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Kite Card vs Pionex Visa Card

Kite Card and Pionex Visa Card have the same G2M score: 49/100. Pick Kite Card for more countries and control of your funds; pick Pionex Visa Card for cashback and a lower FX fee.

Kite Card49

#24 of 31 · 0% to 5% back · annual fee none

Get KiteRead the review
Pionex Visa Card49

#23 of 31 · 1% back · annual fee none

Get PionexRead the review

The short answer

  • Kite Card and Pionex Visa Card have the same G2M score: 49/100.
  • Pionex Visa Card pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 5% on Kite Card.
  • Neither card has an annual fee.
  • Pionex Visa Card charges less on foreign currency: a 0% FX fee against 1.8%.
  • Kite Card lists 9 countries where it works; Pionex Visa Card does not publish a full country list.
  • Kite Card is self-custodial; Pionex Visa Card is custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
Kite Card
Pionex Visa Card
G2M score
49
49
Base cashback
0%
1% (better)
Max cashback
5% (better)
1%
Paid in
USD
USDT
Annual fee
Free
Free
FX fee
1.8%
0% (better)
Top-up fee
0.53%
0% (better)
Per-purchase fee
None listed
1% + $0.20 at or under $5, first 1 a month free
ATM
Coming soon
2% (physical card only; physical cards are not open to new applicants)
Network
Visa
Visa
Card type
Prepaid
Debit
Custody
Self-custodial
Custodial
Formats
virtual
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
Unclear
UAE
No
Unclear
United States
No
No
United Kingdom
No
No
EU / EEA
No
Unclear
Countries
9
Most countries; not the US, UK, Canada, France, the Netherlands, Japan, Singapore, Hong Kong or mainland China
Bank account (IBAN or account number)
In your name
No
Send money to a bank account
17 currencies
Not confirmed
Buy and sell crypto with fiat
Buy and sell
Buy only
Spend against crypto without selling
Not confirmed
Not confirmed
Yield on your balance
Not confirmed
Yes
Tiers
Kite Card
Visa
Perks
Non-custodial Kite wallet · USD account to receive ACH and wires · Cash out to banks in 17 countries · 5% back on Grab, Travala, streaming, AI and creator subscriptions and Starlink until 30 Nov 2026 (no cap)
5% a year on the card balance · Apple Pay and Google Pay · 5% a year on your card balance, paid hourly in USDT · Extra cashback at partner merchants through Pionex links

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 28 Oct 2026; see each card's review for its sources.

Questions

Which is better, Kite Card or Pionex Visa Card?

Kite Card and Pionex Visa Card have the same G2M score: 49/100. Pick Kite Card for more countries and control of your funds; pick Pionex Visa Card for cashback and a lower FX fee. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Kite Card or Pionex Visa Card?

Neither card has an annual fee. Pionex Visa Card charges less on foreign currency: a 0% FX fee against 1.8%.

Which pays more cashback, Kite Card or Pionex Visa Card?

Pionex Visa Card pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 5% on Kite Card.

Which works in more countries, Kite Card or Pionex Visa Card?

Kite Card lists 9 countries where it works; Pionex Visa Card does not publish a full country list.

Who holds my funds with Kite Card and Pionex Visa Card?

Kite Card is self-custodial; Pionex Visa Card is custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.