OobitOobit
74
Side-by-side card comparison
Oobit vs Karta Personal: overall score versus use-case fit
Oobit Card has the higher Overall Score by 12 points (74 vs 62). Oobit Card looks stronger for Cashback, Travel, and Lowest fees, while Karta Personal Card comes out ahead for Funds control and Transfers.
Information checked Oct 6, 202641 official sources reviewed
01 · Overall score versus use-case fit
Oobit Card is the better all-round starting point
Oobit Card has the higher Overall Score in this comparison. Karta Personal Card may be the better fit for Funds control and Transfers. 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.
OverallOobit74Karta Personal62Higher score
CashbackOobit70Karta Personal15Higher score
TravelOobit55Karta Personal47Higher score
Funds controlOobit78Karta Personal92Higher score
Lowest feesOobit59Karta Personal55Higher score
TransfersOobit65Karta Personal91Higher score
Choose Oobit Card if cashback and travel matter most
Oobit 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.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
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
- Oobit74Karta Personal62
Oobit Card has the higher Overall Score by 12 points.
- Entry cost & FX
- Oobit$0 plan · Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice FXKarta Personal$0 plan · 1–3% FX
Oobit Card has the lower published FX fee (Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice vs 1–3%).
- Purchase rewards
- Oobit5% base · up to 10%Karta Personal0% cashback
Oobit Card has the higher published base cashback rate (5% vs 0%).
- Funds control
- OobitHybrid custodyKarta PersonalSelf-controlled wallet
Oobit 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
- OobitVirtual · Apple Pay, Google PayKarta PersonalVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Oobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payoutKarta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payout
Both cards list the same number of stablecoins and ways to send money out.
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
- 5%-10%
- Plan cost
- $0
- FX fee
- Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice
- 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
- 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 · 7 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
CardsOobit CardOverall74Karta Personal CardOverall62
Oobit CardOverall74Karta Personal CardOverall62Scores
6 fields- Overall Score
- Oobit Card74Karta Personal Card62
- Cashback score
- Oobit Card70Karta Personal Card15
- Travel score
- Oobit Card55Karta Personal Card47
- Funds control score
- Oobit Card78Karta Personal Card92
- Lowest fees score
- Oobit Card59Karta Personal Card55
- Transfers score
- Oobit Card65Karta Personal Card91
Strengths & trade-offs
2 fields- Strengths
- Oobit CardConnected-wallet spending, Phone wallets and contactless ATMKarta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM access
- Trade-offs
- Oobit CardEvery payment carries a provider fee, Physical card is unclearKarta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surface
Costs
7 fields- Plan cost
- Oobit Card$0Karta Personal Card$0
- FX fee
- Oobit CardUp to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twiceKarta Personal Card1–3%
- Top-up fee
- Oobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by routeKarta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20
- Card spending fee
- Oobit Card$0.25 + 1%Karta Personal Card1.5%
- ATM fee
- Oobit Card2.5% Oobit fee plus any contactless ATM operator surchargeKarta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Virtual card
- Oobit CardFreeKarta Personal Card5 USDT one-time
- Physical card
- Oobit CardNot disclosedKarta Personal Card99 USDT plastic / 299 USDT Metal LED preorder
Plans
2 fields- Available plans
- Oobit CardNot disclosedKarta Personal CardNot disclosed
- Top cashback plan
- Oobit CardNot disclosedKarta Personal CardNot disclosed
Everyday use
8 fields- Network
- Oobit CardVisaKarta Personal CardVisa
- Card formats
- Oobit CardVirtualKarta Personal CardVirtual
- ATM withdrawals
- Oobit CardAvailableKarta Personal CardAvailable
- Mobile wallets
- Oobit CardApple Pay, Google PayKarta Personal CardApple Pay, Google Pay
- Apps
- Oobit CardiOS, AndroidKarta Personal CardNo app listed
- Daily spending limit
- Oobit Card$10,000 daily card-spend limit; account-specific controls may be lowerKarta Personal Card$25,000 per transaction; no universal daily amount published
- Monthly spending limit
- Oobit CardNo universal monthly card-spend limit publishedKarta Personal CardNot publicly disclosed; limits are dynamic
- ATM limit
- Oobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hoursKarta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24h
Funding & transfers
5 fields- Networks
- Oobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, ArbitrumKarta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17
- Crypto deposits
- Oobit CardNot disclosedKarta Personal CardStablecoins: USDT, USDC
- Fiat deposits
- Oobit CardNot disclosedKarta Personal CardUSD ACH, USD SWIFT, USD Domestic wire, EUR SEPA +3
- Transfers
- Oobit CardOobit Pay Friends; Crypto-to-bank payoutKarta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payout
- Payout currencies
- Oobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4Karta Personal CardNot disclosed
Rewards
3 fields- Base cashback
- Oobit Card5%Karta Personal Card0%
- Max cashback
- Oobit Card10%Karta Personal Card0%
- Reward currency
- Oobit CardStablecoin rewards or OOB tokenKarta Personal CardNo cashback
Earn
5 fields- Advertised APY
- Oobit CardNot offeredKarta Personal CardNot offered
- How it works
- Oobit CardNot offeredKarta Personal CardNot offered
- Separate deposit
- Oobit CardNot offeredKarta Personal CardNot offered
- Use balance for spending
- Oobit CardNot offeredKarta Personal CardNot offered
- Lock-up
- Oobit CardNot offeredKarta Personal CardNot offered
Trust & availability
6 fields- Custody
- Oobit CardHybrid custodyKarta Personal CardSelf-custody
- Control until payment
- Oobit CardYou keep controlKarta Personal CardYou keep control
- Card issuer
- Oobit CardThirdNationalKarta Personal CardNimbus LLC d/b/a Third National
- Custody / key management
- Oobit CardNot disclosedKarta Personal CardPrivy
- Identity verification
- Oobit CardNot disclosedKarta Personal CardSumsub
- Programme operator
- Oobit CardNot disclosedKarta Personal CardKarta Finance, Inc.
Sources
2 fields- Official sources
- Oobit Card16Karta Personal Card25
- Last reviewed
- Oobit CardOct 6, 2026Karta Personal CardSep 5, 2026
04 · The trade-off
Oobit Card is the stronger all-round choice
Oobit Card finishes ahead with an Overall Score of 74 versus 62 for Karta Personal Card. Oobit Card has the lower published FX fee (Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice vs 1–3%). Oobit Card has the higher published base cashback rate (5% vs 0%).
Karta Personal Card still comes out ahead for Funds control and Transfers, which may matter more than the overall result if that is how you plan to use the card. Oobit 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.
Both cards list the same number of stablecoins and ways to send money out. 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 Karta Personal Card reviews first.
Continue with
Oobit Card
Continue with
Karta Personal Card
05 · Common questions
Oobit vs Karta Personal FAQ
Is Oobit or Karta Personal better overall?
Oobit Card has the higher Overall Score (74 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, Oobit or Karta Personal?
Oobit Card has the lower published FX fee (Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice 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, Oobit or Karta Personal?
Oobit Card has the higher published base cashback rate (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 Oobit and Karta Personal differ on custody?
Oobit 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 Oobit vs Karta Personal comparison?
The latest information check for these two cards was October 6, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.