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RedotPay Card vs Wirex Card

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-08-24
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.

Wirex Card3.0

Wirex Card is a multi-region Visa/Mastercard debit card offering 0.5% to 8% Cryptoback rewards in WXT, with the top rate gated behind a paid plan and a 7.5 million WXT lockup.

Verdict: RedotPay Card

RedotPay Card rates higher on our rubric: 3.4 against 3.0 for Wirex Card.

Criterion
Editorial rating
RedotPay Card
3.4
Wirex Card
3.0

RedotPay Card and Wirex 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.

RedotPay Card and Wirex Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactRedotPay CardWirex Card
Editorial rating3.4 (favoured on this row)3.0
IssuerRedotPayWirex Limited (UK, FCA-regulated EMI) / Wirex UAB (Lithuania, EEA passporting)
CashbackRoughly 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.Cryptoback in WXT ranges 0.5% on the free Standard plan up to 8% on the Elite Ultimate plan, which requires a €29.99/month subscription plus 7.5 million WXT locked for 180 days.
Top reward tierApproximately 3% on Apple Pay and Google Pay transactions (RedotPay Pro, mobile wallet cashback)8% Cryptoback (Elite Ultimate)
Reward tiers18
FeesVirtual 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.0% FX markup advertised on ordinary fiat card spending across all tiers, a roughly 0.5-1.5% crypto-to-fiat conversion spread, and free monthly ATM withdrawals up to a tier- and region-specific allowance before a 2% fee applies.
Countries issued in18835
Countries both are issued in3434
Last reviewed2026-08-242026-08-24

Pros and cons, side by side

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

Wirex Card

What works

  • No issuance fee for virtual or physical cards on any tier
  • 0% advertised FX markup on fiat card spending across all subscription tiers
  • Free Standard tier still earns 0.5% Cryptoback with no subscription required
  • Wide country coverage across Europe, Asia-Pacific, and Latin America

What to watch

  • The advertised 8% cashback requires both a €29.99/month subscription and locking 7.5 million WXT for 180 days
  • Rewards are paid in WXT, Wirex's own token, so their fiat value floats after crediting
  • Crypto-to-fiat conversion carries a separate spread of roughly 0.5-1.5% not included in the 0% FX headline
  • An inactivity fee of roughly €5/month applies to dormant fiat balances after extended non-use

Frequently asked questions

Is RedotPay Card or Wirex Card better?

RedotPay Card rates higher on our rubric: 3.4 against 3.0 for Wirex 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, RedotPay Card or Wirex Card?

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.. Wirex Card: Cryptoback in WXT ranges 0.5% on the free Standard plan up to 8% on the Elite Ultimate plan, which requires a €29.99/month subscription plus 7.5 million WXT locked for 180 days.. 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 RedotPay Card and Wirex Card?

Both are issued in 34 countries, including Argentina, Australia, Austria, Belgium, Brazil, on each issuer's own eligibility page. RedotPay Card is issued in 188 countries we track and Wirex Card in 35.

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

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