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KKem Infinity Card logo

Kem Infinity Card

Updated: Sep 15, 2026

The Kem Infinity Card is a stablecoin spending card introduced by Kem and is referred to as the Kem Spend Card in the current legal terms. Users can convert supported assets such as USDT and USDC into a US dollar spending balance and use a Visa virtual or physical card for online shopping, in-store purchases, and Apple Pay payments. The card has no monthly fee or activation fee and offers up to 5% crypto asset cashback at designated food delivery, mobility, e-commerce, and airline merchants.
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Card network
Product type
Stablecoin payment card
Card form
Virtual + physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
USDTUSDCBTCETHUSDXAXAUT
Last updated
Sep 15, 2026

Official and company information

Issuer identity and company credentials

Kemfinity s.r.o. is a limited liability company registered in the Czech Republic, responsible for the Kem app, crypto asset services, and customer relations, and operates as a local virtual asset service provider. Kem Technologies Holding Ltd is an affiliated entity based in the Abu Dhabi Global Market. The Kem Card is provided by Rain with project infrastructure, actually issued by Third National, and connected to the Visa payment network; Fireblocks, Chainalysis, and Tether are partners for asset technology, compliance, or stablecoin ecosystem.
Visit website Application page
Company / issuer
Kem
Legal name
Kem
Registered region
Kuwait (KW)
Headquarters
Kuwait
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

After completing identity verification in the Kem app, users can activate a virtual card and order a physical card in regions where accounts are available. The card is issued by Third National under a Visa licence, while Rain provides the card program and stablecoin payment infrastructure. When a purchase is made, the issuer first pays the merchant and then settles the transaction based on the user's account funds, collateral, and dynamic limit. The legal structure is therefore a credit-limit card with a 0% annual percentage rate on purchases, although the website describes it to users as a stablecoin debit card. The card can be added to Apple Wallet and supports e-commerce, in-app payments, and the Visa in-store acceptance network.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Kem Infinity Card
Card formVirtual + physical card
Fees
Monthly fee
Free
No monthly account fee
Card issuance fee
Free
Free to activate
ATM fee—
Foreign exchange fee
1%
Up to 3% on non-USD transactions
Top-up fee
1%
Charged when converting USDT to USD balance
Failed transaction fee
29 USD
Charged on repayment refunds, up to 29 USD
Rewards
Cashback—
Crypto cashback
5%
Tiered cashback at select merchants, up to 5%
Staking rewards—
Staking APR—
Welcome bonus—
Referral bonus—
Limits
Daily spending limit—
Monthly spending limit—
ATM withdrawal limit—
Card network

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and language support

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

178
BangladeshBDMontenegroMEOmanOMAlbaniaALKuwaitKWPhilippinesPHArmeniaAMArgentinaARDominican RepublicDOLaosLAEquatorial GuineaGQGambiaGMPapua New GuineaPGGermanyDEVatican CityVACzechiaCZHaitiHTMalawiMWUruguayUYHong KongHKBurundiBITuvaluTVTaiwanTWBeninBJSt. LuciaLCBelizeBZHondurasHNTimor-LesteTLSouth SudanSSSri LankaLKGuatemalaGTPortugalPTBelgiumBEJapanJPSouth KoreaKRZambiaZMTongaTOPanamaPASurinameSRBahamasBSSolomon IslandsSBCambodiaKHBruneiBNUzbekistanUZCôte d’IvoireCIZimbabweZWEl SalvadorSVEritreaERJamaicaJMLiechtensteinLITurkmenistanTMPalauPWAntigua & BarbudaAGDjiboutiDJLatviaLVGrenadaGDSwitzerlandCHKyrgyzstanKGYemenYEGeorgiaGELebanonLBUgandaUGGuinea-BissauGWBotswanaBWSeychellesSCMacaoMOMoldovaMDMongoliaMNSudanSDSão Tomé & PríncipeSTMalaysiaMYAustriaATUnited KingdomGBDominicaDMCameroonCMMadagascarMGMauritiusMUThailandTHSwedenSEGhanaGHAzerbaijanAZLiberiaLRLithuaniaLTNorwayNOGuyanaGYPakistanPKCyprusCYSomaliaSONamibiaNAIrelandIECanadaCATunisiaTNAfghanistanAFChadTDSouth AfricaZAKiribatiKIMexicoMXLibyaLYSt. Vincent & GrenadinesVCTajikistanTJMaliMLSenegalSNIcelandISAlgeriaDZNorth MacedoniaMKFinlandFICape VerdeCVVanuatuVUTanzaniaTZSloveniaSIAngolaAODenmarkDKRwandaRWItalyITMarshall IslandsMHCongo - KinshasaCDBrazilBRMozambiqueMZEswatiniSZLuxembourgLUHungaryHUAustraliaAUCentral African RepublicCFNetherlandsNLTrinidad & TobagoTTSpainESGabonGAAndorraADBoliviaBOSerbiaRSPeruPEGreeceGRSamoaWSChileCLCongo - BrazzavilleCGSierra LeoneSLSaudi ArabiaSACroatiaHRKazakhstanKZSingaporeSGBahrainBHIndonesiaIDSt. Kitts & NevisKNCosta RicaCRBurkina FasoBFComorosKMBulgariaBGMaltaMTFijiFJSan MarinoSMMauritaniaMREthiopiaETNauruNRTogoTGParaguayPYPolandPLMoroccoMANigeriaNGQatarQASlovakiaSKJordanJOMaldivesMVNew ZealandNZBosnia & HerzegovinaBALesothoLSColombiaCORomaniaROKenyaKEEgyptEGUnited Arab EmiratesAEGuineaGNFranceFRBhutanBTMonacoMCBarbadosBBEcuadorECEstoniaEENigerNE
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

