KuCoin Card (KuCard) vs RedotPay Card

Comparing: two crypto cards
Decided by: Editorial rating
Last reviewed: 2026-08-25

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%.

RedotPay Card3.4

RedotPay Card is a prepaid Visa/Mastercard aimed at emerging markets, charging a 2% or higher swipe fee outside the card's home currency and up to 4.2% on ATM withdrawals.

Verdict: RedotPay Card

RedotPay Card rates higher on our rubric: 3.4 against 2.7 for KuCoin Card (KuCard).

Criterion: Editorial rating
KuCoin Card (KuCard): 2.7
RedotPay Card: 3.4

KuCoin Card (KuCard) and RedotPay 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 RedotPay Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
Fact	KuCoin Card (KuCard)	RedotPay Card
Editorial rating	2.7	3.4 (favoured on this row)
Issuer	KuCoin	RedotPay
Cashback	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.	Roughly 3% cashback on Apple Pay/Google Pay transactions is available to RedotPay Pro subscribers ($12.90/month or $129/year); the base card has no broad percentage-back cashback program.
Top reward tier	3% cashback (VIP 11-12)	Approximately 3% on Apple Pay and Google Pay transactions (RedotPay Pro, mobile wallet cashback)
Reward tiers	7	1
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.	Virtual card costs 10 USDT to issue, physical card 100 USDT (one-time, no monthly fee); non-home-currency spending runs about 2.2% combined, and ATM withdrawals cost 2% to 4.2% depending on card currency and volume, partly waivable via the paid Pro plan.
Countries issued in	1	188
Countries both are issued in	1	1
Last reviewed	2026-08-25	2026-08-24

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

RedotPay Card

What works

No monthly or annual fee on the base card, only one-time issuance costs
Very broad country eligibility, published transparently as a restriction list rather than vague marketing claims
RedotPay Pro subscribers get roughly 3% cashback on Apple Pay and Google Pay purchases
High published daily transaction limits, up to $1,000,000, for large spenders

What to watch

No broad percentage cashback for non-Pro users on ordinary card swipes
Spending outside the card's home currency adds a combined fee of roughly 2.2%
ATM withdrawals are expensive, ranging 2% to 4.2% before any operator surcharge
Virtual cards cannot be used for ATM withdrawals or PIN-based purchases, only the physical card

Frequently asked questions

Is KuCoin Card (KuCard) or RedotPay Card better?

RedotPay Card rates higher on our rubric: 3.4 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 RedotPay 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.. RedotPay Card: Roughly 3% cashback on Apple Pay/Google Pay transactions is available to RedotPay Pro subscribers ($12.90/month or $129/year); the base card has no broad percentage-back cashback program.. 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 RedotPay Card?

Both are issued in New Zealand, on each issuer's own eligibility page. KuCoin Card (KuCard) is issued in 1 countries we track and RedotPay Card in 188.

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

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