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OrbitX Card

Updated: Aug 17, 2026

OrbitX Card is a stablecoin-backed Visa credit card offered by OrbitX and connected to the user's self-custody USDC and USDT wallet. Users can receive a spending limit against their collateral assets without selling their stablecoins and make online, offline and mobile payments at Visa merchants. The personal product is available in OrbitX Neo and OrbitX Lux tiers, with a separate Corporate Card for businesses. The current spending APR is 0%, and the card supports Apple Pay, Google Pay and international ATM use.
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Card network
Visa
Product type
Crypto-collateral credit card
Card form
Virtual + physical card / Virtual + metal card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
USDT / USDC
Last updated
Aug 17, 2026

Official and company information

Issuer identity and company credentials

OrbitX is a Web3 cross-border payment and digital asset financial platform for global users, freelancers, and businesses, focused on integrating stablecoins, fiat accounts, and card spending into one app. Users can receive fiat or crypto payments, hold stablecoins such as USDC and USDT, and spend via the OrbitX Visa Card at Visa merchants online and offline.
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Company / issuer
OrbitX
Legal name
OrbitX Network Group Pte. Ltd.
Registered region
Singapore (SG)
Headquarters
Singapore
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

OrbitX integrates a self-custodial stablecoin wallet, multi-currency accounts, cross-border remittance, and Visa cards into one platform. The Card Spend Account uses a digital asset collateral structure, where users must provide eligible collateral assets such as USDC and USDT corresponding to the spending amount. OrbitX and the card issuer do not directly custody these collateral assets, but may liquidate them according to the agreement if card debt is unpaid or collateral value is insufficient. Personal cards come in Neo and Lux tiers: Neo is Visa Platinum with an optional plastic physical card; Lux is Visa Signature with an optional metal card; both tiers offer virtual cards. Current card documentation explicitly supports Polygon and Base, with Solana and Tron marked as future supported networks.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

OrbitX Neo Card
OrbitX Lux Card
OrbitX Corporate Card
Card formVirtual + physical cardVirtual + metal cardVirtual + physical card
Fees
Monthly fee——
2 USD
Per-employee card fee charged monthly
Card issuance fee
100 USD
Card issuance fee; can be used immediately
350 USD
Card issuance fee; can be used immediately
—
ATM fee
2 USD + 2%
Additional ATM base fee
2 USD + 2%
Additional ATM base fee
—
Foreign exchange fee
2%
Non-USD transactions
1%
Non-USD transactions
1.5%
Non-USD transactions
Top-up fee
Free
Stablecoin deposits 0%
Free
Stablecoin deposits 0%
0.5%
Business card top-up fee
Failed transaction fee
0.1 USD
Authorization failure due to low balance
0.05 USD
Authorization failure due to low balance
—
Rewards
Cashback
0
No fixed cashback on spending
0
No fixed cashback on spending
0
No fixed cashback on spending
Crypto cashback———
Staking rewards———
Staking APR———
Welcome bonus———
Referral bonus———
Limits
Daily spending limit
50,000 USD
Daily maximum spending limit
Unlimited
Still subject to collateral limit
—
Monthly spending limit———
ATM withdrawal limit
500 USD
Subject to ATM rules
1,000 USD
Subject to ATM rules
—
Card network
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Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

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

125
PakistanPKSloveniaSISpainESHong KongHKKazakhstanKZAntigua & BarbudaAGCambodiaKHGreeceGRCzechiaCZRwandaRWBahamasBSMalaysiaMYSt. LuciaLCPolandPLMongoliaMNNorth MacedoniaMKUzbekistanUZGambiaGMBangladeshBDJamaicaJMSingaporeSGArmeniaAMBrazilBRPortugalPTSwitzerlandCHFranceFRUnited StatesUSMexicoMXMauritaniaMRRomaniaRODenmarkDKMalawiMWColombiaCOMaltaMTMozambiqueMZBahrainBHBelgiumBEThailandTHNigeriaNGDominicaDMBotswanaBWPhilippinesPHPeruPEMacaoMOEgyptEGMauritiusMUGeorgiaGEAlgeriaDZSouth KoreaKRMontenegroMEGermanyDETajikistanTJSt. Vincent & GrenadinesVCBurkina FasoBFEthiopiaETGabonGASeychellesSCTunisiaTNDominican RepublicDOIndonesiaIDItalyITHondurasHNGuyanaGYParaguayPYFinlandFIGrenadaGDGhanaGHBarbadosBBTanzaniaTZSurinameSRLuxembourgLUZambiaZMJordanJOCroatiaHRZimbabweZWAzerbaijanAZCanadaCAEl SalvadorSVUgandaUGSt. Kitts & NevisKNSri LankaLKMaldivesMVEstoniaEETaiwanTWBeninBJHungaryHUEcuadorECSouth AfricaZAAustraliaAUNetherlandsNLNew ZealandNZKyrgyzstanKGUnited KingdomGBCyprusCYSenegalSNNorwayNOBruneiBNAustriaATLatviaLVIrelandIETrinidad & TobagoTTUnited Arab EmiratesAETurkmenistanTMBelizeBZTogoTGSaudi ArabiaSACape VerdeCVMoldovaMDChileCLArgentinaARCosta RicaCRIcelandISSlovakiaSKOmanOMSierra LeoneSLMoroccoMAPanamaPALithuaniaLTAlbaniaALJapanJPQatarQASwedenSENamibiaNAGuatemalaGTUruguayUY
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

