money movement.
1 / 3
Current card
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
- Web app · iOS + Android not confirmed
- Stablecoin set
- USDC + USDT
- Transfers & payouts
- Crypto + Bank transfers
- Card
- Debit Mastercard + Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 2%–10%
- FX fee
- Up to 2%
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDT + USDC
- Transfers & payouts
- Crypto + Bank transfers
- Card
- Debit Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 2%–4%
- FX fee
- 1% or 1.8%
- Apps
- iOS, Android · Web app not confirmed
- 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.
10 · Evidence
Sources
18 sources17 officialChecked Oct 16, 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
WhiteBIT USD CardOfficial source ↗Nova USD fees, limits and restricted MCCsOfficial source ↗Nova USD eligibility and KYCOfficial source ↗Nova USD cashback and MCC rulesOfficial source ↗Nova USD cashback: Russian clarificationOfficial source ↗Nova USD Main balance, assets and fundingOfficial source ↗
Help keep this page accurate
Found outdated or incorrect information?
Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.