KuCoin Card (KuCard) review
Last reviewed 2026-08-25
KuCoin's own support documentation describes a New Zealand-specific KuCard and Cashback program tied to a KuCoin-AU account, explicitly stating it is available exclusively to New Zealand residents; a separately reported European KuCard program with its own EEA country list is documented mainly through third-party trackers, so the two should not be assumed to be the same product with the same terms.
On the New Zealand program, cashback for the entry VIP 0 tier ranges 1% to 1.7% depending on assets held in the KuCoin-AU account and KCS holdings, capped at 10 to 30 USDC per month. Higher VIP tiers (VIP 1 through VIP 12) raise the base rate up to 3%, capped at 250 USDC per month, and the KCS Loyalty Level Program can add up to a further 5.5% on top, for a combined maximum of roughly 8.5% cashback, still capped at 250 USDC redeemed per month regardless of how high the percentage climbs.
Third-party trackers describing a separate EEA-issued KuCard cite an annual fee around 10 EUR (waived above roughly 500 EUR of yearly spend), a 3 EUR inactivity fee after 90 days of dormancy, a roughly 9.99 EUR physical card issuance fee, and a 2% international FX fee on non-EUR transactions; these figures are not corroborated on a page directly hosted by KuCoin and should be verified in-app before being treated as authoritative.
- Issuer
- KuCoin
- Rewards
- New Zealand program: 1% to 3% base cashback (USDC or KCS) by VIP tier, plus up to a further 5.5% KCS Loyalty Level bonus, capped at 250 USDC redeemed per month. A separately reported EEA program's cashback terms are not confirmed on an official KuCoin page.
- Fees
- New Zealand program's fee structure is not detailed in the reviewed KuCoin support article beyond cashback caps; a separately reported EEA program cites roughly a 10 EUR annual fee (waived above 500 EUR/year spend), a 9.99 EUR physical card fee, and a 2% international FX fee, none of which are confirmed on an official KuCoin page.
- Available in
- New Zealand, tied to a KuCoin-AU account
Reward tiers
This tier table is drawn from KuCoin's own New Zealand-specific KuCard and Cashback support article. A separate KCS Loyalty Level Program can add up to an additional 5.5% cashback on top of any base tier, for a combined maximum around 8.5%, but the 250 USDC monthly redemption cap still applies at the top end regardless of percentage.
| Tier | Rewards | Requirements |
|---|---|---|
| VIP 0, under 10,000 USDC in KuCoin-AU account | 1% to 1.7% cashback | Base 1%, 1.2% if holding KCS, 1.7% if holding over 100 KCS; capped at 10 USDC/month |
| VIP 0, 10,000-20,000 USDC in KuCoin-AU account | 1% to 1.7% cashback | Same KCS-based tiering as above; capped at 20 USDC/month |
| VIP 0, over 20,000 USDC in KuCoin-AU account | 1% to 1.7% cashback | Same KCS-based tiering as above; capped at 30 USDC/month |
| VIP 1-4 | 1.5% cashback | KuCoin VIP 1 through VIP 4 exchange status; capped at 100 USDC/month |
| VIP 5-7 | 2% cashback | KuCoin VIP 5 through VIP 7 exchange status; capped at 200 USDC/month |
| VIP 8-10 | 2.5% cashback | KuCoin VIP 8 through VIP 10 exchange status; capped at 240 USDC/month |
| VIP 11-12 | 3% cashback | KuCoin VIP 11 or VIP 12 exchange status; capped at 250 USDC/month |
Where you can get the KuCoin Card (KuCard)
KuCoin's own KuCard article states the card and its cashback programme are available exclusively to residents of New Zealand, tied to a KuCoin-AU account. A European KuCard is widely described by third-party trackers but appears on no KuCoin-hosted page, so it is not claimed here; if you are in the EEA, check in the app rather than trusting a comparison site.
New ZealandPros and cons
What works
- Cashback can reach as high as 8.5% for large KCS holders combining VIP status and Loyalty Level bonuses
- No staking lockup is described for the New Zealand program's base VIP-tier cashback, unlike some competitors' 12-month lockups
- Multiple tiers are reachable purely through exchange trading volume (VIP status) rather than requiring a card-specific deposit
- Cashback is paid in USDC or KCS, so the payout can be a dollar stablecoin rather than the exchange's own token
What to watch
- KuCoin operates what appear to be two distinct, non-overlapping card programs under the same brand name, creating real risk of publishing the wrong country's terms as universal
- Even at the highest combined cashback percentage, redemption is capped at 250 USDC per month, limiting the real-dollar value for high spenders
- The separately reported EEA program's fees are not corroborated on any page KuCoin itself hosts, and should be treated as unverified
- Entry-tier cashback for typical users without meaningful KCS holdings or trading volume is as low as 1%, capped at just 10 USDC per month
Frequently asked questions
Is KuCoin Card available in New Zealand?
Yes, KuCoin's own support documentation states its KuCard and Cashback program is available exclusively to residents of New Zealand who hold a KuCoin-AU account.
How high can KuCoin Card cashback go?
KuCoin's own support article describes a combined maximum around 8.5%, achieved by reaching the top VIP 11-12 tier (3% base) and stacking the maximum KCS Loyalty Level Program bonus (up to a further 5.5%), though monthly redemption is still capped at 250 USDC regardless of the percentage reached.
Does KuCoin Card require staking KCS to earn cashback?
The base VIP-tier cashback in KuCoin's own New Zealand program documentation does not require staking, only holding KCS or reaching KuCoin exchange VIP status through trading volume; the additional KCS Loyalty Level bonus operates as a separate program.
Is there a European version of KuCoin Card?
Multiple third-party trackers describe a separate EEA-issued KuCard covering countries such as Austria, Germany, and France, but this program's specific fee and cashback terms could not be corroborated on an official KuCoin-hosted page as of this research, and should be verified directly with KuCoin before publishing.