Compare cards
Choose 2–4 cards to compare fees, rewards and everyday use.
OKX Card (EEA)
OKX Card (Global)
WhiteBIT Nova USD
Holyheld CardCompare the details
Best known Not disclosed
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Scores
- Overall Score
- OKX Card (EEA)85OKX Card (Global)82WhiteBIT Nova USD59Holyheld Card75
- Cashback score
- OKX Card (EEA)82OKX Card (Global)71WhiteBIT Nova USD25Holyheld Card64
- Travel score
- OKX Card (EEA)64OKX Card (Global)61WhiteBIT Nova USD36Holyheld Card68
- Funds control score
- OKX Card (EEA)76OKX Card (Global)75WhiteBIT Nova USD49Holyheld Card74
- Lowest fees score
- OKX Card (EEA)89OKX Card (Global)86WhiteBIT Nova USD60Holyheld Card67
- Transfers score
- OKX Card (EEA)76OKX Card (Global)75WhiteBIT Nova USD86Holyheld Card81
Choosing a card
- Best fit
- OKX Card (EEA)
- EU and Norway residents spending USDC or USDG from their OKX Pay balance.
- Earning 2% on USDG purchases at Regular level, capped at €50/month.
OKX Card (Global)- Using an existing OKX Pay balance for online and phone-wallet Visa payments.
- Foreign purchases with no additional OKX markup over the network rate.
WhiteBIT Nova USD- Spending supported crypto directly from your WhiteBIT Main balance.
- Choosing three cashback categories to match where you actually spend.
Holyheld Card- Moving crypto from your wallet into EUR for everyday Mastercard spending.
- Using a personal IBAN and SEPA transfers alongside a EUR card balance.
- Before you choose
- OKX Card (EEA)
- Stablecoin-to-EUR spending has a 0.1% conversion spread despite 0% OKX FX.
- USDC-funded purchases earn no cashback; rewards require USDG funding.
OKX Card (Global)- Only USDG-funded purchases earn cashback; Regular rewards cap at $5/month.
- Global does not mean worldwide issuance; Singapore is the confirmed market.
WhiteBIT Nova USD- Payments cost 1.5% + $0.20; non-USD spending also carries 1.5% FX.
- Selected categories share a $25 monthly cap; redemption starts at 5 USDC.
Holyheld Card- Foreign fees can reach 5.5% + €1, depending on geography and currency.
- USDC cashback becomes claimable after 30 days; it is not immediately spendable.
Costs
- Plan cost
- OKX Card (EEA)$0OKX Card (Global)$0WhiteBIT Nova USDNot disclosedHolyheld Card$0
- FX fee
- OKX Card (EEA)0% OKX markup + Mastercard rateOKX Card (Global)0% OKX markup + network rateWhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incompleteHolyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Top-up fee
- OKX Card (EEA)0%OKX Card (Global)0%WhiteBIT Nova USD0%Holyheld Card0%
- Card spending fee
- OKX Card (EEA)0%OKX Card (Global)Not disclosedWhiteBIT Nova USD$0.20 + 1.5%Holyheld Card€0.50
- ATM fee
- OKX Card (EEA)Not availableOKX Card (Global)Not availableWhiteBIT Nova USDNot availableHolyheld CardUp to EUR 2 + 2.5%
- Virtual card
- OKX Card (EEA)€0OKX Card (Global)$0WhiteBIT Nova USD$0 issuanceHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual access
- Physical card
- OKX Card (EEA)Not availableOKX Card (Global)Not availableWhiteBIT Nova USDUnavailable for the current USD productHolyheld CardClassic: EUR 29; Metal: EUR 199
Plans
- Available plans
- OKX Card (EEA)5 plans: Regular, VIP 1, VIP 2, VIP 3 +1OKX Card (Global)5 plans: Regular, VIP 1, VIP 2, VIP 3 +1WhiteBIT Nova USDNot disclosedHolyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- OKX Card (EEA)VIP 4+: 10%OKX Card (Global)VIP 4+: 10%WhiteBIT Nova USDNot disclosedHolyheld CardMetal: 1%
Everyday use
- Network
- OKX Card (EEA)MastercardOKX Card (Global)VisaWhiteBIT Nova USDVisaHolyheld CardMastercard
- Card formats
- OKX Card (EEA)VirtualOKX Card (Global)VirtualWhiteBIT Nova USDVirtualHolyheld CardVirtual, Physical
- ATM withdrawals
- OKX Card (EEA)Not availableOKX Card (Global)Not availableWhiteBIT Nova USDNot availableHolyheld CardAvailable
- Mobile wallets
- OKX Card (EEA)Apple Pay, Google PayOKX Card (Global)Apple Pay, Google PayWhiteBIT Nova USDApple Pay, Google PayHolyheld CardApple Pay, Google Pay