18
Myanmar (Burma)MMVietnamVNIsraelILChinaCNBelarusBYNicaraguaNIUkraineUASyriaSYRussiaRUVenezuelaVEIranIRNorth KoreaKPTürkiyeTRUnited StatesUSNepalNPIndiaINCubaCUIraqIQ
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，Kem excludes U.S. citizens and residents from its current card program, but cards issued to eligible users outside the U.S. can still be used there.
2. United Kingdom：Cannot apply，Can use，Kem currently excludes UK residents from onboarding, but the UK is not a prohibited card-use jurisdiction for cards already issued to eligible users.
3. Canada：Can apply，Can use，Canadian residents are outside Kem’s prohibited issuance jurisdictions and can apply after completing identity and residential-address verification.
4. Australia：Can apply，Can use，Australian residents are eligible under Kem’s international card program and must complete identity and address verification before issuance.
5. South Africa：Can apply，Can use，South African residents are not excluded from Kem’s current issuance coverage and can apply after completing the required KYC and address verification.
6. New Zealand：Can apply，Can use，New Zealand residents are eligible for Kem’s international card program after completing the required identity and residential-address checks.
7. Ireland：Can apply，Can use，Irish residents are within Kem’s international issuance coverage and can obtain the card after completing the required KYC and address verification.

Updated: Sep 15, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / National ID card / Residence permit / Driver's license / Utility bill / Bank statement

Review time / regional limits

Automatic review can be completed within minutes; abnormal documents or high-risk accounts are transferred to manual review.

KYC provider

Not disclosed

Updated

Aug 3, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported7
Not supported5
UpdatedAug 3, 2026

Wallet payments

Alipay

Not supported

Aug 3, 2026

Wallet payments

Apple Pay

Supported

Aug 3, 2026

Cash services

ATM withdrawal

Not supported

Aug 3, 2026

AI tools

ChatGPT

Supported

Aug 3, 2026

AI tools

Claude

Supported

Aug 3, 2026

Wallet payments

Google Pay

Not supported

Aug 3, 2026

AI tools

Midjourney

Supported

Aug 3, 2026

In-person payments

Offline POS

Supported

Aug 3, 2026

Online shopping

Online shopping

Supported

Aug 3, 2026

Wallet payments

PayPal

Not supported

Aug 3, 2026

Subscriptions

Subscription payment

Supported

Aug 3, 2026

Wallet payments

WeChat Pay

Not supported

Aug 3, 2026

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 10 approved reviews matched to this card

Newest first
محمد سلامهgoogle_play★ 5 / 5

Kem App Google Play review - 5 star

جيد جدا
View original
Rivaldiannurgoogle_play★ 5 / 5

Kem App Google Play review - 5 star

Please update the page and app,,, my phone delay and I suddenly logged out by myself
View original
Hamid Reza Dindargoogle_play★ 2 / 5

Kem App Google Play review - 2 star

I just installed the app but ot frequently crash and close the app when I go to some of the menus
View original
Nathan Metcalfegoogle_play★ 5 / 5

Kem App Google Play review - 5 star

I like being able to send USDT quickly, swap between BTC, ETH, and other supported assets, and see real-time currency conversions before confirming a transaction.
View original
Muhammad El Dinapp_store★ 5 / 5

Great way to invest and send money

I buy and pay with crypto literally everywhere I go with this app. I hold all of my money here this app actually functions as my current bank account
View original
Pushpa Thadigoogle_play★ 5 / 5

Kem App Google Play review - 5 star

best app send money to India
View original
Boutaibe Mohamed aymengoogle_play★ 2 / 5

Kem App Google Play review - 2 star

app is crashed with every click deposit and withdraw and more please fix it and customer support taking too long to respond you 5 Days they not respond this is trash i don't recommend it
View original
Stephanegoogle_play★ 5 / 5

Kem App Google Play review - 5 star

I deposit 50 euro Ethereum but not possible withdraw it anymore stuck in the app nobody reply from support:scam
View original
KMHT 10google_play★ 3 / 5

Kem App Google Play review - 3 star

fix it the app crash on the deposit botton
View original
Ali Mohamedtrustpilot★ 1 / 5
Scammers dont send any money to this app
View original

Risk factors

Updated: Jul 20, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Kem Infinity Card require KYC?

Our record lists the Kem Infinity Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does Kem Infinity Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Not supported.

Which assets can I top up Kem Infinity Card with?

Our record lists Kem Infinity Card support for: USDT, USDC, BTC, ETH, USD, and XAUT.

Is Kem Infinity Card a virtual or a physical card?

Kem Infinity Card is offered as: Virtual + physical card.

Where is Kem Infinity Card available?

Our record lists 178 countries or regions as available and 18 as restricted. Country-by-country status is in the regions section of this page.

Who issues Kem Infinity Card?

Kem Infinity Card is operated by Kem on the Visa network.