RedotPayRedotPay
69
Side-by-side card comparison
RedotPay vs Kolo: overall score versus use-case fit
Kolo Card has the higher Overall Score by 4 points (73 vs 69). RedotPay Card looks stronger for Travel, while Kolo Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Information checked Aug 28, 202656 official sources reviewed
01 · Overall score versus use-case fit
Kolo Card is the better all-round starting point
Kolo Card has the higher Overall Score in this comparison. RedotPay Card may be the better fit for Travel. 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.
OverallRedotPay69Kolo73Higher score
CashbackRedotPay41Kolo54Higher score
TravelRedotPay83Kolo70Higher score
Funds controlRedotPay55Kolo56Higher score
Lowest feesRedotPay66Kolo83Higher score
TransfersRedotPay85Kolo92Higher score
Choose RedotPay Card if travel matters most
RedotPay Card comes out ahead for Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual and physical cards are both available
- Apple Pay and Google Pay support
- Optional Pro plan can add cashback
Choose Kolo Card if cashback and funds control matter most
Kolo Card comes out ahead for Cashback, 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.
- Free virtual Visa Platinum
- 2% BTC cashback for 30 days
- Several withdrawal routes
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
- RedotPay69Kolo73
Kolo Card has the higher Overall Score by 4 points.
- Entry cost & FX
- RedotPay$0 plan · 1.2–2% FXKolo$0 plan · 1% FX
Kolo Card has the lower published FX fee (1% vs 1.2–2%).
- Purchase rewards
- RedotPay0% base · up to 3%Kolo1% base · up to 2%
Kolo Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- RedotPayCustodial balanceKoloCustodial balance
RedotPay Card and Kolo Card use the same custodial balance setup.
- Everyday access
- RedotPayVirtual + Physical · Apple Pay, Google PayKoloVirtual · Apple Pay, Google Pay
RedotPay Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- RedotPay2 stablecoins · Stablecoin transfers; RedotPay International TransferKolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
Kolo Card lists more stablecoins and ways to send money out (10 vs 4).
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%-3%
- Plan cost
- $0
- FX fee
- 1.2–2%
- ATM fee
- 2–3%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 10 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 1%-2%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 20 crypto · 0 fiat
- Payout methods
- 20 crypto · 1 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
CardsRedotPay CardOverall69Kolo CardOverall73
RedotPay CardOverall69Kolo CardOverall73Scores
6 fields- Overall Score
- RedotPay Card69Kolo Card73
- Cashback score
- RedotPay Card41Kolo Card54
- Travel score
- RedotPay Card83Kolo Card70
- Funds control score
- RedotPay Card55Kolo Card56
- Lowest fees score
- RedotPay Card66Kolo Card83
- Transfers score
- RedotPay Card85Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- RedotPay CardVirtual and physical cards are both available, Apple Pay and Google Pay supportKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- RedotPay CardSpending uses a RedotPay account balance, ATM withdrawals carry a 3% feeKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- RedotPay Card$0Kolo Card$0
- FX fee
- RedotPay Card1.2–2%Kolo Card1%
- Top-up fee
- RedotPay CardNot disclosedKolo Card0%
- Card spending fee
- RedotPay CardNot disclosedKolo CardNot disclosed
- ATM fee
- RedotPay Card2–3%Kolo Card$1 + 0.65%
- Virtual card
- RedotPay Card10 USD one-time issuance fee; non-refundable after paymentKolo CardFree
- Physical card
- RedotPay Card100 USD one-time issuance fee; non-refundable after paymentKolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- RedotPay Card2 plans: Regular, ProKolo CardNot disclosed
- Top cashback plan
- RedotPay CardPro: 3%Kolo CardNot disclosed
Everyday use
8 fields- Network
- RedotPay CardVisaKolo CardVisa
- Card formats
- RedotPay CardVirtual, PhysicalKolo CardVirtual
- ATM withdrawals
- RedotPay CardAvailableKolo CardAvailable
- Mobile wallets
- RedotPay CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- RedotPay CardiOS, AndroidKolo CardiOS, Android
- Daily spending limit
- RedotPay CardNot disclosedKolo Card$9,000/day
- Monthly spending limit
- RedotPay CardNot disclosedKolo Card$9,000/month
- ATM limit
- RedotPay CardNot disclosedKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- RedotPay CardTRC20, ERC20, BEP20Kolo CardNot disclosed
- Crypto deposits
- RedotPay CardStablecoins: USDT, USDC; Other crypto: BTC, ETH, SOL, XRP, BNB +3Kolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- RedotPay CardRedotPay account bank depositKolo CardNot disclosed
- Transfers
- RedotPay CardStablecoin transfers; RedotPay International TransferKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- RedotPay CardNot disclosedKolo CardEUR
Rewards
3 fields- Base cashback
- RedotPay Card0%Kolo Card1%
- Max cashback
- RedotPay Card3%Kolo Card2%
- Reward currency
- RedotPay CardUSDs cashbackKolo CardBTC cashback
Earn
5 fields- Advertised APY
- RedotPay CardUp to 1% APYKolo CardNot offered
- How it works
- RedotPay CardOptional earn vaultKolo CardNot offered
- Separate deposit
- RedotPay CardYesKolo CardNot offered
- Use balance for spending
- RedotPay CardNot disclosedKolo CardNot offered
- Lock-up
- RedotPay CardNot disclosedKolo CardNot offered
Trust & availability
6 fields- Custody
- RedotPay CardCustodialKolo CardCustodial
- Control until payment
- RedotPay CardProvider controls fundsKolo CardProvider controls funds
- Card issuer
- RedotPay CardXfers Pte. Ltd.Kolo CardBanco Popular de Puerto Rico, Wirex Limited
- Card processing
- RedotPay CardRedotPayKolo CardNot disclosed
- Identity verification
- RedotPay CardNot disclosedKolo CardSumSub
- Programme operator
- RedotPay CardRed F. Technology LimitedKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- RedotPay Card28Kolo Card28
- Last reviewed
- RedotPay CardAug 25, 2026Kolo CardAug 28, 2026
04 · The trade-off
Kolo Card is the stronger all-round choice
Kolo Card finishes ahead with an Overall Score of 73 versus 69 for RedotPay Card. Kolo Card has the lower published FX fee (1% vs 1.2–2%). Kolo Card has the higher published base cashback rate (1% vs 0%).
RedotPay Card still comes out ahead for Travel, which may matter more than the overall result if that is how you plan to use the card. RedotPay Card and Kolo Card use the same custodial balance setup.
Kolo Card lists more stablecoins and ways to send money out (10 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 RedotPay Card and Kolo Card reviews first.
Continue with
RedotPay Card
Continue with
Kolo Card
05 · Common questions
RedotPay vs Kolo FAQ
Is RedotPay or Kolo better overall?
Kolo Card has the higher Overall Score (73 vs 69). 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, RedotPay or Kolo?
Kolo Card has the lower published FX fee (1% vs 1.2–2%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, RedotPay or Kolo?
Kolo Card has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do RedotPay and Kolo differ on custody?
RedotPay Card and Kolo Card use the same custodial balance setup.
How current is this RedotPay vs Kolo comparison?
The latest information check for these two cards was August 28, 2026, using 56 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.