KAST vs MPChat Cloud Card
KASTMore cashback, cheaper abroad, bank top-ups.
MPChat Cloud CardVirtual Visa for subscriptions, paid from USDT.
Side by side
Money
SourceKAST blog, tiers and fees · checked November 9SourceMPChat help, Cloud Card intro: fees and rules · checked November 10- A year at $500/mo
- Earn/yr
- FX fee not published
- Cashback a year
- +$90★
- None
- Cashback rate
- 1.5–3%
- —
- Paying in another currency
- 0.5–1.75% extra★
- Issuer FX passed through, not published
- Virtual card
- First two free, then $2
- Free
- Physical card
- Free + shipping
- Yes
- Cash withdrawal
- $3 + 2%
- 2%, min $1
Getting it
SourceKAST help, restricted countries · checked November 9SourceMPChat help, what is required to apply for a card · checked November 10- For residents of
- Not published
- 226 countries
- ID from another country
- Not for citizens of 1 countries, wherever they live
- Not published
- ID accepted
- Passport, national ID or driver's licence (no official list); must be your own
- Age 18+, KYC1: document upload and liveness selfie (via Sumsub)
- Sign-up
- ID + selfie
- ID + face scan
- Top up from a bank
- Yes★
- Crypto only
- Cash out to a bank
- Yes★
- No
Using it
SourceKAST website · checked November 9SourceMPChat help, which cards MPChat offers · checked November 10- Pays in
- Merchants in 170+ countries, except sanctioned ones
- Wherever Visa is accepted; no POS or ATM use in mainland China
- Spending per day
- Not published
- Not published
- App Store rating
- 4 / 5
- Not found
★ marks the better value where there is one. Estimate for everyday spending: most of it in your local currency, topping up with crypto. How we calculate. Every fact with its own source is on the card pages: KAST, MPChat Cloud Card.
