Mastercard debit with five VIP levels in the EEA: custodial, EUR 0 entry, 2% saveback in USDG — Cap EUR 10/Mo in the non-VIP column.
Status: 15.08.2026
At a glance
program
| criterion |  OKX Non-VIP | OKX VIP 1 | OKX VIP 2 | OKX VIP 3 | OKX VIP 4+ |
|---|---|---|---|---|---|
| NetNetwork: Visa or Mastercard. “Both” in research meets the Visa or Mastercard filter. | Mastercard | Mastercard | Mastercard | Mastercard | Mastercard |
| Card typeCard type: Debit debits credit/account. Prepaid is loaded beforehand. Mixed = Debit and Credit variants in one SKU line. | Debit | Debit | Debit | Debit | Debit |
| CustodyCustody: Custodial = credit on the provider account. Non-custodial = card on a wallet, not on the exchange account. | Custodial | Custodial | Custodial | Custodial | Custodial |
| DE / AT / CHGermany, Austria and Switzerland: Documented edition in DE, AT or CH. Unknown policy is not a filter option. | EEA | EEA | EEA | EEA | EEA |
| Apple/Google PayApple/Google Pay: Hard Research Line. A help text “2025 is coming” does not count as yes. | ✓ | ✓ | ✓ | ✓ | ✓ |
| 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. | 0.1% spread | 0.1% spread | 0.1% spread | 0.1% spread | 0.1% spread |
| Withdraw moneyWithdrawing money (ATM): Fees and limits for cash at ATMs. “Unknown” / — is not a free acceptance. | — | — | — | — | — |
| 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. | EUR 10/Mon | EUR 300/Mon | EUR 450/Mon | EUR 1000/Mo | EUR 1000/Mo |
| SavebackSaveback: Rate of this SKU — not the marketing cap. One number per column for sorting to work. | 2% USDG | 4% USDG | 4.5% USDG | 5% USDG | 10% USDG |
| Cash outCashout: In which asset the saveback refund arrives - e.g. E.g. same spend crypto, USDC, BTC, CRO or recurring investment plan. Not automatically Euro/Fiat. | USDG | USDG | USDG | USDG | USDG |
| 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 | VIP 1 | VIP 2 | VIP 3 | VIP 4+ |
The OKX Card is the custodial Mastercard debit crypto card program with five VIP levels in the EEA. Entry: EUR 0 issue, 2% saveback in USDG, cap EUR 10/Mo in the non-VIP column. VIP 1: 4% / EUR 300 Cap; VIP 2: 4.5% / EUR 450; VIP 4+: up to 10% and EUR 1000/Mo — Upside via crypto exchange VIP, not via classic portfolio hold as with hold cards. The entry rate seems high, but remains limited by the tight cap.
FX: 0.1% Spread. Apple Pay and Google Pay are documented; ATM is blank in the characteristics (—) and should be read as an open field in the matrix. Saveback payout in USDG. Higher levels are not free: VIP status is part of the crypto exchange account. Cap and rate always belong together - 2% with EUR 10/Mo Cap is a different everyday profile than VIP with a three-digit cap.
Custodial means credit with the provider, not in your own wallet. OKX remains exchange-centric: Rewards follow the exchange's VIP matrix, not a separate card subscription. Blank ATM fields and the entry cap are part of the classification alongside FX and USDG cashout.
In Direct comparison Crypto.com Prepaid Card vs OKX Card Saveback, FX and custody of the entry levels are in direct comparison - without ranking.
Saveback via hold instead of VIP scales the Krak Card with five hold levels and no documented saveback cap. Five VIP columns with rate, cap and USDG cashout are in the tier table in the profile.
You can also find the sources for individual information directly in the respective characteristics area.
