Free if you spend A year at $500/moNo fees and no cashback at this spend
No card fees, crypto back on purchases
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XHYPE Card (Xkard)
Tap the card to read the small print
Your first year on the cheapest plan, Essential, $10 a yearFX fee not published
- Monthly fee
- FX fee not published
- Cashback
- —
- Currency fee
- FX fee not published
- ATM
- Yes
- Your money
- Company holds it
- Sign-up
- Email + private ID check
- Apple / Google Pay
- The card itself
- From $10 a year
How we calculateEstimate for everyday spending: most of it in your local currency, topping up with crypto.Checked November 10, sources in each section below
Our take
For people who want to keep crypto in their own wallet and top up a card only when they spend. Not for you if you wanted a card without an ID check: it now needs one.
Want more cashback? Compare with MiniPay Card
Good to know
- Wallet stays in your own keys
- Apple Pay and Google Pay on every card
- Gift cards and eSIM without ID
- ID check needed for the card
- Yearly fee on every plan
- Support only on Telegram
Fees
SourceXHYPE card page and FAQ on xkard.io · checked November 10- Essential plan
- $10 a year1 virtual card
- Premium plan
- $58 a year or $118 for 3 years1 virtual + 1 physical
- Whale plan
- $70 a year or $148 for 3 years2 virtual + 1 physical
- Top-up
- 2.1% Essential, 1.8% Premium, 1.2% Whale
- Paying abroad
- Not published
Plans
Essential$10 / year
- 1 virtual card
- 2.1% top-up fee
- $50,000 a year
Premium$58 / year
- Virtual + physical card
- 1.8% top-up fee
- $250,000 a year
Whale$70 / year
- 2 virtual + 1 physical
- 1.2% top-up fee
- $1,000,000 a year
Limits
SourceXHYPE card page and FAQ on xkard.io · checked November 10- Spending per year
- $50,000 Essential, $250,000 Premium, $1,000,000 Whale
- ATM
- $1,500 per withdrawal and per day, 30 a day, $15,000 a month
Top up & withdraw
SourceXHYPE card page and FAQ on xkard.io · checked November 10Top up
- Crypto
- USDT, USDC or the native coin on BNB Smart Chain, Ethereum, Base, Polygon, Arbitrum
Withdraw
- Wallet
- XHYPE FAQ (xhype.io) · November 10
- Self-custody; private key can be exported to MetaMask or Trust WalletMoney loaded on the card is held by the card issuer
- Cash withdrawal
- Fee not publishedPhysical card on Premium and Whale
Countries not published
- How they check where you live
- Not published
- ID from another country
- Not published
- ID accepted
- XHYPE FAQ (xhype.io) · November 10
- Private KYC through Verinex: ID checked by Verinex, XHYPE keeps only the result
- Pays in
- XHYPE card page and FAQ on xkard.io · November 10
- Online and in shops worldwide; ordering depends on residence and nationality
Trust
SourcexKard.io terms and conditions (04.06.2025) · checked November 10- Card issued by
- XHYPE FZCO (DSO-FZCO-30371); cards from unnamed third-party issuers
- Licence
- Not a card issuer or bank (terms); issuing bank not named
- Based in
- United Arab Emirates (Dubai Silicon Oasis)
No app store rating found for XHYPE Card (Xkard) yet.
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