Pros
- Non-custodial — keys stay with you
- 3 stages in the same program
- Saveback at entry level 2%
- Apple Pay / Google Pay
Cons
- FX: to 1% Non-USD
- Higher levels not free of charge (Plasma One Core, Plasma One Platinum)
- ATM often virtual in Lite
Crypto cards
Plasma One
Non-custodial Visa cards with three levels (Lite, Core, Platinum) in DE/AT/CH: 2% Saveback in Lite entry, higher columns via XPL lock and annual fee.
To the provider
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Manufacturer's website
To the manufacturer's websiteStatus: 15.08.2026
Choose a card tier to compare
At a glance
- Net
- Visa
- Card type
- Debit
- Custody
- Non-custodial
program
Stages in the program
| criterion |  Plasma One LiteLite |  Plasma One CoreCore |  Plasma One PlatinumPlatinum |
|---|---|---|---|
| NetNetwork: Visa or Mastercard. “Both” in research meets the Visa or Mastercard filter. | Visa | Visa | Visa |
| Card typeCard type: Debit debits credit/account. Prepaid is loaded beforehand. Mixed = Debit and Credit variants in one SKU line. | Debit | Debit | Debit |
| CustodyCustody: Custodial = credit on the provider account. Non-custodial = card on a wallet, not on the exchange account. | Non-custodial | Non-custodial | Non-custodial |
| DE / AT / CHGermany, Austria and Switzerland: Documented edition in DE, AT or CH. Unknown policy is not a filter option. | DE/AT/CH | DE/AT/CH | DE/AT/CH |
| 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. | to 1% Non-USD | to 1% Non-USD | to 1% Non-USD |
| Withdraw moneyWithdrawing money (ATM): Fees and limits for cash at ATMs. “Unknown” / — is not a free acceptance. | often virtual | ✕ | ✕ |
| 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 AI | 5% AI $ 500/mo | 10% AI · $ 600/J |
| SavebackSaveback: Rate of this SKU — not the marketing cap. One number per column for sorting to work. | 2% | 3% | 4% |
| 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. | XPL | XPL | XPL |
| 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. | $ 0 | $ 199/year · 20k XPL | 100k XPL · 12 Mon |
View sources: Stages in the program
- Plasma One — International Card TermsFX (Plasma One Lite) · FX (Plasma One Core) · FX (Plasma One Platinum) · Withdraw money (Plasma One Core) · Withdraw money (Plasma One Platinum)
- Plasma One LiteCard costs (Plasma One Lite)
- Plasma One CoreCard cost (Plasma One Core)
- Plasma One PlatinumCard costs (Plasma One Platinum)
Overview
Editorial assessment
Plasma One is the non-custodial Visa crypto card program with three levels — Lite, Core and Platinum — for DE/AT/CH. Lite: 2% saveback and 0 $output; Core and Platinum require XPL lock and some $ 199/year. Saveback is paid out in XPL — token-linked, not EUR stable, and subject to AI caps per tier. Lite is often virtual; ATM in higher columns partly no. The classification applies to the program as a whole, not just to the Lite line.
FX to 1% Non-USD — relevant for travel and foreign currency payments. Caps: no AI in Lite vs. 5% AI $ 500/Mo in Core vs. 10% AI in Platinum. Core: 20k XPL; Platinum: 100k XPL over 12 months. Apple Pay and Google Pay are documented. Higher levels are not free: lock and annual fee are part of the column calculation alongside rate and cap. Anyone who only reads 2% in Lite underestimates XPL exposure and AI limits.
Non-custody keeps keys with the user, but links rewards to XPL exposure and lock duration. Gas, liquidity and token volatility are part of everyday calculations - unlike USDC savebacks, which have their own exchange rate dependency.
In Direct comparison Gnosis Pay Card vs Plasma One Saveback, FX and custody of the entry levels are in direct comparison - without ranking.
As an alternative you can ether.fi Cash Compare based on reward currency, costs and custody. Lite, Core and Platinum — FX, cap and cost per column in the tier table below the profile.
Decision before signing up: Check the tier offered for your country, ongoing fees and any required token binding. The Plasma One site mentions XPL as a reward currency and points out partner fees for certain exchange and banking transactions (access 19.09.2026). A percentage value in XPL is not a guaranteed euro return. Example with freely chosen assumptions: EUR 500 legitimate expenses for 2% initially correspond to EUR 10 reward equivalent; the subsequent value may change with the token price. Therefore, also compare the lock duration, exclusions and the exchange rate displayed.
Suitable for whom?
- If the card should be attached to your own wallet (non-custodial).
- If documented issue counts without card price ($ 0).
- If entry level saveback is important to you (2%).
- Recorded country scope: Germany, Austria and Switzerland (DE/AT/CH). This is separate from spending abroad.
Who is it not for?
- If you expect unlimited saveback — Cap: no AI.
- If you need 0% FX markup — FX: to 1% Non-USD.
Guides
Sources & notes
Review details
You can also find the sources for individual information directly in the respective characteristics area.
- Plasma OnePlasma · retrieved 2026-08-15
- Plasma One LitePlasma · retrieved 2026-08-15
- Plasma One CorePlasma · retrieved 2026-08-15
- Plasma One PlatinumPlasma · retrieved 2026-08-15
- Plasma One rewardsPlasma · retrieved 2026-08-15
- Plasma One — App StorePlasma · retrieved 2026-08-15
- Plasma One — International Card TermsPlasma · retrieved 2026-08-15