OKX Card is connected directly to OKX Pay, a dual-custody smart wallet integrated into the OKX app. Users can spend supported stablecoins without manually converting them into fiat or transferring funds to a separate card balance before each purchase.
Payments automatically convert the required stablecoins into the settlement currency. Unlike a conventional custodial card wallet, OKX Pay uses passkeys and multi-signature authorization, allowing users to retain control of their funds until payment execution.
The card operates through different regional programs. European customers use a euro-settled Mastercard, while other markets offer Visa or Mastercard cards with different supported assets, currencies and rewards.
Supported assets and fees
In the European Economic Area, OKX Card supports USDC and USDG for payments. Other regional programs, including Singapore, additionally support USDT.
Virtual card issuance is free, with no monthly, annual or inactivity fees. OKX does not charge additional card transaction or foreign-exchange fees, although card-network exchange rates still apply.
The European program applies a 0.1% conversion spread when exchanging USDC or USDG into euros. Other regions have different conversion arrangements, including zero-spread conversions for certain stablecoins and settlement currencies.
Cashback and rewards
OKX Card offers cashback on eligible purchases funded with USDG. Rates and monthly limits depend on the user's region and VIP status.
Under the European program, standard users currently earn 2% cashback, capped at €50 per month. Higher VIP tiers receive between 4% and 10%, with monthly caps reaching €1,000.
Rewards are credited in USDG to the user's OKX Pay account after eligible transactions settle. USDC-funded purchases do not qualify for this cashback program, and financial transactions and other excluded merchant categories are not rewarded.
In Singapore, cashback and certain additional rewards are restricted to verified Accredited Investors.
Availability and card management
OKX Card requires identity verification and is available only in supported jurisdictions. The European program covers eligible residents of EU countries and Norway, excluding Iceland and Liechtenstein.
Apple Pay and Google Pay are supported for contactless payments. Users can lock their cards, review transactions and manage spending limits directly in the OKX app.
The card was initially virtual-only. Since September 2026, OKX has started rolling out physical cards in selected regions, with issuance and shipping charges displayed during ordering. Physical cards can support ATM withdrawals, although availability and fees depend on local regulations.
How to get the OKX Card
Download the OKX app and create an account.
Complete the required identity verification.
Open OKX Pay and activate the wallet using a passkey.
Transfer supported stablecoins into the OKX Pay account.
Open the Card section and check regional eligibility.
Apply for the virtual OKX Card.
Add the card to Apple Pay or Google Pay.
Order a physical card through Manage Card if available in your region.
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