KASTKAST
84
Side-by-side card comparison
KAST vs Payy: overall score versus use-case fit
KAST Card has the higher Overall Score by 22 points (84 vs 62). KAST Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Payy Card comes out ahead for Funds control.
Information checked Aug 28, 202625 official sources reviewed
01 · Overall score versus use-case fit
KAST Card is the better all-round starting point
KAST Card has the higher Overall Score in this comparison. Payy Card may be the better fit for Funds control. 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.
OverallKAST84Payy62Higher score
CashbackKAST75Payy17Higher score
TravelKAST92Payy27Higher score
Funds controlKAST71Payy97Higher score
Lowest feesKAST81Payy57Higher score
TransfersKAST100Payy68Higher score
Choose KAST Card if cashback and travel matter most
KAST Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Transfers span crypto, Tag and bank payouts
- Physical, virtual and phone-wallet card access
- Free tier starts with cashback
Choose Payy Card if funds control matters most
Payy Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet control
- No monthly or transaction fee
- Instant virtual Visa with phone wallets
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
- KAST84Payy62
KAST Card has the higher Overall Score by 22 points.
- Entry cost & FX
- KAST$0 plan · 0.5–1.75% FXPayy$0 plan · 1–3% FX
KAST Card has the lower published FX fee (0.5–1.75% vs 1–3%).
- Purchase rewards
- KAST1.5% base · up to 3%Payy0% cashback
KAST Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- KASTCustodial balancePayySelf-controlled wallet
KAST Card uses a custodial balance setup, while Payy Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- KASTVirtual + Physical · Apple Pay, Google PayPayyVirtual · Apple Pay, Google Pay
KAST Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- KAST5 stablecoins · Stablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsPayy1 stablecoin · Stablecoin transfers; Payy payment links
KAST Card lists more stablecoins and ways to send money out (12 vs 3).
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
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 0.5–1.75%
- ATM fee
- $3 + 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 32 crypto · 6 fiat
- Payout methods
- 2 crypto · 13 fiat
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
KAST Card
20% off
20% off your first subscription
- Discount is automatically applied at checkout.
Offer terms can change. Check the current KAST referral programme before signing up.
Payy Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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
CardsKAST CardOverall84Payy CardOverall62
KAST CardOverall84Payy CardOverall62Scores
6 fields- Overall Score
- KAST Card84Payy Card62
- Cashback score
- KAST Card75Payy Card17
- Travel score
- KAST Card92Payy Card27
- Funds control score
- KAST Card71Payy Card97
- Lowest fees score
- KAST Card81Payy Card57
- Transfers score
- KAST Card100Payy Card68
Strengths & trade-offs
2 fields- Strengths
- KAST CardTransfers span crypto, Tag and bank payouts, Physical, virtual and phone-wallet card accessPayy CardSelf-custody wallet control, No monthly or transaction fee
- Trade-offs
- KAST CardNon-USD FX can exceed entry cashback, ATM use adds two chargesPayy CardFX can reach 3%, Cash and physical access are constrained
Costs
7 fields- Plan cost
- KAST Card$0Payy Card$0
- FX fee
- KAST Card0.5–1.75%Payy Card1–3%
- Top-up fee
- KAST Card0%Payy Card0%
- Card spending fee
- KAST Card0%Payy Card0%
- ATM fee
- KAST Card$3 + 2%Payy CardNot available
- Virtual card
- KAST CardFree first twoPayy CardFree; instant after KYC
- Physical card
- KAST CardFree; $40 shippingPayy CardNot disclosed
Plans
2 fields- Available plans
- KAST Card3 plans: Standard, Premium, PrivatePayy CardNot disclosed
- Top cashback plan
- KAST CardPrivate: 3%Payy CardNot disclosed
Everyday use
8 fields- Network
- KAST CardVisaPayy CardVisa/Other network
- Card formats
- KAST CardVirtual, PhysicalPayy CardVirtual
- ATM withdrawals
- KAST CardAvailablePayy CardNot available
- Mobile wallets
- KAST CardApple Pay, Google PayPayy CardApple Pay, Google Pay
- Apps
- KAST CardiOS, AndroidPayy CardiOS, Android
- Daily spending limit
- KAST CardNo capPayy CardNot disclosed
- Monthly spending limit
- KAST CardNo capPayy CardNot disclosed
- ATM limit
- KAST CardLimits shown in appPayy CardNot disclosed
Funding & transfers
5 fields- Networks
- KAST CardSolana, Ethereum, Tron, Polygon, BNB Chain, Arbitrum +7Payy CardPolygon, Payy Network
- Crypto deposits
- KAST CardStablecoins: USDT, USDC, USDe, PYUSD, RLUSD; Other crypto: BTC, ETH, SOL, XRP, AAVE +22Payy CardStablecoins: USDC
- Fiat deposits
- KAST CardUSD bank transfer, EU bank transfer, BRL PIX deposit, MXN SPEI deposit +2Payy CardBank-account deposit
- Transfers
- KAST CardStablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsPayy CardStablecoin transfers; Payy payment links
- Payout currencies
- KAST CardUSD, EUR, AED, SAR, JPY, INR, PHP, THB +4Payy CardNot disclosed
Rewards
3 fields- Base cashback
- KAST Card1.5%Payy Card0%
- Max cashback
- KAST Card3%Payy Card0%
- Reward currency
- KAST CardUSD cashbackPayy CardNo cashback
Earn
5 fields- Advertised APY
- KAST CardUp to 7% APYPayy CardNot offered
- How it works
- KAST CardOptional earn vaultPayy CardNot offered
- Separate deposit
- KAST CardYesPayy CardNot offered
- Use balance for spending
- KAST CardNoPayy CardNot offered
- Lock-up
- KAST CardNoPayy CardNot offered
Trust & availability
6 fields- Custody
- KAST CardCustodialPayy CardSelf-custody
- Control until payment
- KAST CardProvider controls fundsPayy CardYou keep control
- Card issuer
- KAST CardThird NationalPayy CardThird National / Rain
- Card processing
- KAST CardTazapayPayy CardRain
- Custody / key management
- KAST CardBitGoPayy CardNot disclosed
- Programme operator
- KAST CardTroia CorpPayy CardNot disclosed
Sources
2 fields- Official sources
- KAST Card20Payy Card5
- Last reviewed
- KAST CardAug 28, 2026Payy CardAug 5, 2026
04 · The trade-off
KAST Card is the stronger all-round choice
KAST Card finishes ahead with an Overall Score of 84 versus 62 for Payy Card. KAST Card has the lower published FX fee (0.5–1.75% vs 1–3%). KAST Card has the higher published base cashback rate (1.5% vs 0%).
Payy Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. KAST Card uses a custodial balance setup, while Payy Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
KAST Card lists more stablecoins and ways to send money out (12 vs 3). 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 KAST Card and Payy Card reviews first.
Continue with
KAST Card
Continue with
Payy Card
05 · Common questions
KAST vs Payy FAQ
Is KAST or Payy better overall?
KAST Card has the higher Overall Score (84 vs 62). 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, KAST or Payy?
KAST Card has the lower published FX fee (0.5–1.75% 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, KAST or Payy?
KAST Card has the higher published base cashback rate (1.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do KAST and Payy differ on custody?
KAST Card uses a custodial balance setup, while Payy 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 KAST vs Payy comparison?
The latest information check for these two cards was August 28, 2026, using 25 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.