OKX Card
Everyday spending, backed by stablecoins
Tap to pay anywhere Mastercard® is accepted. Get up to 10% cashback on eligible purchases.¹
What is OKX Card?
OKX Card unlocks stablecoin spending for everyday purchases. Powered by Mastercard® and backed by stablecoins you already own.
Earn when
you spendCashback starts at 2%, up to 10% at the top tier.¹ Instant payouts.²No FX fees.
No transaction feesTap to pay anywhere Mastercard® is accepted.Put your balance to work
Earn yield on your OKX Pay balance between purchases.³
How it works
Three steps. You’re always in control.
Keep USDC, USDT, or USDG in your OKX Pay wallet, ready to back your card purchases.
Cashback that grows with you
Unlock more at every tier.
| Tier | Reach it with:Pay balance / Card spend / VIP level | Cashback RatePaid in USDG | Monthly Eligible Spend | Monthly Cashback Cap | OKX Pay APY |
|---|---|---|---|---|---|
| Classic | Everyone starts here | 2% | $2,500 | $50 | 4% |
| Plus | $40K / $10K / VIP 1 | 4% | $10,000 | $400 | 6% |
| Premium | $80K / $20K / VIP 2 | 4.5% | $20,000 | $900 | 8% |
| Signature | $320K / $75K / VIP 3 | 5% | $30,000 | $1,500 | 10% |
| Infinite | $500K / $100K / VIP 4+ | 10% | $15,000 | $1,500 | 10% |
Pay balance is a 30-day average; card spend is your last 30 days. You always get the best rate you qualify for. OKX VIP status carries over automatically. Cashback is available only on eligible USDG purchases settled via Autopay. USDC and USDT purchases, and Manual (fiat) repayment, are not eligible.
Get cashback on subscriptions you already pay for
Automatic rebates on OpenAI, Claude, and Netflix. Up to $20 per month.
How OKX Card compares
See the difference, at a glance.
| OKX Card | Typical Debit / Prepaid Crypto Card | Traditional Credit Card | |
|---|---|---|---|
| Fees | Zero transaction fees, zero FX fees | Often FX fees or conversion spreads | Often annual fees, interest charges, and FX fees |
| Backing | Your reserved stablecoins, held as collateral in your own OKX Pay wallet | Your crypto is sold or converted at purchase | Your credit score and income — no collateral required |
| Billing Cycle | Every 28 days | None | Typically 28–31 days (monthly) |
| Repayment | Autopay or Manual — your choice | None — funds deducted immediately | Minimum payment or pay in full — unpaid balances accrue interest |
| Cashback | Up to 10% on USDG backed purchases, Autopay only | Varies by provider | Varies by card — cashback or points programs |
| Custody | Stays with you until your bill settles | Held by the provider once converted | N/A — no crypto involved |
FAQs
Products or services shown on this page may not be available in all jurisdictions.
The OKX Card is issued by WebBank. See Rates & Fees for more information regarding rates, fees, and other cost information. Subject to Card Rewards Program Terms.
Crypto assets involve risk, including price volatility and potential loss of principal. Past performance is not indicative of future results. Terms apply.
¹ Cashback rates are determined by your OKX Pay tier, which is set by the highest of your OKX VIP tier, your 30-day average OKX Pay balance, or your 30-day OKX Card spend. USDG cashback rewards are only rewarded for USDG spending with Autopay enabled. Spend cycle will refresh on the 1st of each calendar month.
² Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts.
³ Pay USDG APY rates are determined by your OKX Pay tier. Pay USDG APY will fall back to 3.5% base APY, on amounts above the $10,000 cap.