OobitOobit
72
Side-by-side card comparison
Oobit vs Ethena Pay: fees, rewards and account setup
Ethena Pay Card has the higher Overall Score by 14 points (86 vs 72). Ethena Pay Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Oobit Card may still be the better personal fit.
Information checked Sep 1, 202628 official sources reviewed
01 · Make the first cut
Ethena Pay Card is the better all-round starting point
Ethena Pay Card has the higher Overall Score in this comparison. Oobit Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallOobit72Ethena Pay86Higher score
CashbackOobit68Ethena Pay89Higher score
TravelOobit45Ethena Pay64Higher score
Funds controlOobit77Ethena Pay86Higher score
Lowest feesOobit51Ethena Pay87Higher score
TransfersOobit64Ethena Pay82Higher score
Choose Oobit Card if its day-to-day setup suits you
Oobit Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
Choose Ethena Pay Card if cashback and travel matter most
Ethena Pay Card comes out ahead for Cashback, Travel, Funds control, 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.
- Strong Standard cashback bands
- No Standard monthly fee or FX markup
- Collateral stays in linked wallets
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Oobit72Ethena Pay86
Ethena Pay Card has the higher Overall Score by 14 points.
- Entry cost & FX
- Oobit$0 plan · 3% FXEthena Pay$0 plan · 0% Ethena Pay markup; Visa rate applies FX
Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 3%).
- Purchase rewards
- Oobit5% base · up to 10%Ethena Pay4% base · up to 5%
Oobit Card has the higher published base cashback rate (5% vs 4%).
- Funds control
- OobitHybrid custodyEthena PayHybrid custody
Oobit Card and Ethena Pay Card use the same hybrid custody setup.
- Everyday access
- OobitVirtual · Apple Pay, Google PayEthena PayVirtual · Apple Pay
Oobit Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Oobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payoutEthena Pay1 stablecoin · Stablecoin transfers; Ethena Pay user transfer; Bank withdrawal
Oobit Card lists more stablecoins and ways to send money out (6 vs 4).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 5%-10%
- Plan cost
- $0
- FX fee
- 3%
- ATM fee
- 2.5% Oobit fee plus any contactless ATM operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 12 fiat
- Cashback
- 4%-5%
- Plan cost
- $0
- FX fee
- 0% Ethena Pay markup; Visa rate applies
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsOobit CardOverall72Ethena Pay CardOverall86
Oobit CardOverall72Ethena Pay CardOverall86Scores
6 fields- Overall Score
- Oobit Card72Ethena Pay Card86
- Cashback score
- Oobit Card68Ethena Pay Card89
- Travel score
- Oobit Card45Ethena Pay Card64
- Funds control score
- Oobit Card77Ethena Pay Card86
- Lowest fees score
- Oobit Card51Ethena Pay Card87
- Transfers score
- Oobit Card64Ethena Pay Card82
Strengths & trade-offs
2 fields- Strengths
- Oobit CardConnected-wallet spending, Phone wallets and contactless ATMEthena Pay CardStrong Standard cashback bands, No Standard monthly fee or FX markup
- Trade-offs
- Oobit CardEvery payment carries a provider fee, Physical card is unclearEthena Pay CardCard access is still application-gated, One-day payment grace adds liquidation risk
Costs
7 fields- Plan cost
- Oobit Card$0Ethena Pay Card$0
- FX fee
- Oobit Card3%Ethena Pay Card0% Ethena Pay markup; Visa rate applies
- Top-up fee
- Oobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by routeEthena Pay CardProvider collateral-funding fee unknown; external network gas is separate
- Card spending fee
- Oobit Card$0.25 + 1%Ethena Pay Card0%
- ATM fee
- Oobit Card2.5% Oobit fee plus any contactless ATM operator surchargeEthena Pay CardNot available
- Virtual card
- Oobit CardFreeEthena Pay CardUSD 0
- Physical card
- Oobit CardNot disclosedEthena Pay CardNot disclosed
Plans
2 fields- Available plans
