RedotPayRedotPay
69
Side-by-side card comparison
RedotPay vs WhiteBIT Nova USD: overall score versus use-case fit
RedotPay Card has the higher Overall Score by 10 points (69 vs 59). RedotPay Card looks stronger for Cashback, Travel, Funds control, and Lowest fees, while WhiteBIT Nova USD comes out ahead for Transfers.
Information checked Oct 16, 202645 official sources reviewed
01 · Overall score versus use-case fit
RedotPay Card is the better all-round starting point
RedotPay Card has the higher Overall Score in this comparison. WhiteBIT Nova USD may be the better fit for 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.
OverallRedotPay69WhiteBIT Nova USD59Higher score
CashbackRedotPay41WhiteBIT Nova USD25Higher score
TravelRedotPay84WhiteBIT Nova USD36Higher score
Funds controlRedotPay55WhiteBIT Nova USD49Higher score
Lowest feesRedotPay66WhiteBIT Nova USD60Higher score
TransfersRedotPay85WhiteBIT Nova USD86Higher score
Choose RedotPay Card if cashback and travel matter most
RedotPay Card comes out ahead for Cashback, Travel, Funds control, 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.
- Virtual and physical cards are both available
- Apple Pay and Google Pay support
- Optional Pro plan can add cashback
Choose WhiteBIT Nova USD if transfers matters most
WhiteBIT Nova USD comes out ahead for Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Apple Pay and Google Pay
- Spend selected exchange assets
- No monthly maintenance fee
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
- RedotPay69WhiteBIT Nova USD59
RedotPay Card has the higher Overall Score by 10 points.
- Entry cost & FX
- RedotPay$0 plan · 1.2–2% FXWhiteBIT Nova USDNot disclosed plan · 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete FX
WhiteBIT Nova USD has the lower published FX fee (1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete vs 1.2–2%).
- Purchase rewards
- RedotPay0% base · up to 3%WhiteBIT Nova USD0% base · up to 10%
Both cards show the same base cashback rate of 0%.
- Funds control
- RedotPayCustodial balanceWhiteBIT Nova USDCustodial balance
RedotPay Card and WhiteBIT Nova USD use the same custodial balance setup.
- Everyday access
- RedotPayVirtual + Physical · Apple Pay, Google PayWhiteBIT Nova USDVirtual · 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 TransferWhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
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
- 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
- 0%-10%
- Plan cost
- Not disclosed
- FX fee
- 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 2 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 CardOverall69WhiteBIT Nova USDOverall59
RedotPay CardOverall69WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- RedotPay Card69WhiteBIT Nova USD59
- Cashback score
- RedotPay Card41WhiteBIT Nova USD25
- Travel score
- RedotPay Card84WhiteBIT Nova USD36
- Funds control score
- RedotPay Card55WhiteBIT Nova USD49
- Lowest fees score
- RedotPay Card66WhiteBIT Nova USD60
- Transfers score
- RedotPay Card85WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- RedotPay CardVirtual and physical cards are both available, Apple Pay and Google Pay supportWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- RedotPay CardSpending uses a RedotPay account balance, ATM withdrawals carry a 3% feeWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- RedotPay Card$0WhiteBIT Nova USDNot disclosed
- FX fee
- RedotPay Card1.2–2%WhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- RedotPay CardNot disclosedWhiteBIT Nova USD0%
- Card spending fee
- RedotPay CardNot disclosedWhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- RedotPay Card2–3%WhiteBIT Nova USDNot available
- Virtual card
- RedotPay Card10 USD one-time issuance fee; non-refundable after paymentWhiteBIT Nova USD$0 issuance
- Physical card
- RedotPay Card100 USD one-time issuance fee; non-refundable after paymentWhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- RedotPay Card2 plans: Regular, ProWhiteBIT Nova USDNot disclosed
- Top cashback plan
- RedotPay CardPro: 3%WhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- RedotPay CardVisaWhiteBIT Nova USDVisa
- Card formats
- RedotPay CardVirtual, PhysicalWhiteBIT Nova USDVirtual
- ATM withdrawals
- RedotPay CardAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- RedotPay CardApple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- RedotPay CardiOS, AndroidWhiteBIT Nova USDWeb
- Daily spending limit
- RedotPay CardNot disclosedWhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- RedotPay CardNot disclosedWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- RedotPay CardNot disclosedWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- RedotPay CardTRC20, ERC20, BEP20WhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- RedotPay CardStablecoins: USDT, USDC; Other crypto: BTC, ETH, SOL, XRP, BNB +3WhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- RedotPay CardRedotPay account bank depositWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- RedotPay CardStablecoin transfers; RedotPay International TransferWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- RedotPay CardNot disclosedWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- RedotPay Card0%WhiteBIT Nova USD0%
- Max cashback
- RedotPay Card3%WhiteBIT Nova USD10%
- Reward currency
- RedotPay CardUSDs cashbackWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- RedotPay CardUp to 1% APYWhiteBIT Nova USDNot offered
- How it works
- RedotPay CardOptional earn vaultWhiteBIT Nova USDNot offered
- Separate deposit
- RedotPay CardYesWhiteBIT Nova USDNot offered
- Use balance for spending
- RedotPay CardNot disclosedWhiteBIT Nova USDNot offered
- Lock-up
- RedotPay CardNot disclosedWhiteBIT Nova USDNot offered
Trust & availability
5 fields- Custody
- RedotPay CardCustodialWhiteBIT Nova USDCustodial
- Control until payment
- RedotPay CardProvider controls fundsWhiteBIT Nova USDProvider controls funds
- Card issuer
- RedotPay CardXfers Pte. Ltd.WhiteBIT Nova USDJSC Hash Bank
- Card processing
- RedotPay CardRedotPayWhiteBIT Nova USDNot disclosed
- Programme operator
- RedotPay CardRed F. Technology LimitedWhiteBIT Nova USDNot disclosed
Sources
2 fields- Official sources
- RedotPay Card28WhiteBIT Nova USD17
- Last reviewed
- RedotPay CardAug 25, 2026WhiteBIT Nova USDOct 16, 2026
04 · The trade-off
RedotPay Card is the stronger all-round choice
RedotPay Card finishes ahead with an Overall Score of 69 versus 59 for WhiteBIT Nova USD. WhiteBIT Nova USD has the lower published FX fee (1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete vs 1.2–2%). Both cards show the same base cashback rate of 0%.
WhiteBIT Nova USD still comes out ahead for Transfers, which may matter more than the overall result if that is how you plan to use the card. RedotPay Card and WhiteBIT Nova USD use the same custodial balance setup.
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 RedotPay Card and WhiteBIT Nova USD reviews first.
Continue with
RedotPay Card
Continue with
WhiteBIT Nova USD
05 · Common questions
RedotPay vs WhiteBIT Nova USD FAQ
Is RedotPay or WhiteBIT Nova USD better overall?
RedotPay Card has the higher Overall Score (69 vs 59). 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 WhiteBIT Nova USD?
WhiteBIT Nova USD has the lower published FX fee (1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete 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 WhiteBIT Nova USD?
Both cards show the same base cashback rate of 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 WhiteBIT Nova USD differ on custody?
RedotPay Card and WhiteBIT Nova USD use the same custodial balance setup.
How current is this RedotPay vs WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 45 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.