- Apps
- OKX Card (EEA)iOS, AndroidOKX Card (Global)iOS, AndroidWhiteBIT Nova USDiOS, Android, WebHolyheld CardiOS, Android, Web
- Daily spending limit
- OKX Card (EEA)No fixed provider daily limit; user-set minimum is 1 EUR, while the regional maximum appears only in-app.OKX Card (Global)No fixed provider daily limit; user-set minimum is 1 USD, while the regional maximum appears only in-app.WhiteBIT Nova USDUSD 40,000 dailyHolyheld CardEUR 10,000 daily
- Monthly spending limit
- OKX Card (EEA)No fixed monthly amount is published; balance and risk controls apply.OKX Card (Global)No fixed monthly amount is published; balance and risk controls apply.WhiteBIT Nova USDUSD 200,000 monthlyHolyheld CardEUR 25,000 monthly; EUR 250,000 annually
- ATM limit
- OKX Card (EEA)ATM withdrawals are not supported.OKX Card (Global)ATM withdrawals are not supported.WhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 days
Funding & transfers
- Networks
- OKX Card (EEA)X Layer, Ethereum, TRON, Arbitrum, Base, Avalanche +1OKX Card (Global)X Layer, Ethereum, TRON, Arbitrum, Base, Avalanche +1WhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
- Crypto deposits
- OKX Card (EEA)Stablecoins: USDC, USDG, USDTOKX Card (Global)Stablecoins: USDT, USDC, USDGWhiteBIT Nova USDStablecoins: USDC, USDTHolyheld CardStablecoins: USDC, USDT
- Fiat deposits
- OKX Card (EEA)Not disclosedOKX Card (Global)Not disclosedWhiteBIT Nova USDSEPA FINCI to WhiteBIT accountHolyheld CardPersonal EUR IBAN
- Transfers
- OKX Card (EEA)Stablecoin transfers; OKX Pay contacts, Transfer to OKX ExchangeOKX Card (Global)Stablecoin transfers; OKX Pay contacts, Transfer to OKX ExchangeWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT accountHolyheld CardStablecoin transfers; Outgoing SEPA transfer
- Payout currencies
- OKX Card (EEA)Not disclosedOKX Card (Global)Not disclosedWhiteBIT Nova USDEURHolyheld CardEUR
Rewards
- Base cashback
- OKX Card (EEA)2%OKX Card (Global)2%WhiteBIT Nova USD0%Holyheld Card0.5%
- Max cashback
- OKX Card (EEA)10%OKX Card (Global)10%WhiteBIT Nova USD10%Holyheld Card1%
- Reward currency
- OKX Card (EEA)USDG cashbackOKX Card (Global)USDG cashbackWhiteBIT Nova USDNot disclosedHolyheld CardUSDC
Earn
- Advertised APY
- OKX Card (EEA)Not disclosedOKX Card (Global)Up to 10% APYWhiteBIT Nova USDNot offeredHolyheld CardNot disclosed
- How it works
- OKX Card (EEA)Not disclosedOKX Card (Global)Earn on spending balanceWhiteBIT Nova USDNot offeredHolyheld CardOptional earn vault
- Separate deposit
- OKX Card (EEA)Not disclosedOKX Card (Global)NoWhiteBIT Nova USDNot offeredHolyheld CardYes
- Use balance for spending
- OKX Card (EEA)Not disclosedOKX Card (Global)YesWhiteBIT Nova USDNot offeredHolyheld CardNot disclosed
- Lock-up
- OKX Card (EEA)Not disclosedOKX Card (Global)Not disclosedWhiteBIT Nova USDNot offeredHolyheld CardNo
Trust & availability
- Custody
- OKX Card (EEA)Hybrid custodyOKX Card (Global)Hybrid custodyWhiteBIT Nova USDCustodialHolyheld CardHybrid custody
- Control until payment
- OKX Card (EEA)You keep controlOKX Card (Global)You keep controlWhiteBIT Nova USDProvider controls fundsHolyheld CardProvider controls funds
- Card issuer
- OKX Card (EEA)UAB MonavateOKX Card (Global)Xfers Pte. Ltd. (StraitsX), Bano Pty LtdWhiteBIT Nova USDJSC Hash BankHolyheld CardUnlimit EU Ltd
- Card processing
- OKX Card (EEA)Not disclosedOKX Card (Global)OKXWhiteBIT Nova USDNot disclosedHolyheld CardNot disclosed
- Identity verification
- OKX Card (EEA)Not disclosedOKX Card (Global)Not disclosedWhiteBIT Nova USDNot disclosedHolyheld CardSumsub / Idenfy
- Programme operator
- OKX Card (EEA)OKX Europe LimitedOKX Card (Global)Not disclosedWhiteBIT Nova USDNot disclosedHolyheld CardHolyheld Labs AG
Sources
- Official sources
- OKX Card (EEA)22OKX Card (Global)13WhiteBIT Nova USD19Holyheld Card28
- Last reviewed
- OKX Card (EEA)Sep 2, 2026OKX Card (Global)Aug 14, 2026WhiteBIT Nova USDOct 17, 2026Holyheld CardSep 9, 2026