- Oobit CardNot disclosedEthena Pay Card3 plans: Standard, Pro, VIP
- Top cashback plan
- Oobit CardNot disclosedEthena Pay CardVIP: 5%
Everyday use
8 fields- Network
- Oobit CardVisaEthena Pay CardVisa
- Card formats
- Oobit CardVirtualEthena Pay CardVirtual
- ATM withdrawals
- Oobit CardAvailableEthena Pay CardNot available
- Mobile wallets
- Oobit CardApple Pay, Google PayEthena Pay CardApple Pay
- Apps
- Oobit CardiOS, AndroidEthena Pay CardiOS, Web
- Daily spending limit
- Oobit Card$10,000 daily card-spend limit; account-specific controls may be lowerEthena Pay CardDynamic, based on collateral market value
- Monthly spending limit
- Oobit CardNo universal monthly card-spend limit publishedEthena Pay CardDynamic, based on collateral market value
- ATM limit
- Oobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hoursEthena Pay CardNot available
Funding & transfers
5 fields- Networks
- Oobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, ArbitrumEthena Pay CardEthereum, Polygon, Optimism, Arbitrum
- Crypto deposits
- Oobit CardNot disclosedEthena Pay CardNot disclosed
- Fiat deposits
- Oobit CardNot disclosedEthena Pay CardNot disclosed
- Transfers
- Oobit CardOobit Pay Friends; Crypto-to-bank payoutEthena Pay CardStablecoin transfers; Ethena Pay user transfer; Bank withdrawal
- Payout currencies
- Oobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4Ethena Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Oobit Card5%Ethena Pay Card4%
- Max cashback
- Oobit Card10%Ethena Pay Card5%
- Reward currency
- Oobit CardStablecoin rewards or OOB tokenEthena Pay CardAVAX
Earn
5 fields- Advertised APY
- Oobit CardNot offeredEthena Pay CardUp to 6% APY
- How it works
- Oobit CardNot offeredEthena Pay CardEarn on spending balance
- Separate deposit
- Oobit CardNot offeredEthena Pay CardNo
- Use balance for spending
- Oobit CardNot offeredEthena Pay CardYes
- Lock-up
- Oobit CardNot offeredEthena Pay CardNo
Trust & availability
5 fields- Custody
- Oobit CardHybrid custodyEthena Pay CardHybrid custody
- Control until payment
- Oobit CardYou keep controlEthena Pay CardYou keep control
- Card issuer
- Oobit CardThirdNationalEthena Pay CardThird National
- Card processing
- Oobit CardNot disclosedEthena Pay CardSignify Holdings, Inc. d/b/a Rain
- Identity verification
- Oobit CardNot disclosedEthena Pay CardSumsub
Sources
2 fields- Official sources
- Oobit Card16Ethena Pay Card12
- Last reviewed
- Oobit CardAug 12, 2026Ethena Pay CardSep 1, 2026
04 · The takeaway
Ethena Pay Card is the stronger all-round choice
Ethena Pay Card finishes ahead with an Overall Score of 86 versus 72 for Oobit Card. Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 3%). Oobit Card has the higher published base cashback rate (5% vs 4%).
Oobit Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Oobit Card and Ethena Pay Card use the same hybrid custody setup.
Oobit Card lists more stablecoins and ways to send money out (6 vs 4). 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 Oobit Card and Ethena Pay Card reviews first.
Continue with
Oobit Card
Continue with
Ethena Pay Card
05 · Common questions
Oobit vs Ethena Pay FAQ
Is Oobit or Ethena Pay better overall?
Ethena Pay Card has the higher Overall Score (86 vs 72). 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, Oobit or Ethena Pay?
Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 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, Oobit or Ethena Pay?
Oobit Card has the higher published base cashback rate (5% vs 4%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Oobit and Ethena Pay differ on custody?
Oobit Card and Ethena Pay Card use the same hybrid custody setup.
How current is this Oobit vs Ethena Pay comparison?
The latest information check for these two cards was September 1, 2026, using 28 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.