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Bitpanda Card vs Oobit Card

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-10-29
Bitpanda Card4.1

Bitpanda Card is a Visa debit card for euro area residents that pays a flat 1% cashback in whichever crypto asset funded the purchase, with no VIP tier or staking requirement.

Oobit Card3.1

Oobit Card is a Visa card that spends stablecoins and crypto from an Oobit account or, through DePay, a self-custody wallet, with a 1% fee on every card payment and base points worth 0.1% to 0.5%.

Verdict: Bitpanda Card

Bitpanda Card rates higher on our rubric: 4.1 against 3.1 for Oobit Card.

Criterion
Editorial rating
Bitpanda Card
4.1
Oobit Card
3.1

Bitpanda Card and Oobit Card, fact by fact

Every row is from the two reviews as of their review dates, with sources on each. A check marks the side a decidable criterion favours; rows without one are information, not a score.

Bitpanda Card and Oobit Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactBitpanda CardOobit Card
Editorial rating4.1 (favoured on this row)3.1
IssuerBitpanda GmbH (Austrian FMA-licensed); Visa issued via Transact Payments Malta LimitedOobit Technologies UAB; outside the United States the card is issued by Third National under license from Visa
CashbackFlat 1% cashback in the same crypto asset used for each purchase, available to all cardholders since April 2025 with no token-holding or staking tier required.Base points are worth 0.1% to 0.5% of Tap to Pay spend depending on your level, plus capped offers of 5% in stablecoins (up to $200 of spend) and 10% in OOB (up to $5,000 of spend), all spendable only inside the app.
Top reward tier1% cashback, paid in the crypto asset used for the purchase (Standard (all cardholders))5 points per $1, worth 0.5% (Level 5)
Reward tiers15
FeesFree first card issuance, no monthly or annual fee, 0% Bitpanda-side FX markup on top of the standard Visa network rate, and roughly €2 per ATM withdrawal.No fee to get the card and no monthly fee; 1% per card payment with a $0.25 minimum; the card is denominated in USD, with up to 1.5% more on other currencies; 2.5% on ATM withdrawals.
Countries issued in1972
Countries both are issued in1919
Last reviewed2026-08-242026-10-29

Pros and cons, side by side

Bitpanda Card

What works

  • Flat 1% cashback available to every cardholder with no token-holding or staking tier required
  • No monthly or annual maintenance fee, and the first card is free to order
  • Cashback is paid instantly in the same asset used for the purchase
  • 0% Bitpanda-side foreign exchange markup beyond the standard Visa network rate

What to watch

  • Cashback excludes euro, stablecoin, precious-metal, and stock-funded purchases, only crypto-funded spending qualifies
  • Restricted to euro-area residents, so a verified Bitpanda account outside the eurozone does not qualify
  • Sources disagree on the exact ATM fee, ranging from a flat €2 to a 2%-or-€2-whichever-is-higher structure
  • Cashback rate dropped from a previous VIP-tiered maximum of 2% to a flat 1% for all users

Oobit Card

What works

  • No fee to get the card and no monthly fee, so the cost is per payment only
  • DePay pays from a self-custody wallet such as MetaMask, Trust Wallet or Phantom without moving funds into Oobit first
  • Listed in 72 countries that have a guide on this site, including most of the European Economic Area, the United Kingdom, the United States, Brazil, Mexico and South Korea
  • Works with Apple Pay and Google Wallet, so you can tap to pay wherever Visa is accepted

What to watch

  • A 1% fee applies to every card payment, with a $0.25 minimum, which is more than the 0.1% to 0.5% the base points pay back
  • Payments in currencies other than USD can add up to 1.5% on top, and ATM withdrawals cost 2.5%
  • Rewards can only be spent on Tap to Pay payments in the app and cannot be withdrawn, and Oobit can change offers on 30 days' notice
  • The 5% stablecoin reward is capped at $200 of spend and the 10% OOB reward at $5,000 of spend
  • The self-custody route needs a spending approval that lets Oobit draw up to your limit, and the card terms let Oobit and the issuer change spending limits, including to $0, with or without notice

Frequently asked questions

Is Bitpanda Card or Oobit Card better?

Bitpanda Card rates higher on our rubric: 4.1 against 3.1 for Oobit Card. The rating follows the product rubric on our about page; the rows above set rewards, fees and availability side by side.

Which pays more cashback, Bitpanda Card or Oobit Card?

Bitpanda Card: Flat 1% cashback in the same crypto asset used for each purchase, available to all cardholders since April 2025 with no token-holding or staking tier required. Oobit Card: Base points are worth 0.1% to 0.5% of Tap to Pay spend depending on your level, plus capped offers of 5% in stablecoins (up to $200 of spend) and 10% in OOB (up to $5,000 of spend), all spendable only inside the app. Headline rates on crypto cards are usually gated by a staked or locked balance, and each review sets out the tiers.

Where can I get both Bitpanda Card and Oobit Card?

Both are issued in 19 countries, including Austria, Belgium, Croatia, Estonia, Finland, on each issuer's own eligibility page. Bitpanda Card is issued in 19 countries we track and Oobit Card in 72.

The full reviews: Bitpanda Card and Oobit Card, each with its sources, and every crypto card we review.

More comparisons

Every other head-to-head Bitpanda Card or Oobit Card appears in.

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