Coin98Coin98 Fusion
60
Side-by-side card comparison
Coin98 Fusion vs Karta Personal: overall score versus use-case fit
Karta Personal Card has the higher Overall Score by 1 point (61 vs 60). Coin98 Fusion Card looks stronger for Cashback, Travel, and Lowest fees, while Karta Personal Card comes out ahead for Funds control and Transfers.
Information checked Aug 11, 202648 official sources reviewed
01 · Overall score versus use-case fit
Karta Personal Card is the better all-round starting point
Karta Personal Card has the higher Overall Score in this comparison. Coin98 Fusion Card may be the better fit for Cashback, Travel, and Lowest fees. 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.
OverallCoin98 Fusion60Karta Personal61Higher score
CashbackCoin98 Fusion17Karta Personal14Higher score
TravelCoin98 Fusion65Karta Personal46Higher score
Funds controlCoin98 Fusion64Karta Personal92Higher score
Lowest feesCoin98 Fusion72Karta Personal53Higher score
TransfersCoin98 Fusion39Karta Personal90Higher score
Choose Coin98 Fusion Card if cashback and travel matter most
Coin98 Fusion Card comes out ahead for Cashback, Travel, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual Visa with both phone wallets
- USDC and USDT top-ups on five networks
- No monthly or annual card fee
Choose Karta Personal Card if funds control and transfers matter most
Karta Personal Card comes out ahead for Funds control and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
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
- Coin98 Fusion60Karta Personal61
Karta Personal Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXKarta Personal$0 plan · 1–3% FX
Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs 1–3%).
- Purchase rewards
- Coin98 Fusion0% cashbackKarta Personal0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- Coin98 FusionHybrid custodyKarta PersonalSelf-controlled wallet
Coin98 Fusion Card uses a hybrid custody setup, while Karta Personal Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Coin98 FusionVirtual · Apple Pay, Google PayKarta PersonalVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledKarta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payout
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 2).
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
- 0%
- Plan cost
- $0
- FX fee
- 1.7% foreign-currency conversion
- ATM fee
- 1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- USD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 5 crypto · 0 fiat
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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
CardsCoin98 Fusion CardOverall60Karta Personal CardOverall61
Coin98 Fusion CardOverall60Karta Personal CardOverall61Scores
6 fields- Overall Score
- Coin98 Fusion Card60Karta Personal Card61
- Cashback score
- Coin98 Fusion Card17Karta Personal Card14
- Travel score
- Coin98 Fusion Card65Karta Personal Card46
- Funds control score
- Coin98 Fusion Card64Karta Personal Card92
- Lowest fees score
- Coin98 Fusion Card72Karta Personal Card53
- Transfers score
- Coin98 Fusion Card39Karta Personal Card90
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksKarta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM access
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applyKarta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surface
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0Karta Personal Card$0
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionKarta Personal Card1–3%
- Top-up fee
- Coin98 Fusion Card1%Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20
- Card spending fee
- Coin98 Fusion CardNot disclosedKarta Personal Card1.5%
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeKarta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeKarta Personal Card5 USDT one-time
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentKarta Personal Card99 USDT plastic / 299 USDT Metal LED preorder
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedKarta Personal CardNot disclosed
- Top cashback plan
- Coin98 Fusion CardNot disclosedKarta Personal CardNot disclosed
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaKarta Personal CardVisa
- Card formats
- Coin98 Fusion CardVirtualKarta Personal CardVirtual
- ATM withdrawals
- Coin98 Fusion CardAvailableKarta Personal CardAvailable
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayKarta Personal CardApple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidKarta Personal CardNo app listed
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitKarta Personal Card$25,000 per transaction; no universal daily amount published
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitKarta Personal CardNot publicly disclosed; limits are dynamic
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearKarta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24h
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronKarta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTKarta Personal CardStablecoins: USDT, USDC
- Fiat deposits
- Coin98 Fusion CardNot disclosedKarta Personal CardBank deposits
- Transfers
- Coin98 Fusion CardNot disclosedKarta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payout
- Payout currencies
- Coin98 Fusion CardNot disclosedKarta Personal CardNot disclosed
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%Karta Personal Card0%
- Max cashback
- Coin98 Fusion Card0%Karta Personal Card0%
- Reward currency
- Coin98 Fusion CardNot applicableKarta Personal CardNo cashback
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredKarta Personal CardNot offered
- How it works
- Coin98 Fusion CardNot offeredKarta Personal CardNot offered
- Separate deposit
- Coin98 Fusion CardNot offeredKarta Personal CardNot offered
- Use balance for spending
- Coin98 Fusion CardNot offeredKarta Personal CardNot offered
- Lock-up
- Coin98 Fusion CardNot offeredKarta Personal CardNot offered
Trust & availability
6 fields- Custody
- Coin98 Fusion CardHybrid custodyKarta Personal CardSelf-custody
- Control until payment
- Coin98 Fusion CardProvider controls fundsKarta Personal CardYou keep control
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.Karta Personal CardNimbus LLC d/b/a Third National
- Custody / key management
- Coin98 Fusion CardNot disclosedKarta Personal CardPrivy
- Identity verification
- Coin98 Fusion CardNot disclosedKarta Personal CardSumsub
- Programme operator
- Coin98 Fusion CardNot disclosedKarta Personal CardKarta Finance, Inc.
Sources
2 fields- Official sources
- Coin98 Fusion Card23Karta Personal Card25
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Karta Personal CardAug 11, 2026
04 · The trade-off
Karta Personal Card is the stronger all-round choice
Karta Personal Card finishes ahead with an Overall Score of 61 versus 60 for Coin98 Fusion Card. Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs 1–3%). Both cards show the same base cashback rate of 0%.
Coin98 Fusion Card still comes out ahead for Cashback, Travel, and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Coin98 Fusion Card uses a hybrid custody setup, while Karta Personal Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 2). 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 Coin98 Fusion Card and Karta Personal Card reviews first.
Continue with
Coin98 Fusion Card
Continue with
Karta Personal Card
05 · Common questions
Coin98 Fusion vs Karta Personal FAQ
Is Coin98 Fusion or Karta Personal better overall?
Karta Personal Card has the higher Overall Score (61 vs 60). 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, Coin98 Fusion or Karta Personal?
Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs 1–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Coin98 Fusion or Karta Personal?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Coin98 Fusion and Karta Personal differ on custody?
Coin98 Fusion Card uses a hybrid custody setup, while Karta Personal Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Coin98 Fusion vs Karta Personal comparison?
The latest information check for these two cards was August 11, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.