Direct comparison
Two CEX cards — prepaid with 0% entry and CRO lock vs. debit with 2% USDG and tight EUR 10 cap.
Key differences to help you choose, without an overall score.
| criterion |  Crypto.com Prepaid Card |  OKX Card |
|---|---|---|
| NetNetwork: Visa or Mastercard. “Both” in research meets the Visa or Mastercard filter. | Visa | Mastercard |
| Card typeCard type: Debit debits credit/account. Prepaid is loaded beforehand. Mixed = Debit and Credit variants in one SKU line. | Prepaid | Debit |
| FXFX: Provider's surcharge when paying in foreign currency, plus target currency if used. Spread when changing assets is not 0-%-FX. Visa rate = network rate without extra markup. | 0.2% EU/UK · 2% ROW | 0.1% spread |
| CapCap: Upper limit or scale of this SKU (month, AI band, flight). No cap in the cell does not mean “unlimited” if the policy is unknown. | no cap | EUR 10/Mon |
| SavebackSaveback: Rate of this SKU — not the marketing cap. One number per column for sorting to work. | 0% | 2% USDG |
| To the offerAffiliate links | To the offer ↗to EUR 400 |
| criterion | Crypto.com Prepaid Card | OKX Card |
|---|---|---|
| CustodyCustody: Custodial = credit on the provider account. Non-custodial = card on a wallet, not on the exchange account. | Custodial | Custodial |
| Apple/Google PayApple/Google Pay: Hard Research Line. A help text “2025 is coming” does not count as yes. | ✓ | ✓ |
| Card costsCard Cost: Issue or subscribe to this SKU. Month × 12 = Year. EUR 0 only with an officially free edition - “no subscription” is not a 0. Mandatory lock or hold (CRO, XPL, WPAY) is in the cell with the amount - this is not a sorting price. Tickers lead to CoinMarketCap. | EUR 0 | EUR 0 |
Conclusion — Strengths, limitations and suitable uses. Your workflow and the functions it requires are what matter.
In this direct comparison, Crypto.com Prepaid Card and OKX Card are two custodial crypto cards from exchange ecosystems. Both count against exchange balances, not against self-custody wallets. Card cashback, app spread and exchange fees are separate price worlds - this is just about the card column. Counterparty risk of central custody remains with both; the characteristics table shows entry levels.
Crypto.com Prepaid is Visa prepaid with four levels: Basic EUR 0 edition, 0% saveback in the entry level. Higher columns require a CRO lock and sometimes a monthly fee - Upside is linked to token hold, not to the VIP status of the exchange. FX EU/UK 0.2%, outside 2% ROW; Saveback in CRO. Apple Pay and Google Pay are documented. If you expect cashback immediately, start with 0% - that's documented, no hidden catch. Profile: Crypto.com Prepaid Card.
OKX Card is Mastercard debit with five VIP levels: entry EUR 0 issue, 2% saveback in USDG, cap EUR 10/Mo in the non-VIP column. FX: 0.1% Spread. VIP 1+: up to 10% and EUR 1000/Mo Cap — Upside via crypto exchange VIP, not portfolio hold. Apple Pay and Google Pay are documented. Rate and cap belong together: 2% with EUR 10/Mo is a different everyday profile than VIP with a three-digit cap. Details: OKX Card.
No overall rating: CRO lock model vs. VIP cap scaling — entry rate, cap and FX decide, not the exchange's brand size.