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KuCoin Card (KuCard) vs Oobit Card

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-10-29
KuCoin Card (KuCard)2.7

KuCoin Card is a New Zealand only debit card paying 1% to 3% base cashback in USDC or KCS by VIP tier, with a KCS Loyalty bonus pushing the maximum toward 8.5%.

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: Oobit Card

Oobit Card rates higher on our rubric: 3.1 against 2.7 for KuCoin Card (KuCard).

Criterion
Editorial rating
KuCoin Card (KuCard)
2.7
Oobit Card
3.1

KuCoin Card (KuCard) 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.

KuCoin Card (KuCard) and Oobit Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactKuCoin Card (KuCard)Oobit Card
Editorial rating2.73.1 (favoured on this row)
IssuerKuCoinOobit Technologies UAB; outside the United States the card is issued by Third National under license from Visa
CashbackNew 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.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 tier3% cashback (VIP 11-12)5 points per $1, worth 0.5% (Level 5)
Reward tiers75
FeesNew 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.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 in172
Countries both are issued in11
Last reviewed2026-08-252026-10-29

Pros and cons, side by side

KuCoin Card (KuCard)

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

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 KuCoin Card (KuCard) or Oobit Card better?

Oobit Card rates higher on our rubric: 3.1 against 2.7 for KuCoin Card (KuCard). 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, KuCoin Card (KuCard) or Oobit Card?

KuCoin Card (KuCard): 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. 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 KuCoin Card (KuCard) and Oobit Card?

Both are issued in New Zealand, on each issuer's own eligibility page. KuCoin Card (KuCard) is issued in 1 country we track and Oobit Card in 72.

The full reviews: KuCoin Card (KuCard) and Oobit Card, each with its sources, and every crypto card we review.

More comparisons

Every other head-to-head KuCoin Card (KuCard) or Oobit Card appears in.

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