34
Myanmar (Burma)MMIranIRIndiaINNicaraguaNISyriaSYChinaCNNorth KoreaKPSouth SudanSSCongo - KinshasaCDIsraelILCameroonCMHaitiHTCôte d’IvoireCIKenyaKEBulgariaBGKuwaitKWBosnia & HerzegovinaBAUkraineUAMonacoMCPapua New GuineaPGRussiaRUVietnamVNLaosLAIraqIQNepalNPCubaCUBritish Virgin IslandsVGTürkiyeTRBelarusBYBoliviaBOLebanonLBYemenYEAngolaAOVenezuelaVE
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆：不可申请；OrbitX 官方明确将中国大陆列入禁止发卡地区，但并未将中国大陆列入绝对禁止消费的七个国家名单。

2、香港：可申请并完成完整 KYC，未被列入 OrbitX 禁止发卡名单；获卡后可用于 Visa 商户及兼容 Apple Pay、Google Pay 的支付场景。

3、澳门：可申请并完成完整 KYC，澳门未列入当前官方禁发地区；获卡后可在接受 Visa 国际卡的线上和线下商户消费。

4、台湾：可申请并完成完整 KYC，台湾未列入 OrbitX 禁止发卡地区；获卡后可使用 Visa 网络及符合条件的移动钱包支付。

Updated: Aug 17, 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

UnconfirmedPending

Accepted documents

Passport / National ID card

Review time / regional limits

6 minutes – 24 hours

KYC provider

Unconfirmed

Updated

Aug 17, 2026

Payment compatibility

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

Compatibility overview12 scenarios
Supported6
Not supported6
UpdatedAug 17, 2026

Wallet payments

Alipay

Not supported

Aug 17, 2026

Wallet payments

Apple Pay

Supported

Aug 17, 2026

Cash services

ATM withdrawal

Supported

Aug 17, 2026

AI tools

ChatGPT

Not supported

Aug 17, 2026

AI tools

Claude

Not supported

Aug 17, 2026

Wallet payments

Google Pay

Supported

Aug 17, 2026

AI tools

Midjourney

Not supported

Aug 17, 2026

In-person payments

Offline POS

Supported

Aug 17, 2026

Online shopping

Online shopping

Supported

Aug 17, 2026

Wallet payments

PayPal

Not supported

Aug 17, 2026

Subscriptions

Subscription payment

Supported

Aug 17, 2026

Wallet payments

WeChat Pay

Not supported

Aug 17, 2026

User reviews

Showing 9 approved reviews matched to this card

Newest first
SRobverapp_store★ 5 / 5

Daily experience for people onchain

I’m a remote developer paid in USDT, and OrbitX makes life simple. I don’t have to off-ramp or wait days anymore. I just use my earnings directly for daily expenses.
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MayankOrbitxapp_store★ 5 / 5

Best App for Stablecoin Use

Clean interface, fast transactions, and a clear focus on real-world stablecoin use. Feels reliable and promising.
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Lakshyaweebapp_store★ 4 / 5

Review

OrbitXPay makes handling crypto across countries super easy. The app has a clean design, payments are instant, and the whole process feels safe and simple. It’s perfect for people who want to manage their money globally without stress. Everything just works the way it should.
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Pranav10app_store★ 5 / 5

Amazing UI & Wide acceptance for Crypto with lowest fees

Orbitx solves one of my biggest problems of spending crypto without jumping through hoops. After almost a decade in crypto it’s helped me immensely by giving a smooth onboarding and one click tap to pay setup
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Totiplapp_store★ 5 / 5

Lowest fees across any crypto card

The best crypto card in terms of fees and acceptance.
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Divyeshptlapp_store★ 5 / 5

Really helpful

Using stablecoins for real-world spending without relying on P2P is a lifesaver.
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Harsha MVapp_store★ 5 / 5

Best multi-chain self-custody card

Been working on OrbitX and love how we have been able to deliver a self-custody solution across various chain - being present where customers hold their stablecoons. This is just the beginning! Stablecoins will take over the world.
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Lovelysnoopapp_store★ 5 / 5

Best travel crypto card

I travel to Thailand and Vietnam almost every month and OrbitX is the only card that’s never failed me. I use it for flights, hotels, Grab, cafés - everything with super low fees and instant alerts. Perfect for frequent travelers using stablecoins for real-world spending.
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PS2218app_store★ 5 / 5

PS

Paying anywhere globally with my stablecoins just made possible. Recommend everyone to try
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Risk factors

Updated: Aug 17, 2026

No risk factors are available